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 …
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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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 …
Buying a car is more than picking out a vehicle—it’s a financial decision that often involves two separate negotiations: the price of the car and the terms of the car loan. Handling both at once can be overwhelming. So, should you apply for a car loan before going to the dealership? In most cases, the …
Understanding how credit cards function is essential for using them responsibly and avoiding costly mistakes. At their core, credit cards give you access to a revolving line of credit. You can borrow, repay, and borrow again—without reapplying. What Is a Credit Card? A credit card is a financial tool that lets you borrow money repeatedly, …
Your parents may still claim you as a dependent after you turn 18, but it depends on whether you meet IRS requirements. This can provide tax benefits for your parents, helping to offset costs if they continue supporting you financially. However, the rules change as you get older, determining whether you qualify as a dependent …
Scams continue to evolve, using new technology and tactics to deceive victims. Fraud has become increasingly common, with reports showing that over $1 trillion was lost to scams in 2024. Understanding the latest threats can help you stay ahead and protect yourself. The latest scams you need to be aware of in 2025 include AI-powered …
More Americans are struggling to keep up with their car payments, reaching the highest delinquency rates in over 30 years. Rising costs and high interest rates have made it increasingly difficult for borrowers to stay current on their auto loans. As financial pressure mounts, many consumers are facing serious consequences, including potential repossession of their …