Credit Nerds

1.7

Overall Score

13 User Reviews

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Credit Nerds is a credit repair and restoration services company based out of Paragould, Arizona. Business operations are overseen by President Eric Counts, utilizing a unique pricing model that differentiates it from similar industry competitors. Credit Nerds is not affiliated with Credit Repair Nerds (CRN). We have found that though both corporate websites have a similar look and feel, they are two different entities with similar names and designs.

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#49 Credit Nerds Logo Credit Nerds

1.7

Overall
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13 User Reviews

The Good

  • 24-Hour Access 
  • Unlimited Disputes 
  • Up-Front Pricing
  • Add-a-Spouse Discounts
  • Positive Reputation 

Credit Nerds charges a standard fee for its comprehensive audit in one of three packages that consumers may choose from. Prices start at $46.25 per-deletion fees. Credit Nerds also offers a DIY service for a one-time fee of $247. None of their packages including an initial upfront fee. Clients are given an upfront timeline estimate regarding services and typically see results in 3-6 months. Licensed attorneys are available to clients as needed and live chat assistance with a customer service representative is included anytime day or night. Consumers also able to receive:

24-Hour Access

Clients of Credit Nerds have access to their case at all times through their online dashboard.

Unlimited Disputes

The credit specialists with Credit Nerds do not limit the number of disputes on behalf of a client. That means erroneous items on a credit report will be disputed as many times as possible, if desired.

Up-Front Pricing

Clients have pricing options to choose from, including paying for all services at one time, up-front.

Add-a-Spouse Discounts

Couples who both are in need of credit repair services can enroll together for additional savings.

Positive Reputation

Credit Nerds features numerous testimonials and successful deletion copies on its corporate website. The credit repair company features credit education information as well on its website. The company has an excellent rating with the Better Business Bureau with few filed consumer complaints. Online third-party and customer reviews available online have a positive regard for the credit repair company.

The Bad

  • Deletion Costs Per Item: Depends on Item Type
  • $10 Personal Info Removal 
  • $25 for Inquiries 
  • $50 Standard Items 
  • $100 for Public Records
  • $25 Late Fee Charge 

The credit repair services offered by this company may get too expensive for some household budgets. The financial services company requires its clientele to keep a monitoring service as a requirement. Failure to meet this requirement can result in a $100 cancelation fee. Since Credit Nerds is a pay-per-deletion company. All Credit Nerds accounts provided to clients are revolving accounts. These accounts report at a 20 percent balance on a monthly basis with perfect payment history. The company does not give consumers a free initial consultation as commonly offered by its competitors. Consumers can also expect additional fees such as:

Deletion Costs Per Item: Depends on Item Type

Pricing for deletion will depend on the type of error or item on the credit report.

$10 Personal Info Removal

For any incorrect personal information, a $10 charge will be applied upon correction.

$25 for Inquiries

For general inquiries on a credit report, a $25 charge per correction will be charged.

$50 Standard Items

For standard items, such as an erroneous charge-off, a $50 charge will be applied.

$100 for Public Records

For public records correction, a $100 charge will be applied to the client's account.

$25 Late Fee Charge

In the case of an erroneous late fee item on a credit report, a fee of $25 will need to be paid. Improving your credit for a home loan? See who's recommended

The Bottom Line

Credit Nerds appears to be a legitimate credit repair company in the financial services industry. They are very transparent about their pricing and services.  However, these services can be expensive for some consumers. Besides the initial audit fee, consumers are expected to pay-per-deletion for each successfully removed item. Credit Nerds is a good company for those that prefer the pay-per-deletion method of credit repair and are willing to get their own credit reports from the 3 major bureaus. 

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