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 …
Stephanie Counts
Stephanie Counts
Stephanie Counts is not only a co-founder of CreditNerds® but also an integral part of the company’s heart and soul. Her role as a co-founder and her unwavering support as the wife of owner Eric Counts have played a pivotal role in CreditNerds® journey to success.
As a co-founder of CreditNerds®, Stephanie brings a unique blend of vision, dedication, and strategic insight to the company. Her commitment to the company’s mission and her steadfast belief in its potential have been instrumental in shaping CreditNerds® into the thriving enterprise it is today. Stephanie’s influence can be seen in every aspect of the company’s growth and development.
Beyond her professional endeavors, Stephanie has a passion for reading that knows no bounds. In her spare time, she immerses herself in the world of literature, finding solace and inspiration within the pages of books. Her love for reading reflects her curiosity, intellect, and her constant pursuit of knowledge.
Stephanie Counts is not just a co-founder; she is the embodiment of CreditNerds® values, resilience, and unwavering dedication to its clients. Her role within the company extends far beyond her title, as she continues to be a driving force behind its continued success.
In her multifaceted role as co-founder, supportive partner, and avid reader, Stephanie Counts exemplifies the qualities of a leader who is both dedicated to her company’s mission and passionate about her personal pursuits.
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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 …