It Pays To Have Good Credit
by Christopher Stirgus
Welcome to the It Pays To Have Good Credit Podcast, where we talk about credit scores and other financial topics. The purpose of this show is to give free credit education to those who need it the most. We also interview guests, on how they used credit to improve their business or lifestyle. Subscribe to our show to learn everything you need to know about credit, business financing and many other financial topics! 💰📊📈 Our podcast has been suggested as a top podcast for credit education, and known for debunking credit myths! Need a service to assist you with your credit scores? Stirgus Credit Repair www.StirgusCreditRepair.com [email protected] (225) 243-9700 🧠📚 Read our book to learn everything you need about
Episodes
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Credit is destroyed because his card was LOCKED!
👉 In this episode you’ll learn: I'm starting to hear so many stories of consumers missing payments and damaging their credit, because "their card was locked" during the payment dates. Cmon guys, I cannot imagine ruining my credit, knowing I had the money! 📌 Need help with your credit? Start…
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Kevin O'Leary is worth $400M & gives credit advice...People are saying he's WRONG!
👉 In this episode you’ll learn: I reacted to a video of Kevin O'Leary (from Shark Tank), giving advice on building credit scores. Despite his $400M networth and financial education, people in the comments are still claiming he's wrong and refuse to take his advice. As someone who's in the credit...
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Business Funding Explained: What Financing Can You Get at Every Credit Score?
👉 In this episode you’ll learn: We break down the different types of business financing available—from startups and small businesses to established companies—and explain the credit requirements, qualification factors, and funding options to look for at each stage. Whether you need startup…
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Burger King Employee Gets Trapped in an 84-month 30% APR Car Loan
👉 In this episode you’ll learn: I reacted to a dealership's video of a car buyer who works at burger king, give up the last $1,000 to his name to fall into a bad credit auto loan. Many would argue that this is a repossession waiting to happen... 📌 Need help with your credit? Start your free…
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Denied a Credit Limit Increase? Here’s How to Get Approved
👉 In this episode you’ll learn: Got denied when you asked for a credit limit increase? Don’t give up yet. In this episode, I break down what to do after a credit card limit increase denial, the common reasons issuers say no, and the steps you can take to improve your chances of getting approved...
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TOP 10 Negative Accounts I’ve Removed From Clients’ Credit Reports
👉 In this episode you’ll learn: These are the 10 negative accounts I see hurting people’s credit the most—and some of them show up on credit reports again and again. In this episode, I break down real negative accounts I’ve helped clients get removed, why they can damage your credit, and what…
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Credit Repair Myths vs. Reality: DIY Credit Repair, Credit Report Errors, FICO vs. VantageScore & Credit Repair Laws (Ft Cyerra White)
👉 In this episode you’ll learn: I sat down with a Cyerra White at KLN Consulting to break down credit repair myths vs reality, fixing your credit yourself vs hiring a pro, and the most common credit report errors to check for. We also cover the lowest scores we've seen, FICO vs VantageScore, and...
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Here’s EXACTLY How to Repair Your Credit Yourself (Step-by-Step)
👉 In this episode you’ll learn: Most credit repair companies aren’t going to show you exactly what they do behind the scenes—but I am. In this 40 minute episode, I walk you through the entire process of repairing your credit yourself, step by step. I’ll explain what credit repair actually is…
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We fixed his credit and got him approved for business line of credit!
👉 In this episode you’ll learn: His business hit a slow season, credit got destroyed.....but we fixed his credit and got him a $30,000 line of credit for his business, to re-invest in the marketing he needs to grow! Take action with today's sponsor SmartCredit and start tracking your credit…
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REACTION: Don't Test Drive Cars Until You Get Pre-Approved First
👉 In this episode you’ll learn: I reacted to a couple who drove to a dealership and test drove cars knowing they had horrible credit and couldn't get approved. If you know you have bad credit buying a car, apply online or over the phone and get pre-approved before you waste gas and time. 📌 Need...
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Did You Have a Credit Acceptance Repo? Settlement Explained
👉 In this episode you’ll learn: Did you have a car repossessed by Credit Acceptance? A $694M multistate settlement says qualifying accounts must be deleted from credit reports. In this episode I break down who qualifies for repossession deletion relief, the loan dates and internal-score rule…
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Can You Still Buy a House with Mortgage Rates Above 7%?
👉 In this episode you’ll learn: Mortgage rates just jumped above 7% — can you still buy a house right now? Here's what today's rate spike means for your credit, buying power, and home loan approval. In this episode I break down why mortgage rates crossed 7%, how lenders look at your credit when...
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Credit Repair Business Owner Answers Your Top DMs & Comments
👉 In this episode you’ll learn: Owning a credit repair business means I get the same DMs and comments every day — I'm answering them honestly in this episode. I break down how a credit repair business really works, how to start a credit repair business, what credit repair companies can and can't...
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She Was Homeless With an Eviction on Her Credit - Then We Fixed It
👉 In this episode you’ll learn: Our client was homeless because an EVICTION was on her credit report. We removed the evictions from her credit report fast — and now she's housed. This is her real credit repair testimonial. In this video, my client shares how an eviction on her credit report kept...
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I Got a $4,800 Charge-Off DELETED From a Credit Report (Step-by-Step)
👉 In this episode you’ll learn: How I got a $4,800 charge-off deleted from a client’s credit report — step by step. In this video, I walk you through the exact process I used, what I looked for, how I approached the dispute, and what happened after the credit reporting agencies investigated the...
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How to Pay for College Without Student Loan Debt | Scholarships & Credit planning
👉 In this episode you’ll learn: Student loan debt can follow you for years—and it can impact your financial future and credit. In this episode, Christopher Stirgus sits down with Shellee Howard of College Ready Plan to discuss how students and families can use scholarships and strategic college...
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Mortgage Requirements in 2026: Credit Score, Loan Types & What You Need to Buy a Home
👉 In this episode you’ll learn: What credit score do you need to buy a house? What are the mortgage requirements for FHA, VA, conventional, and other home loans? And what credit issues can prevent you from getting approved for a mortgage? In this episode of the It Pays To Have Good Credit…
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Should You Pay Collections Before Buying a House? Mortgage & Credit Explained
👉 In this episode you’ll learn: Should you pay off a collection account before applying for a mortgage? Does a paid collection look better than an unpaid collection when you're trying to buy a house? And can collections prevent you from getting approved for a home loan? In this episode of the It...
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Don’t Become HOUSE POOR! Why Buying at Your Max Pre-Approval Can Hurt You
👉 In this episode you’ll learn: Just because a lender approves you for a certain amount doesn't mean you should spend that much on a house. In this episode of the It Pays To Have Good Credit Podcast, Christopher Stirgus, owner of Stirgus Credit Repair, talks with Austin Edwards, known as Austin...
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Business Funding Explained: Requirements, Loan Amounts & How to Qualify
👉 In this episode you’ll learn: If you're looking for business funding to grow your company, this episode breaks down everything you need to know before applying. In this episode, we cover: Business funding requirements How much funding businesses may qualify for What lenders look for during the...
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CareCredit's 0% Interest Isn't What You Think...
👉 In this episode you’ll learn: You ever applied for a CareCredit card to finance a medical treatment at 0% APR? Or have you already opened the account and realized your balance increased by a lot? Tune in to this episode as Christopher Stirgus explains exactly what happened... If you’re looking...
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I Bought My First House as a W2 Employee — Then Bought in Arizona as a Business Owner
👉 In this episode you’ll learn: Christopher Stirgus shares his story on his home buying experience in Louisiana when he was a w-2 employee at a car dealership, and his experience buying a home as a business owner in Arizona. Although being approved both times, these were completely different...
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Car Buying Using Credit (FT Ron Monaco)
👉 In this episode you’ll learn: Christopher Stirgus and Ron Monaco both were in the auto finance industry, before each starting their own credit repair businesses. Chris and Ron shared tips such as minimum credit score needed to finance a vehicle, no credit vs bad credit when car buying, should...
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Debunking Auto Financing MYTHS! (FT Ron Monaco)
👉 In this episode you’ll learn: Christopher Stirgus and Ron Monaco discuss common myths they hear all the time, relating to auto financing or car buying in general. This short version will cover pros and cons of financing through a dealership vs using your own bank, letting multiple dealerships...
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NO CREDIT VS BAD CREDIT: Who's approved? (FT Ron Monaco)
👉 In this episode you’ll learn: Christopher Stirgus and Ron Monaco discussed the approval odds when applying for auto financing with no credit and also with bad credit. Tune in to this short version of this episode, as the full episode will be released on July 17, 2026 at 12pm (MST) If you’re...
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Rapid Rescore Explained: How to Boost Your Credit Score Fast for a Mortgage
👉 In this episode you’ll learn: Christopher Stirgus explains what a Rapid Rescore is and how it's used. Many people confuse this with credit repair and misunderstand this for fixing bad credit fast. If you are planning to buy a home soon and may have mortgage approval concerns, this episode is…
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DON'T FALL FOR THESE BUSINESS FUNDING TRAPS!
👉 In this episode you’ll learn: Christopher Stirgus exposes some of the common business funding TRAPS for most small business owners. Tune in to this episode to ensure you don't get caught up in a merchant cash advance or credit card staking trick, that could destroy your small business in the...
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How to Start a LEGIT Credit Repair Business (Avoid Getting Shut Down)
👉 In this episode you’ll learn: Christopher Stirgus (Owner of Stirgus Credit Repair) shares step by step tips to start your own credit repair business and also all the laws and compliance rules you must follow! Christopher shares everything you need to know about starting your own credit repair...
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How Smart Entrepreneurs Use Credit & Taxes to Build Wealth (FT Rachid Barry)
👉 In this episode you’ll learn: Rachid Barry with RMJ Consultant, reached out to us to be a guest on our podcast. Rachid help business owners understand how to use tax strategies to benefit them, along with using credit to their advantage! This episode covers so much helpful information, and…
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Good credit won't save tax mistakes! (FT Rachid Barry)
👉 In this episode you’ll learn: Rachid Barry with RMJ Consultant and Christopher Stirgus with Stirgus Credit Repair, discuss how tax mistakes can ruin your finance application, regardless of your perfect credit score! Full episode will be available on June 12th 2026 at 7am (MST). If you’re…
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How does business structure affect a business? (FT Rachid Barry)
👉 In this episode you’ll learn: Rachid Barry with RMJ Consultant, discuss some of the common mistakes many business owners make when structuring their new business as a LLC, S-Corp, C-Corp, DBA, etc. Full episode will be available on June 12th 2026 at 7am MST. If you’re looking to fix your…
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"How to get $100k after creating a new LLC using credit"
👉 In this episode you’ll learn: The easiest way to get $100k for your business after creating your LLC and it does not require a specific credit score or proof of income..... If you’re looking to fix your credit, rebuild your score, or understand how credit repair works, this episode will help…
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Did your bank cut your credit limit or close your account!?
👉 In this episode you’ll learn: Why your bank may cut your credit limit or completely close your credit card account. If you’re looking to fix your credit, rebuild your score, or understand how credit repair works, this episode will help you see what’s possible through proper credit education…
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I got DENIED WITH PERFECT CREDIT!
👉 In this episode you’ll learn: Even with perfect credit history, you can still be denied for certain accounts. I attempted to increase my credit limit on my Sams Club credit card and you'll be surprised why I got denied! If you’re looking to fix your credit, rebuild your score, or understand…
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Credit tips from loan officer, to invest in real estate! (Ft Ben Stef)
👉 In this episode you’ll learn: Benjamin Stef at www.FundingFreedom.net shared helpful tips on how to use credit to invest in real estate. Ben and Christopher Stirgus went over a lot of different topics, scenario's, and also debunked a lot of the common myths your hear on the internet today. Our...
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Credit & Real Estate myth's! (Ft Ben Stef)
👉 In this episode you’ll learn: Ben Stef with www.fundingfreedom.net and Christopher Stirgus shared common myth's you may hear "guru's" talk about online. Some of these claims are highly misleading and can lead you down a bad trap! Tune in to the full episode on May 13th at 5pm MST! If you’re...
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Real estate investing with 2026 interest rates! (Ft Ben Stef)
👉 In this episode you’ll learn: Benjamin Stef with www.FundingFreedom.net and Christopher Stirgus discussed using credit to purchase real estate and if it's a good idea to do so with 2026 mortgage interest rates. Full episode will be available on May 13th 2026, at 5pm MST. If you’re looking to…
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Expecting "Ozempic results" for credit scores
👉 In this video you’ll learn: Christopher Stirgus breaks down the myths and misleading information, that is all over the internet, claiming you can fix your credit scores within days or weeks. Learn what actually happens in the credit repair process and a little behind the scenes of what we deal...
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Credit Repair secret to results: Even some "professionals" don't know about this!
👉 In this episode you’ll learn: 1 major factor that could be the reason why you're not seeing results with credit repair. Christopher Stirgus break down very important information that could help you throughout the credit repair process! If you’re looking to fix your credit, rebuild your score…
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Ranked as top credit education podcast-Why this podcast stands out!
👉 In this episode you’ll learn: Christopher Stirgus searched for the top recommended podcasts about credit scores or credit education in general. Surprisingly, It Pays To Have Good Credit, by Christopher Stirgus is one of the top sources to learn about credit scores, credit repair, business...
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Credit Repair results behind the scenes!
👉 In this episode you’ll learn: Learn a few credit repair steps behind the scenes. Christopher Stirgus talks about steps used to delete collection accounts and charge offs from credit reports. He goes step by step showing and explaining the everyday process at Stirgus Credit Repair. If you’re...
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Mortgage credit score is different from Credit Karma
👉 In this episode you’ll learn: Why credit scores are different everywhere you check them! We have a client who receive completely different credit scores on the same day and this episode will explain why this happens! If you’re looking to fix your credit, rebuild your score, or understand how...
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Minimum credit score home buying (Ft Sol Skolnick)
👉 In this episode you’ll learn: Loan officer Sol Skolnick shares helpful tips for those looking to buy a home, while attempting to improve their credit scores. Christopher Stirgus brought up helpful commonly asked questions that he hear on a daily basis from clients who are enrolled in Stirgus...
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Is a minimum credit score misleading in home buying? (Ft Sol Skolnick)
👉 In this episode you’ll learn: Christopher Stirgus and Sol Skolnick discussed potential misleading requirements for credit scores. Learn how credit scores play a factor in home buying, along with other required financial stats. Full episode available on April 22 2026 at 7am MST! If you’re…
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Home buying in 2026 economy: Asking a lender if the market is rough (Ft Sol Skolnick)
👉 In this episode you’ll learn: Christopher Stirgus and Sol Skolnick talk about home buying in 2026 economy. How are people still buying homes when gas is high, grocery cost has doubled, interest rates are high, home prices are insane, and everything else in life has increased except most…
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Lender Explains Credit Tips for Mortgage Preapproval (FT Philip Ganz)
👉 In this video you’ll learn: So many of our clients with Stirgus Credit Repair are trying to improve their credit scores to buy a home. Many of these clients have case specific questions about how their credit score or credit report will affect their mortgage application. Philip Ganz actually...
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Mortgage approval with bad credit (Ft Phil Ganz)
👉 In this video you’ll learn: Christopher Stirgus and Phil Ganz discussed approval odds if you have late payments on your credit and if you should pay off accounts that are negative, before applying for a mortgage. Philip Ganz reached out to us, to be a guest on the It Pays To Have Good Credit...
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I asked a lender what the minimum credit score for a mortgage is! (FT Phil Ganz)
👉 In this video you’ll learn: Christopher Stirgus and Phil Ganz discussed loan types and credit scores required for home buying! Philip Ganz reached out to us, to be a guest on the It Pays To Have Good Credit podcast and we went over all the questions we hear on a daily basis! With over 26 years...
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Settle your credit card debt like a pro! (FT Attorney William "Bill" Mitchell)
👉 In this video you’ll learn: Attorney William "Bill" Mitchell with Legal Edge Debt Solutions reached out, to share his expertise with eliminating credit card debt for Americans! Reach out to him by visiting www.legaledgedebtsolutions.com and be sure to checkout his FREE Ebook! If you’re looking...
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Are credit scores a debt trap? (Ft Attorney William "Bill" Mitchell)
👉 In this video you’ll learn: Christopher Stirgus asked Attorney William "Bill" Mitchell, a series of deep thoughts about credit scores and how the entire credit system is structured. Tune in for this discussion. Full episode will be released on March 27 2026 at 7am MST. If you’re looking to fix...
About this show
Welcome to the It Pays To Have Good Credit Podcast, where we talk about credit scores and other financial topics. The purpose of this show is to give free credit education to those who need it the most. We also interview guests, on how they used credit to improve their business or lifestyle.
Subscribe to our show to learn everything you need to know about credit, business financing and many other financial topics! 💰📊📈
Our podcast has been suggested as a top podcast for credit education, and known for debunking credit myths!
Need a service to assist you with your credit scores?
Stirgus Credit Repair www.StirgusCreditRepair.com
(225) 243-9700
🧠📚 Read our book to learn everything you need about
Hosted by
Christopher Stirgus
Categories