Credit Nerds

• Free Credit Repair Service
• In-depth Credit Audit Service
• Online Educational Resources

Free Credit Repair Service

As previously mentioned, Credit Nerds provides a free credit repair service. 

This type of service is unique as most credit repair companies charge steep fees for their credit repair plans. 

According to the company’s website, clients usually stay in the company’s credit repair program for four to six months. This timeframe, however, can change based on a number of factors. 

Credit Nerds does not promise that all or any negative items will be removed during the four to six month period. Most credit repair companies that do promise clients specific results are likely not providing completely legitimate services. 

The company also offers a credit audit, but does not require clients to sign up and pay for a credit audit before using its credit repair services. 

In-depth Credit Audit Service

Credit Nerds clients can choose to pay for an in-depth credit audit before signing up for the company’s free credit repair services. 

This credit audit costs a one-time fee of $97 and involves a complete breakdown of all items on a client’s credit report. 

The Credit Nerds’ website states that, as part of the credit audit, the company will review each item and will explain to the client how each item affects them as well as how clients can maintain good credit scores and reports outside of using credit repair services. 

In addition to the review, Credit Nerds will also provide credit education resources to help clients learn more about their credit report and credit scores. 

Again, clients do not have to sign up and pay for a credit audit before they can sign up for the company’s free credit repair services. 

The audit is designed to provide clients with more credit information and insight which can help them achieve their long-term credit goals. 

Online Educational Resources

The credit repair company has a variety of helpful educational resources on its website, including the following: 

• Courses — cover topics like credit basics, budgeting, saving, banking, identity theft, and more 
• Life Events — helps consumers learn about life events like buying a car, going to college, renting, buying a home, and getting a job
• Credit for Kids — helps consumers teach all children from pre-k to college to those with special needs about credit 
• Financial Calculators — provides consumers with tools that can help them determine how much car they can afford, how much house they can afford, and more 

All website visitors can use these educational tools and resources to learn more about personal finance and what they can do to improve their current financial situations.

• Monitoring Account Required 
• Self-Mail Service Required 
• Limited Website Information 

Monitoring Account Required

Although Credit Nerds offers a free credit repair service, the company does require clients to pay for and keep “an active 3-bureau monitoring account” with its credit report partner. 

The cost for this account is $39.95 per month and is paid directly to the monitoring account company. 

Self-Mail Service Required 

Credit Nerds also asks clients to “mail correspondence to creditors or credit bureaus” themselves. The company’s website explains that clients could incur additional fees since some items may need to be mailed certified. 

Limited Website Information

Although Credit Nerds does provide a significant amount of information on its website regarding its educational credit resources, the company’s website does lack in providing other, important information that some clients may want to know. 

Credit Nerds does not appear to offer information regarding the following: 

• Refunds/money-back guarantee policies
• Staff credentials
• Customer service availability
• Client portal or accessibility to updates/results
• Credit repair service process 

That said, potential clients may be able to obtain this information quickly by contacting the company directly via phone or email. 

Consumers can easily locate contact information on the Credit Nerds website.