A sudden drop in your credit score can feel confusing and frustrating. You’ve been paying attention to your finances—but now your score is down, and you're left wondering: Why did my credit score drop? Your credit score is influenced by multiple factors. Payment history, credit utilization, length of credit history, and even errors on your …
Penny Counts is not just a valued member of the team; she’s a cherished member of the CreditNerds® family. With more than seven years of dedicated service, Penny’s role as Senior Processor is crucial to the smooth and efficient functioning of the company.
As a Senior Processor at CreditNerds® , Penny brings a wealth of experience and expertise to her role. Her meticulous attention to detail, unwavering dedication, and deep understanding of the intricacies of financial processes have earned her the respect and admiration of her colleagues and clients alike. Penny’s commitment to excellence is a cornerstone of CreditNerds® success.
CreditNerds® is more than just a workplace for Penny; it’s a family affair. As part of the CreditNerds® family, she embodies the values and ethos that make the company unique. Penny understands the importance of strong family bonds and exemplifies these values both in and outside the office.
In her precious spare time, Penny delights in creating cherished memories with her beloved family, including her husband JJ and their son Matthew. Whether it’s exploring new adventures together or simply enjoying quality time at home, Penny’s love and dedication to her family are at the core of her life.
Penny Counts is not only a Senior Processor at CreditNerds® but also a testament to the company’s commitment to family values and strong relationships. Her tireless work ethic, combined with her passion for family, makes her an invaluable asset to both her professional and personal communities.
With her dedication to her role at CreditNerds® and her unwavering love for her family, Penny Counts embodies the spirit of a professional who excels in all aspects of her life.
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Paying off a loan may seem like a guaranteed win for your credit score. However, the reality is more complex. Whether your score goes up or down depends on your credit profile, loan type, and overall financial habits. Let’s break it down. How Credit Scores Are Calculated Before you decide to pay off your loan, …
When debt collectors come calling, it's easy to feel overwhelmed. But you have rights—and options. Knowing how to negotiate with debt collectors can make the difference between financial stress and a smart resolution. This guide outlines every step you need to take, from verification to final agreement, so you can handle the situation with confidence. …
Missed a few payments? That could lead to more than late fees. If ignored long enough, your unpaid bills may land in collections. This not only adds stress but also damages your credit. But what types of debt can go to collections? You might be surprised at how broad the list is—and how quickly it …
Life gets busy. Whether you forgot a due date or ran into a temporary cash crunch, missing a payment by just one day can be stressful. But the real question is: Does a one-day-late payment affect your credit score? The short answer is no—but that doesn’t mean there aren’t other consequences. Let’s explore how one-day-late …
When it comes to your credit health, few things carry as much weight as a charge-off. But what is a charge-off, really? And more importantly, how does it affect your financial future? Let’s explore this crucial credit term and break down everything you need to know. What Is a Charge-Off? A charge-off occurs when a …
Filing for bankruptcy can offer a financial reset—but it's not without consequences. While the law doesn’t limit the number of times you can file, each type of bankruptcy carries specific waiting periods before you can receive another discharge. So the real question isn't just how often you can file—it's how often you should. Is There …
At some point, you might think about canceling a credit card. Maybe the annual fees seem too high. Or maybe the rewards don’t fit your lifestyle anymore. Perhaps you simply want to simplify your wallet—or eliminate the temptation to overspend. Whatever your reason, it’s important to pause and ask: Does closing a credit card hurt …
Transferring a car title is one of the most important steps in buying or selling a vehicle. It ensures legal ownership changes hands and protects both parties from future liability. Whether you’re buying from a private seller or through a dealership, understanding how to transfer a car title is essential. Why a Title Transfer Matters …