A cartoon image of three business style characters who provide credit repair services..

Partner with CreditNerds®

Partner with CreditNerds®

If you're passionate about helping your clients achieve financial freedom and want a way to increase your clients' chances of buying, our Partner Program is the perfect opportunity for you. Collaborate with us, share our mission, and reap the rewards of making a real difference in people's lives. Join us today and start on your journey toward financial success!
Let's get down to business...

Program Options

Basic - $47/mo

$197 Enrollment - One Time

Growth - $197/mo

$197 Enrollment - One Time​

Mogul - $497/mo

$197 Enrollment - One Time​

Why should you join?

Boost Your Business and Help Your Clients
Do you work in real estate, auto sales, or another client-focused industry? Our Credit Repair Referral Program is perfect for you!

You refer Clients, They Pay Nothing!
You can refer your clients to us for credit repair. They won't pay a cent for our services. All we ask is that they keep a specific credit monitoring account active. This account helps us help them without causing additional hard pulls to their credit file.

Get Monthly Credits
Every month, you get a set number of Client Credits. Each credit lets you refer one client to us, fee-free. These credits reset every month, so be sure to use them! Sometimes, we’ll even give you BONUS Credits. These are extra credits you can use anytime. Maybe you win a contest, or we just want to say thanks. Bonus Credits never expire!

We will keep Your Clients in the Loop!
You’ll get updates on your clients' progress. This means you can stay involved and support them along the way.

Simple Requirements
To keep things going smoothly, you need to pay a monthly fee. This fee helps us keep providing top-notch services to your clients. If you stop paying, your clients’ services may be paused or canceled.

Easy Dispute Process
Your clients will need to mail dispute letters to the credit bureaus. We'll guide them through printing, signing, and mailing these letters. They’ll also need to include some ID documents.

Share and Support
We share information with you and your clients to make sure everyone stays informed and involved. This partnership is about working together for the best results.

Why Join?
By referring clients to our no-cost credit repair services, you can help them achieve financial freedom while strengthening your client relationships. With our simple referral process and valuable incentives like Bonus Credits, you'll have the tools to grow your business effortlessly. Partner with us and watch your client satisfaction and referrals soar!

Program Terms

Definition: Client Credits are the monthly allocation of new clients that a business partner can refer to our credit repair services. These referrals allow the clients to access our services without any associated fees. Importantly, Client Credits are reset each month and do not carry over from one month to the next.

Purpose: Client Credits are designed to facilitate and enhance the referral process for our business partners, such as realtors or automotive sales professionals. This system allows partners to offer a valuable, no-cost service to a set number of clients each month, integrating our credit repair solutions seamlessly into their own service offerings. By resetting the credits monthly, we encourage regular and consistent engagement from our partners, fostering ongoing collaboration and driving mutual growth. The non-rollover feature ensures that partners are incentivized to maximize their monthly referrals, promoting continuous business activity and client acquisition.

Definition: Bonus Credits are special, supplementary client referral credits granted to business partners outside of their regular monthly allocation. These credits are awarded at the discretion of our company and can be given for various reasons, such as winning a contest, recognizing exceptional performance, expressing gratitude, or any other purpose we deem appropriate. Unlike standard Client Credits, Bonus Credits do not expire and can be used at any time.

Purpose: The purpose of Bonus Credits is to acknowledge and reward the contributions and efforts of our business partners in a flexible and meaningful way. By providing these additional credits, we create opportunities for partners to extend the benefit of our credit repair services to more clients without the constraints of monthly limitations. This system not only serves as an incentive for partners to engage more actively but also reinforces our commitment to fostering strong, positive relationships. The non-expiry feature of Bonus Credits ensures that partners can utilize them at their convenience, offering added value and flexibility in their ongoing collaboration with our company.

Overview: While our credit repair services are offered at no cost to clients referred through our partners, there is a requirement for clients to maintain an active subscription to a designated credit monitoring account throughout the duration of our services.

Purpose: The specified credit monitoring account is integral to our operational process for several key reasons:

  1. System Integration: The chosen credit monitoring service integrates seamlessly with our internal systems. This integration allows us to efficiently access and monitor clients’ credit reports and scores in real-time, ensuring that our credit repair efforts are accurately and effectively targeted. It streamlines the process of identifying areas for improvement and tracking the progress of our interventions.

  2. Cost Management: This particular credit monitoring service provides us with a modest referral fee for each client who maintains an active account. These referral fees are instrumental in subsidizing the operational costs associated with providing our no-cost credit repair services. By leveraging these fees, we can offer our services at no direct cost to clients and keep the financial burden on our partners to a minimum.

  3. Quality Assurance: Using a specific credit monitoring service ensures consistency and reliability in the data we work with. It enables us to maintain a high standard of service quality, as we can trust the accuracy and comprehensiveness of the credit information we receive from a single, reliable source.

Client Commitment: Clients are required to keep their subscription to the designated credit monitoring account active for the duration of our services. This subscription is a crucial component of our service model, providing us with the necessary tools to assist in their credit repair journey and supporting the sustainability of our no-cost offering.

Conclusion: By adhering to this requirement, clients contribute to a system that not only facilitates their credit improvement but also supports the broader community of partners and clients by maintaining cost-effective operations. This collaborative approach ensures that we can continue to deliver high-quality, no-cost credit repair services to those who need them most.

Overview: As part of our comprehensive credit repair services, clients will be required to mail dispute letters to the credit bureaus. This process is essential for formally addressing and rectifying inaccuracies on their credit reports.

Client Responsibilities: To ensure the effective handling of disputes, clients must follow these steps:

  1. Print and Review: Clients will receive customized dispute letters from us, which they must print out. It is important that clients carefully review these letters to confirm that all details are accurate and reflective of their credit concerns.

  2. Sign: Each dispute letter must be signed by the client. A handwritten signature is necessary to authenticate the dispute and comply with credit bureau requirements.

  3. Include Identification Documents: Along with the signed dispute letters, clients are required to include copies of specific identification documents to verify their identity. These documents help the credit bureaus validate the legitimacy of the dispute.

  4. Mail: Clients must mail the signed dispute letters and identification documents to the respective credit bureaus. Using certified mail with a return receipt is highly recommended to track the correspondence and ensure it is received by the bureaus.

Acceptable Identification Documents: When submitting dispute letters, clients should include copies of one item from each of the following categories:

Category 1: Proof of Identity

  • A government-issued photo ID such as:
    • Driver’s License
    • State ID Card
    • Passport
    • Military ID

Category 2: Proof of Address

  • A recent utility bill (e.g., water, electricity, or gas bill)
  • Bank or credit card statement
  • Rental or lease agreement
  • Pay stub with the client’s name and address
  • IRS Form W-2 or 1099

Why This Process Is Important: The requirement for mailing dispute letters, along with proper identification, ensures that credit bureaus can accurately process and respond to each dispute. This process protects clients by preventing unauthorized disputes and helps expedite the resolution of credit report inaccuracies.

Including the appropriate ID documents helps verify the client’s identity and address, ensuring that the credit bureaus can properly match the dispute to the correct credit file. This step is crucial for maintaining the integrity and security of the credit repair process.

Conclusion: By adhering to these steps, clients play a critical role in the successful resolution of their credit disputes. This process, though detailed, is a fundamental part of ensuring that their credit reports accurately reflect their true financial history, ultimately aiding in the improvement of their credit standing.

Overview: Our credit repair services are closely aligned with the interests and efforts of our referring partners, who play a pivotal role in connecting clients with our services. It is important to understand and acknowledge the nature of the information sharing between our company, the referring partner, and the client.

Partner Relationships: The partners who refer clients to our services, such as real estate agents, automotive sales professionals, and other business associates, are integral to our operational framework. These partners are often the initial point of contact and continue to have a vested interest in the client’s progress and outcomes within our credit repair process.

Information Sharing: To facilitate a seamless and effective service experience, there is a need to share relevant information between our company, the referring partner, and the client. This sharing of information includes, but is not limited to:

  1. Referral Details: Basic client information provided by the referring partner at the time of referral, including contact details and reasons for referral, helps us understand the client’s needs and tailor our services accordingly.

  2. Progress Updates: We may share periodic updates with the referring partner regarding the client’s progress in the credit repair process. This includes milestones achieved, such as the removal of inaccuracies or improvements in credit scores, allowing the partner to stay informed and support the client as needed.

  3. Service Coordination: In cases where additional input or cooperation from the referring partner is beneficial (e.g., providing documentation or coordinating with other services), relevant information will be shared to ensure smooth and coordinated support for the client.

Acknowledgement and Consent: By engaging in our services, clients and referring partners acknowledge and consent to the sharing of necessary and relevant information between all parties involved. This collaboration ensures that the client receives the most comprehensive and supportive service experience possible.

Privacy and Confidentiality: We are committed to maintaining the highest standards of privacy and confidentiality. Information shared between our company, the referring partner, and the client is strictly used to enhance and facilitate the client’s credit repair journey. All data handling practices comply with applicable privacy laws and regulations to protect the client’s personal and financial information.

Conclusion: The shared relationship and flow of information between our company, the referring partner, and the client are fundamental to the success of our credit repair services. This transparent and collaborative approach enables all parties to work together effectively, ensuring the client receives optimal support and achieves their credit improvement goals.

Overview: Our business partners play a crucial role in referring clients to our credit repair services. To maintain this collaborative relationship and continue providing no-cost services to referred clients, it is essential that partners adhere to the agreed-upon financial commitments.

Partner’s Monthly Fee: As part of our referral program, partners are required to pay a monthly fee. This fee supports the provision of our credit repair services to the clients they refer without charging the clients directly for our services. The monthly fee is a key component of sustaining the operational model that allows us to offer these services at no cost to the referred clients.

Consequences of Non-Payment: In the event that a partner stops paying their monthly fee, there are important implications for the services provided to their referred clients:

  1. Service Suspension: Should the partner cease their monthly payments, we reserve the right to suspend ongoing credit repair services for the clients they have referred. This means that active disputes, progress monitoring, and any further support may be put on hold until the payment issue is resolved.

  2. Notification and Resolution: We will make reasonable efforts to notify both the partner and the affected clients of the service suspension due to non-payment. Partners will be given an opportunity to rectify the situation by resuming their monthly payments, thereby reinstating services for their referred clients.

  3. Service Cancellation: If the partner fails to resume their payments within a specified period after the initial notification, we may proceed with permanently cancelling the credit repair services for their referred clients. This action underscores the importance of the partner’s financial commitment to maintaining the no-cost service model for clients.

Client Communication: We understand the impact that suspension or cancellation of services can have on the referred clients. Therefore, we strive to handle such situations with transparency and sensitivity. Clients will be informed of the reason for the disruption and provided with options, if available, to continue their credit repair journey independently or through other arrangements.

Conclusion: The continuity of our no-cost credit repair services for referred clients is directly linked to the financial contributions of our business partners. It is crucial for partners to maintain their monthly payments to ensure uninterrupted support for their clients. This collaborative financial responsibility is fundamental to sustaining the high-quality service experience we aim to provide.

CreditNerds & FundingNerds Affiliate Agreement

Effective Immediately


This Affiliate Agreement (hereinafter called the “Agreement”) is provided by CreditNerds, llc hereinafter referred to as “Company”.

Our primary website is located at:


This Agreement is a legal document between you and the Company that describes the affiliate relationship we are entering. This Agreement covers your responsibilities as an affiliate and our responsibilities to you. Please ensure you read and understand the entirety of this document, as well as have a lawyer’s assistance if you desire, because each of the terms of this Agreement are important to our working relationship.


The parties referred to in this Agreement shall be defined as follows:

  1. a) Company, Us, We: As we describe above, we’ll be referred to as the Company. Us, we, our, ours and other first-person pronouns will also refer to the Company, as well as all employees or legal agents of the Company.
  2. b) You, the Affiliate: You will be referred to as the “Affiliate.” You’ll also be referred to throughout this Agreement with second-person pronouns such as You, Your, or Yours.
  3. c) Parties: Collectively, the parties to this Agreement (the Company and You) will be referred to as “Parties” or individually as “Party.”
  4. d) Affiliate Program: The program we’ve set up for our affiliates as described in this Agreement.
  5. e) Affiliate Application: The fully completed form which must be provided to us for consideration of your inclusion in the Affiliate Program.
  6. f) Website: The primary website we’ve noted above will be referred to as Website.


By submitting an application to our Affiliate Program, you warrant that you have read and reviewed this Agreement and that you agree to be bound by it. If you do not agree to be bound by this Agreement, please leave the website immediately and do not submit an application to our Affiliate Program. This Agreement specifically incorporates by reference any Terms of Conditions, Privacy Policies, End-User License Agreements, or other legal documents which we may have on our website.


You must be at least 18 (eighteen) years of age to join our Affiliate Program or use this Website. By submitting an application to our Affiliate Program, you represent and warrant that you are at least 18 years of age and may legally agree to this Agreement. The Company assumes no responsibility or liability for any misrepresentation of your age.


In order to sign up for our Affiliate Program, you will first be asked to submit an Affiliate Application to join. The Affiliate Application may be found at the following website: https://www.creditnerds.com/partners

Submitting an Affiliate Application does not guarantee inclusion in the Affiliate Program. We evaluate each and every application and are the sole and exclusive decision-makers on Affiliate acceptance. If we choose not to allow your inclusion in the Affiliate Program, we will attempt to notify you in a reasonable manner. If you do not hear from us within a reasonable time frame, please consider your application rejected. We are not obligated to provide you any explanation for your rejection, but please be advised we may reject applicants for any reason or manner, including but not limited to a website or social media page which violates our Acceptable Use Policy.

If your Affiliate Application is rejected, you may not reapply. If your Affiliate Application is accepted, each of the terms and conditions in this Agreement applies to your participation. We may also ask for additional information to complete your Affiliate Application or for you to undertake additional steps to ensure eligibility in the Affiliate Program.


This Agreement does not create an exclusive relationship between you and us. You are free to work with similar affiliate program providers in any category. This agreement imposes no restrictions on us to work with any individual or company we may choose.


After your acceptance in the Affiliate Program, you must ensure your account is set up thoroughly, including specific payout information and location (such as a bank or online account which we may use to post payment).

Please be advised the below is a general description of the Affiliate Program. Everything contained in this subsection is subject to the specific terms and conditions throughout the rest of this Agreement.

Sales: We will provide you with a specific link or links which correspond to certain products we are offering for sale (collectively, the “Sales Link”). The Sales Link will be keyed to your identity and will send online users to the Company’s website or websites. You hereby agree to fully cooperate with us regarding the Sales Link and that you will explicitly comply with all of the terms of this Agreement for the promotion of the Sales Link at all times. We may modify the specific link or links and will notify you if we do so. You agree to only use links which are prior approved by us and to display the Sales Link prominently on your website or social media page, as described in your Affiliate Application (collectively, the “Affiliate Site”).

No cookie stuffing: You agree not to use cookie “stuffing,” or other techniques which may incorporate a tracking code without specific knowledge of the online user.

All information which will be displayed on the Affiliate Site regarding the Company must be approved by us in writing prior to display.

Each time a user clicks through the Link posted on the Affiliate Site and completes the sale of the product or service and we determine it is a Qualified Purchase, as described below, you will be eligible to receive the following percentage of the sale based on your affiliate program status below:



We will determine whether payout is permissible in our sole and exclusive discretion. We reserve the right to reject clicks and/or sales that do not comply with the terms of this Agreement.

Processing and fulfillment of orders will be our responsibility. We will also provide real-time data regarding your account with us through the portal on which you log into the website.

As described above, in order to be eligible for payout, all purchases must be “Qualified Purchases.”

Qualified Purchases are defined as:

  1. a) Purchaser must not have been referred by any other partner or affiliate links of the Company (in other words, Qualified Purchases are only available through your specific Affiliate Link;
  2. b) May not be purchased by an already-existing partner or affiliate of the Company;
  3. c) May not be purchased prior to the Affiliate joining the Affiliate Program;
  4. d) May only be purchased through a properly-tracking Affiliate Link;
  5. e) May not be purchased by a customer in violation of any of our legal terms or Acceptable Use Policy;
  6. f) May not be fraudulent in any way, in the Company’s sole and exclusive discretion;
  7. g) May not have been induced by the Affiliate offering the customer any coupons, discounts, or any other incentive;


We do not pay any commission on the Partner Referral Program.


You may log into your account with us to review reports related to your affiliation, such as payout reports and Qualified Purchase information. Please be advised however, that not all listed qualifying clicks and/or purchases have been fully reviewed for accuracy in the reports viewable by you in real-time and therefore may be subject to change prior to payout.


The term of this Agreement will begin when we accept you into the Affiliate Program. It can be terminated by either Party at any time with or without cause.

You may only earn payouts as long as you are an Affiliate in good standing during the term. If you terminate this Agreement with us, you will qualify to receive payouts earned prior to the date of termination.

If you fail to follow the terms of this Agreement or any other legal terms we have posted anywhere on our website or websites, you forfeit all rights, including the right to any unclaimed payout.

We specifically reserve the right to terminate this Agreement if you violate any of the terms outlined herein, including, but not limited to, violating the intellectual property rights of the Company or a third party, failing to comply with applicable laws or other legal obligations, and/or publishing or distributing illegal material.

At the termination of this Agreement, any provisions that would be expected to survive termination by their nature shall remain in full force and effect.


You agree that the intellectual property owned by the Company includes all copyrights, trademarks, trade secrets, patents, and other intellectual property belonging to the Company (“Company IP”).

Subject to the limitations listed below, we hereby grant you a non-exclusive, non-transferable, revocable license to access our websites in conjunction with the Affiliate Program and use the Company IP solely and exclusively in conjunction with identifying our company and brand on the Affiliate Site to send customers to the Affiliate links we provide. You may not modify the Company IP in any way and you are only permitted to use the Company IP if you are an Affiliate in good standing with us.

We may revoke this license at any time and if we find that you are using the Company IP in any manner not contemplated by this Agreement, we reserve the right to terminate this Agreement.

Other than as provided herein, you are not permitted to use any of the Company IP or any confusingly similar variation of the Company IP without our express prior written permission. This includes a restriction on using the Company IP in any domain or website name, in any keywords or advertising, in any metatags or code, or in any way that is likely to cause consumer confusion.

Please be advised that your unauthorized use of any Company IP shall constitute unlawful infringement and we reserve all of our rights, including the right to pursue an infringement suit against you in federal court. You may be obligated to pay monetary damages or legal fees and costs.

You hereby provide us a non-exclusive license to use your name, trademarks and servicemarks if applicable and other business intellectual property to advertise our Affiliate Program.


The Company may, from time to time and at any time, modify this Agreement. You agree that the Company has the right to modify this Agreement or revise anything contained herein. You further agree that all modifications to this Agreement are in full force and effect immediately upon posting on the Website and that modifications or variations will replace any prior version of this Agreement, unless prior versions are specifically referred to or incorporated into the latest modification or variation of this Agreement. If we update or replace the terms of this Agreement, we will let you know via electronic means, which may include an email. If you don’t agree to the update or replacement, you can choose to terminate this Agreement as described below.

  1. a) To the extent any part or subpart of this Agreement is held ineffective or invalid by any court of law, you agree that the prior, effective version of this Agreement shall be considered enforceable and valid to the fullest extent.
  2. b) You agree to routinely monitor this Agreement and refer to the Effective Date posted at the top of this Agreement to note modifications or variations. You further agree to clear your cache when doing so to avoid accessing a prior version of this Agreement.


Nothing contained within this Agreement shall be construed to form any partnership, joint venture, agency, franchise, or employment relationship. You are an independent contractor of the Company and will remain so at all times.


You agree not to use the Affiliate Program or our Company for any unlawful purpose or any purpose prohibited under this clause. You agree not to use the Affiliate Program in any way that could damage our websites, products, services, or the general business of the Company.

 You further agree not to use the Affiliate Program:

  1. I) To harass, abuse, or threaten others or otherwise violate any person’s legal rights;
  2. II) To violate any intellectual property rights of the Company or any third party;

III) To upload or otherwise disseminate any computer viruses or other software that may damage the property of another;

  1. IV) To perpetrate any fraud;
  2. V) To engage in or create any unlawful gambling, sweepstakes, or pyramid scheme;
  3. VI) To publish or distribute any obscene or defamatory material;

VII) To publish or distribute any material that incites violence, hate, or discrimination towards any group;

VIII) To unlawfully gather information about others.


You are responsible for ensuring operation and maintenance of the Affiliate Site, including technical operations, written claims, links, and accuracy of materials. You must ensure, as noted above, that the Affiliate Site does not infringe upon the intellectual property rights of any third party or otherwise violate any legal rights.

We may monitor your account, as well as clicks and/or purchases coming through your account. If we determine you are not in compliance with any of the terms of this Agreement, we have the right to immediately terminate your participation in the Affiliate Program.

We require all of our Affiliates to comply with all applicable statutes, regulations, and guidelines set by the federal government, through the Federal Trade Commission, as well as state and local governments as mandated. The Federal Trade Commission requires that affiliate relationships, such as the relationship between you and the Company, be disclosed to consumers.

We recommend that you seek independent legal counsel to advise you of our obligations to disclose in this manner.

You are required to post a conspicuous notice on your website regarding the Affiliate Program. The notice does not have to contain the precise words as the example given below, but should be similar:

We engage in affiliate marketing whereby we receive funds through clicks to our affiliate program through this website or we receive funds through the sale of goods or services on or through this website. We may also accept advertising and sponsorships from commercial businesses or receive other forms of advertising compensation. This disclosure is intended to comply with the US Federal Trade Commission Rules on marketing and advertising, as well as any other legal requirements which may apply.

We also require you to comply with any and all applicable data privacy and security laws and regulations, including all of those which may impact your country of residence or your visitors. Such regulations include, but are not limited to, any applicable laws in the United States or the General Data Protection Regulation of the European Union. We also require that you implement adequate organizational and technical measures to ensure an appropriate level of security for the data that you process. Further, you hereby agree to comply with any requests which we may make to you regarding compliance with the General Data Protection Regulation or requests which you may receive from data subjects.

If we find you are not in compliance with any of the requirements of this subpart, we may terminate our relationship with you at our sole and exclusive discretion.


You agree not to undertake any of the following actions:

  1. a) Reverse engineer, or attempt to reverse engineer or disassemble any code or software from or on any of our websites or services;
  2. b) Violate the security of any of our websites or services through any unauthorized access, circumvention of encryption or other security tools, data mining or interference to any host, user or network.


The Company does not accept responsibility for the security of your account or content. You agree that your participation in the Affiliate Program is at your own risk.


You agree to defend and indemnify the Company and any of its agents (if applicable) and hold us harmless against any and all legal claims and demands, including reasonable attorney’s fees, which may arise from or relate to your use or misuse of the Affiliate Program, your breach of this Agreement, or your conduct or actions. You agree that the Company shall be able to select its own legal counsel and may participate in its own defense, if the Company wishes.


You are strictly prohibited from using the Affiliate Program for illegal spam activities, including gathering email addresses and personal information from others or sending any mass commercial emails.


This Agreement constitutes the entire understanding between the Parties with respect to the Affiliate Program. This Agreement supersedes and replaces all prior or contemporaneous agreements or understandings, written or oral.


The Company may need to interrupt your access to the Affiliate Program to perform maintenance or emergency services on a scheduled or unscheduled basis. You agree that your access may be affected by unanticipated or unscheduled downtime, for any reason, but that the Company shall have no liability for any damage or loss caused as a result of such downtime.


You agree that your use of the Affiliate Program is at your sole and exclusive risk and that any services provided by us are on an “As Is” basis. The Company hereby expressly disclaims any and all express or implied warranties of any kind, including, but not limited to the implied warranty of fitness for a particular purpose and the implied warranty of merchantability. The Company makes no warranties that the Affiliate Program will meet your needs or that it will be uninterrupted, error-free, or secure. The Company also makes no warranties as to the reliability or accuracy of any information. You agree that any damage that may occur to you, through your computer system, or as a result of loss of your data from your use of the Affiliate Program is your sole responsibility and that the Company is not liable for any such damage or loss.


The Company is not liable for any damages that may occur to you as a result of your participation in the Affiliate Program, to the fullest extent permitted by law. The maximum liability of the Company arising from or relating to this Agreement is limited to one hundred ($100) US Dollars. This section applies to any and all claims by you, including, but not limited to, lost profits or revenues, consequential or punitive damages, negligence, strict liability, fraud, or torts of any kind.


  1. A) LANGUAGE: All communications made or notices given pursuant to this Agreement shall be in the English language.
  2. B) JURISDICTION, VENUE & CHOICE OF LAW: Through your participation in the Affiliate Program, you agree that Arkansas shall govern any matter or dispute relating to or arising out of this Agreement, as well as any dispute of any kind that may arise between you and the Company, with the exception of its conflict of law provisions. In case any litigation specifically permitted under this Agreement is initiated, the Parties agree to submit to the personal jurisdiction of the state and federal courts of the following county: Greene, Arkansas. The Parties agree that this choice of law, venue, and jurisdiction provision is not permissive, but rather mandatory in nature. You hereby waive the right to any objection of venue, including assertion of the doctrine of forum non conveniens or similar doctrine.
  3. C) ARBITRATION: In case of a dispute between the Parties relating to or arising out of this Agreement, the Parties shall first attempt to resolve the dispute personally and in good faith. If these personal resolution attempts fail, the Parties shall then submit the dispute to binding arbitration. The arbitration shall be conducted in the following county: Greene. The arbitration shall be conducted by a single arbitrator, and such arbitrator shall have no authority to add Parties, vary the provisions of this Agreement, award punitive damages, or certify a class. The arbitrator shall be bound by applicable and governing Federal law as well as the law of Arkansas. Each Party shall pay their own costs and fees. Claims necessitating arbitration under this section include, but are not limited to: contract claims, tort claims, claims based on Federal and state law, and claims based on local laws, ordinances, statutes or regulations. Intellectual property claims by the Company will not be subject to arbitration and may, as an exception to this subpart, be litigated. The Parties, in agreement with this subpart of this Agreement, waive any rights they may have to a jury trial in regard to arbitral claims.
  4. D) ASSIGNMENT: This Agreement, or the rights granted hereunder, may not be assigned, sold, leased or otherwise transferred in whole or part by you. Should this Agreement, or the rights granted hereunder, by assigned, sold, leased or otherwise transferred by the Company, the rights and liabilities of the Company will bind and inure to any assignees, administrators, successors, and executors.
  5. E) SEVERABILITY: If any part or subpart of this Agreement is held invalid or unenforceable by a court of law or competent arbitrator, the remaining parts and subparts will be enforced to the maximum extent possible. In such condition, the remainder of this Agreement shall continue in full force.
  6. F) NO WAIVER: In the event that we fail to enforce any provision of this Agreement, this shall not constitute a waiver of any future enforcement of that provision or of any other provision. Waiver of any part or subpart of this Agreement will not constitute a waiver of any other part or subpart.
  7. G) HEADINGS FOR CONVENIENCE ONLY: Headings of parts and subparts under this Agreement are for convenience and organization, only. Headings shall not affect the meaning of any provisions of this Agreement.
  8. H) FORCE MAJEURE: The Company is not liable for any failure to perform due to causes beyond its reasonable control including, but not limited to, acts of God, acts of civil authorities, acts of military authorities, riots, embargoes, acts of nature and natural disasters, and other acts which may be due to unforeseen circumstances.
  9. I) ELECTRONIC COMMUNICATIONS PERMITTED: Electronic communications are permitted to both Parties under this Agreement, including email or fax. For any questions or concerns, please email us at the following address: partners@creditnerds.com.

It's our job...

At CreditNerds®, we are not just your average credit repair team; we are your dedicated allies in the fight for financial freedom. Our seasoned experts specialize in tackling a wide range of credit challenges, from erroneous late payments to stubborn collections and everything in between. With a proven track record of success, a commitment to transparency, and a passion for helping our clients, we're your trusted partner on the path to credit recovery. We've got the experience, the knowledge, and the determination to turn your credit profile around and pave the way for a brighter financial future. When you choose CreditNerds®, you're choosing a team that's genuinely invested in your success.

A cartoon image of three business style characters who provide credit repair services..

And... We have a blog!

A realistic cartoon-style illustration for a blog post titled 'The Impact of Credit Inquiries on Your Score.' The central character is an African American person with dark skin, curly hair, and glasses, wearing a green shirt and jeans. They are carefully examining a credit report with a magnifying glass. In the background, a large credit score gauge with a fluctuating needle is prominent, surrounded by icons representing different types of credit inquiries: a house, a car, and a credit card. The scene is enriched with abstract patterns in blue and green, adding vibrancy. The character's expression shows a thoughtful mix of curiosity and concern, emphasizing the importance of understanding credit inquiries.

Credit inquiries play a significant role in your financial health. They occur whenever a request is made to review your credit report, and they can influence your credit score in various ways. Understanding the impact of credit inquiries on your score is essential for effective credit management. In this guide, we'll explore the differences between …

A vibrant, realistic illustration celebrating Juneteenth and financial equality. The central character is an African American person with dark skin, curly hair, and glasses, wearing a blue shirt and black pants. They stand confidently with a bright smile. The background is adorned with colorful abstract patterns in shades of green, yellow, and red, incorporating subtle symbols of financial equality like a balance scale and a piggy bank. The overall atmosphere is hopeful and empowering, reflecting the themes of freedom, progress, and financial empowerment associated with Juneteenth.

Juneteenth: A Reflection on Financial Liberation and Equality As we commemorate Juneteenth, the day marking the emancipation of the last enslaved African Americans in the United States on June 19, 1865, it’s crucial to explore its significance beyond its historical context. While Juneteenth is a celebration of freedom and resilience, it’s also an opportunity to …

A semi-realistic cartoon of a character with glasses, standing next to a car and looking puzzled. The character holds a car key in one hand and a document labeled 'Return Policy' in the other. In the background, a car dealership building with a prominent 'Returns' sign is visible. The image has warm, inviting tones, perfect for illustrating the topic 'Can You Return a Car You Just Bought?'

Buying a car is an exhilarating experience, but sometimes, the excitement quickly fades. You might find yourself questioning your decision and wondering, can you return a car you just bought? Generally, the answer is no, but there are specific situations where returning a car might be possible. Understanding these scenarios and knowing your options can …

A semi-realistic cartoony style image of a person wearing glasses, looking worried while holding a credit card statement with increasingly larger numbers. Surrounding the character are symbolic snowballs growing in size, representing the accumulating interest on the credit card balance. The background shows a simple living room setting with a couch, coffee table, and plants, adding a relatable context. Bright and engaging colors make the image visually appealing.

Credit cards provide a convenient way to manage expenses, whether you're covering daily purchases, emergencies, or significant expenditures. However, understanding how interest charges accumulate is crucial, especially when you don’t pay off your entire balance each month. In this post, we’ll explore how interest on credit card balances works and why carrying a balance can …

A semi-realistic cartoony style image of a person wearing glasses, looking at a calendar with important dates circled. The character is holding a document labeled 'Grace Period' and seems thoughtful, indicating they are considering the time allowed for payment. The background includes subtle office elements like a desk, computer, and bookshelf, with bright and engaging colors making the image visually appealing.

A grace period allows you to avoid interest or fees on borrowed money for a specified time. Grace periods differ by lender and loan type, but understanding them can save you money. Here’s what you need to know about periods. How Does a Grace Period Work? Lenders often provide grace periods, although they are not …

A semi-realistic cartoon-style illustration for a blog post titled 'How Life Events Affect Your Credit.' The central character is an African American person with dark skin, curly hair, and glasses, wearing casual clothing. They stand thoughtfully at a crossroads with multiple paths behind them, each marked by icons: a graduation cap for education, a house for home buying, a wedding ring for marriage, and a stork for parenthood. The background includes colorful abstract patterns and financial symbols like a credit score gauge and dollar signs, representing the impact of these life events on credit. The overall atmosphere is reflective and informative.

Life is full of unexpected twists and turns. While some events bring joy and celebration, others can lead to significant financial stress. Major life events such as divorce or medical issues can have profound impacts on your credit score. Understanding how these events affect your credit and learning strategies to manage your credit during these …

A semi-realistic cartoony image of a worried character wearing glasses, looking at their credit card with a shocked expression. The background includes subtle hints of hacking elements like binary codes and warning symbols. The character is in a home setting with a laptop open on a desk, displaying a warning message on the screen, reflecting the theme of credit card hacking.

11 Signs Your Credit Card Has Been Hacked Credit card fraud is prevalent. In 2023, it was the most common type of identity theft, according to the Federal Trade Commission (FTC). With so much information stored and transmitted digitally, your credit card information can be hacked and used without your card ever leaving your wallet. …

Cartoon-style image of a young man wearing glasses, standing in a park with American flags and memorial wreaths, smiling and holding a small American flag, with people in the background paying respects at a memorial.

As we celebrate Memorial Day, we take time to honor and remember the brave men and women who have made the ultimate sacrifice for our country. At Credit Nerds, we understand that the best way to honor their legacy is by supporting the veterans and families who continue to serve our nation in countless ways. …

A semi-realistic cartoon-style illustration of a thoughtful person with glasses sitting at a desk, looking at a computer screen displaying "Account Balances Impact Credit". The character is holding a financial statement and is surrounded by icons like credit scores, dollar signs, and bar graphs. The character is dressed in casual clothes, appearing focused and contemplative. The background shows a home office setting with a bulletin board and a window displaying a neutral sky, emphasizing the importance of managing finances.

Understanding how your account balances affect your credit is crucial in managing your financial health. This article explores the dynamics between your balances and credit scores, detailing strategies for optimal management. The Influence of Account Balances on Credit Scores Account balances directly impact your credit if they are reported to credit bureaus. The way these …

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Procrastination won't make those negative items magically disappear from your credit report. Instead of waiting for a miracle, empower yourself with the knowledge that you can make a change. At CreditNerds®, we're here to help you every step of the way, but the first and most crucial step begins with you. Take charge of your financial future by reaching out to us today. Let's work together to transform your credit and open doors to new opportunities. Don't wait any longer; your journey to better credit starts now.