It Pays To Have Good Credit

Christopher Stirgus
  • 5.0 (1)
  • Self-Improvement
  • Updated Daily

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 Info@StirgusCreditRepair.com (225) 243-9700 🧠📚 Read our book to learn everything you need about credit: a.co/d/etR3Yti

  1. 22h ago

    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 mortgage rates going up, and 3 moves to protect your approval — from credit utilization to debt-to-income ratio to loan options. Perfect for first-time buyers asking if they should wait, pause, or buy now. 📌 Need help with your credit? Start your free trial online: www.StirgusCreditRepair.com 👍 Like this video if it helps 💬 Comment “CREDIT” for free tips 📲 Subscribe for more credit education and real client results Follow our Facebook Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group: https://www.facebook.com/groups/113357348489166/ Instagram: https://www.instagram.com/stirgus_credit_repair/ Order our books: www.stirguscreditrepair.com/books Youtube Channel: https://www.youtube.com/channel/UC3nZSspf2jn1ZX65a-6u6rg Spotify: https://open.spotify.com/show/0C9pUEygDjsDZHy1WEeRMo Apple Podcasts: https://podcasts.apple.com/us/podcast/stirgus-credit-repair/id1612066520 Need Business Funding? https://stirguscreditrepair.com/businessfunding.html Want credit repair business mentorship? https://stirguscreditrepair.com/mentorship.html Want to partner with us? https://stirguscreditrepair.com/partners.html Want to join our podcast? https://stirguscreditrepair.com/podcast-credit-education.html Stirgus Credit Repair 📞 225-243-9700 ✉️ Info@stirguscreditrepair.com 🌐 www.stirguscreditrepair.com 📍 Po box 60190 Phoenix, Arizona 85082 🕒 Monday–Friday, 8:00 AM–4:00 PM MST #StirgusCreditRepair #ItPaysToHaveGoodCredit

    Can You Still Buy a House with Mortgage Rates Above 7%?

  2. Sep 10

    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 do, and how to fix credit the right way. If you've ever DM'd me about credit repair, business funding, or turning credit into financial freedom, this is for you. 📌 Need help with your credit? Start your free trial online: www.StirgusCreditRepair.com 👍 Like this video if it helps 💬 Comment “CREDIT” for free tips 📲 Subscribe for more credit education and real client results Follow our Facebook Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group: https://www.facebook.com/groups/113357348489166/ Instagram: https://www.instagram.com/stirgus_credit_repair/ Order our books: www.stirguscreditrepair.com/books Youtube Channel: https://www.youtube.com/channel/UC3nZSspf2jn1ZX65a-6u6rg Spotify: https://open.spotify.com/show/0C9pUEygDjsDZHy1WEeRMo Apple Podcasts: https://podcasts.apple.com/us/podcast/stirgus-credit-repair/id1612066520 Need Business Funding? https://stirguscreditrepair.com/businessfunding.html Want credit repair business mentorship? https://stirguscreditrepair.com/mentorship.html Want to partner with us? https://stirguscreditrepair.com/partners.html Want to join our podcast? https://stirguscreditrepair.com/podcast-credit-education.html Stirgus Credit Repair 📞 225-243-9700 ✉️ Info@stirguscreditrepair.com 🌐 www.stirguscreditrepair.com 📍 Po box 60190 Phoenix, Arizona 85082 🕒 Monday–Friday, 8:00 AM–4:00 PM MST #StirgusCreditRepair #ItPaysToHaveGoodCredit

    Credit Repair Business Owner Answers Your Top DMs & Comments

  3. Sep 2

    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 her from getting approved for housing, and how our credit repair service helped her dispute and remove the eviction. If you're searching how to remove eviction from your credit report or how to fix credit after an eviction, this story shows what's possible. 📌 Need help with your credit? Start your free trial online: www.StirgusCreditRepair.com 👍 Like this video if it helps 💬 Comment “CREDIT” for free tips 📲 Subscribe for more credit education and real client results Follow our Facebook Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group: https://www.facebook.com/groups/113357348489166/ Instagram: https://www.instagram.com/stirgus_credit_repair/ Order our books: www.stirguscreditrepair.com/books Youtube Channel: https://www.youtube.com/channel/UC3nZSspf2jn1ZX65a-6u6rg Spotify: https://open.spotify.com/show/0C9pUEygDjsDZHy1WEeRMo Apple Podcasts: https://podcasts.apple.com/us/podcast/stirgus-credit-repair/id1612066520 Need Business Funding? https://stirguscreditrepair.com/businessfunding.html Want credit repair business mentorship? https://stirguscreditrepair.com/mentorship.html Want to partner with us? https://stirguscreditrepair.com/partners.html Want to join our podcast? https://stirguscreditrepair.com/podcast-credit-education.html Stirgus Credit Repair 📞 225-243-9700 ✉️ Info@stirguscreditrepair.com 🌐 www.stirguscreditrepair.com 📍 Po box 60190 Phoenix, Arizona 85082 🕒 Monday–Friday, 8:00 AM–4:00 PM MST #StirgusCreditRepair #ItPaysToHaveGoodCredit

    She Was Homeless With an Eviction on Her Credit - Then We Fixed It

  4. Aug 28

    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 account. If you’re researching how to remove a charge-off, how to dispute a charge-off, credit repair, credit report disputes, or how to get inaccurate information removed from your credit report, this video breaks down the process from start to finish. In this video: How I identified the $4,800 charge-offWhat I reviewed on the client’s credit reportHow I determined what to disputeThe dispute process, step by stepWhat happened after the investigationThe result and what you should look for on your own credit report 📌 Need help with your credit? Start your free trial online: www.StirgusCreditRepair.com 👍 Like this video if it helps 💬 Comment “CREDIT” for free tips 📲 Subscribe for more credit education and real client results Follow our Facebook Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group: https://www.facebook.com/groups/113357348489166/ Instagram: https://www.instagram.com/stirgus_credit_repair/ Order our books: www.stirguscreditrepair.com/books Youtube Channel: https://www.youtube.com/channel/UC3nZSspf2jn1ZX65a-6u6rg Spotify: https://open.spotify.com/show/0C9pUEygDjsDZHy1WEeRMo Apple Podcasts: https://podcasts.apple.com/us/podcast/stirgus-credit-repair/id1612066520 Need Business Funding? https://stirguscreditrepair.com/businessfunding.html Want credit repair business mentorship? https://stirguscreditrepair.com/mentorship.html Want to partner with us? https://stirguscreditrepair.com/partners.html Want to join our podcast? https://stirguscreditrepair.com/podcast-credit-education.html Stirgus Credit Repair 📞 225-243-9700 ✉️ Info@stirguscreditrepair.com 🌐 www.stirguscreditrepair.com 📍 Po box 60190 Phoenix, Arizona 85082 🕒 Monday–Friday, 8:00 AM–4:00 PM MST #StirgusCreditRepair #ItPaysToHaveGoodCredit

    I Got a $4,800 Charge-Off DELETED From a Credit Report (Step-by-Step)

  5. Aug 20

    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 planning to reduce or potentially avoid student loan debt. We talk about scholarships, financial aid, college planning, student loans, and how avoiding unnecessary debt can help set students up for a stronger financial future. Learn more about college scholarships and planning with Shellee Howard and College Ready Plan. 📌 Need help with your credit? Start your free trial online: www.StirgusCreditRepair.com 👍 Like this video if it helps 💬 Comment “CREDIT” for free tips 📲 Subscribe for more credit education and real client results Follow our Facebook Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group: https://www.facebook.com/groups/113357348489166/ Instagram: https://www.instagram.com/stirgus_credit_repair/ Order our books: www.stirguscreditrepair.com/books Youtube Channel: https://www.youtube.com/channel/UC3nZSspf2jn1ZX65a-6u6rg Spotify: https://open.spotify.com/show/0C9pUEygDjsDZHy1WEeRMo Apple Podcasts: https://podcasts.apple.com/us/podcast/stirgus-credit-repair/id1612066520 Need Business Funding? https://stirguscreditrepair.com/businessfunding.html Want credit repair business mentorship? https://stirguscreditrepair.com/mentorship.html Want to partner with us? https://stirguscreditrepair.com/partners.html Want to join our podcast? https://stirguscreditrepair.com/podcast-credit-education.html Stirgus Credit Repair 📞 225-243-9700 ✉️ Info@stirguscreditrepair.com 🌐 www.stirguscreditrepair.com 📍 Po box 60190 Phoenix, Arizona 85082 🕒 Monday–Friday, 8:00 AM–4:00 PM MST #StirgusCreditRepair #ItPaysToHaveGoodCredit

    How to Pay for College Without Student Loan Debt | Scholarships & Credit planning

  6. Aug 13

    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 Podcast, Christopher Stirgus, owner of Stirgus Credit Repair, sits down with Austin Edwards, known as Austin the Mortgage Man, to break down the connection between your credit profile and buying a home. We discuss mortgage requirements, credit scores, common credit problems, loan types, and what prospective homebuyers should know BEFORE applying for a mortgage. If you're planning to buy a house, improve your credit, or prepare for a mortgage, this episode can help you understand what lenders are looking for. Subscribe for more conversations about credit repair, credit scores, mortgages, home buying, personal finance, and building better credit. 📌 Need help with your credit? Start your free trial online: www.StirgusCreditRepair.com 👍 Like this video if it helps 💬 Comment “CREDIT” for free tips 📲 Subscribe for more credit education and real client results Follow our Facebook Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group: https://www.facebook.com/groups/113357348489166/ Instagram: https://www.instagram.com/stirgus_credit_repair/ Order our books: www.stirguscreditrepair.com/books Youtube Channel: https://www.youtube.com/channel/UC3nZSspf2jn1ZX65a-6u6rg Spotify: https://open.spotify.com/show/0C9pUEygDjsDZHy1WEeRMo Apple Podcasts: https://podcasts.apple.com/us/podcast/stirgus-credit-repair/id1612066520 Need Business Funding? https://stirguscreditrepair.com/businessfunding.html Want credit repair business mentorship? https://stirguscreditrepair.com/mentorship.html Want to partner with us? https://stirguscreditrepair.com/partners.html Want to join our podcast? https://stirguscreditrepair.com/podcast-credit-education.html Stirgus Credit Repair 📞 225-243-9700 ✉️ Info@stirguscreditrepair.com 🌐 www.stirguscreditrepair.com 📍 Po box 60190 Phoenix, Arizona 85082 🕒 Monday–Friday, 8:00 AM–4:00 PM MST #StirgusCreditRepair #ItPaysToHaveGoodCredit

    Mortgage Requirements in 2026: Credit Score, Loan Types & What You Need to Buy a Home

  7. Aug 12

    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 Pays To Have Good Credit Podcast, Christopher Stirgus, owner of Stirgus Credit Repair, sits down with Austin Edwards, known as Austin the Mortgage Man, to discuss one of the most important credit questions for prospective homebuyers: Does it matter if a collection is paid or unpaid before buying a home? We discuss how collection accounts can impact the mortgage process, what lenders may look at, and why paying a collection isn't necessarily as simple as it sounds. Full episode released on August 13th 2026 at 5am (MST) 📌 Need help with your credit? Start your free trial online: www.StirgusCreditRepair.com 👍 Like this video if it helps 💬 Comment “CREDIT” for free tips 📲 Subscribe for more credit education and real client results Follow our Facebook Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group: https://www.facebook.com/groups/113357348489166/ Instagram: https://www.instagram.com/stirgus_credit_repair/ Order our books: www.stirguscreditrepair.com/books Youtube Channel: https://www.youtube.com/channel/UC3nZSspf2jn1ZX65a-6u6rg Spotify: https://open.spotify.com/show/0C9pUEygDjsDZHy1WEeRMo Apple Podcasts: https://podcasts.apple.com/us/podcast/stirgus-credit-repair/id1612066520 Need Business Funding? https://stirguscreditrepair.com/businessfunding.html Want credit repair business mentorship? https://stirguscreditrepair.com/mentorship.html Want to partner with us? https://stirguscreditrepair.com/partners.html Want to join our podcast? https://stirguscreditrepair.com/podcast-credit-education.html Stirgus Credit Repair 📞 225-243-9700 ✉️ Info@stirguscreditrepair.com 🌐 www.stirguscreditrepair.com 📍 Po box 60190 Phoenix, Arizona 85082 🕒 Monday–Friday, 8:00 AM–4:00 PM MST #StirgusCreditRepair #ItPaysToHaveGoodCredit

    Should You Pay Collections Before Buying a House? Mortgage & Credit Explained

  8. Aug 11

    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 the Mortgage Man, about one of the biggest mistakes homebuyers can make: becoming house poor by purchasing a home at the absolute maximum of their mortgage pre-approval. We break down what your mortgage pre-approval actually means, why being approved for more doesn't necessarily mean you can comfortably afford more, and how buying at your maximum approval amount can affect your finances after closing. We also discussed if Dave Ramsey advice on financing a home is still relevant in today's world. Full epsiode will be released on August 13th 2026 at 5am (MST) 📌 Need help with your credit? Start your free trial online: www.StirgusCreditRepair.com 👍 Like this video if it helps 💬 Comment “CREDIT” for free tips 📲 Subscribe for more credit education and real client results Follow our Facebook Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group: https://www.facebook.com/groups/113357348489166/ Instagram: https://www.instagram.com/stirgus_credit_repair/ Order our books: www.stirguscreditrepair.com/books Youtube Channel: https://www.youtube.com/channel/UC3nZSspf2jn1ZX65a-6u6rg Spotify: https://open.spotify.com/show/0C9pUEygDjsDZHy1WEeRMo Apple Podcasts: https://podcasts.apple.com/us/podcast/stirgus-credit-repair/id1612066520 Need Business Funding? https://stirguscreditrepair.com/businessfunding.html Want credit repair business mentorship? https://stirguscreditrepair.com/mentorship.html Want to partner with us? https://stirguscreditrepair.com/partners.html Want to join our podcast? https://stirguscreditrepair.com/podcast-credit-education.html Stirgus Credit Repair 📞 225-243-9700 ✉️ Info@stirguscreditrepair.com 🌐 www.stirguscreditrepair.com 📍 Po box 60190 Phoenix, Arizona 85082 🕒 Monday–Friday, 8:00 AM–4:00 PM MST #StirgusCreditRepair #ItPaysToHaveGoodCredit

    Don’t Become HOUSE POOR! Why Buying at Your Max Pre-Approval Can Hurt You
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About

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 Info@StirgusCreditRepair.com (225) 243-9700 🧠📚 Read our book to learn everything you need about credit: a.co/d/etR3Yti

Information

  • Creator
    Christopher Stirgus
  • Years Active
    2022 - 2026
  • Episodes
    295
  • Rating
    Clean
  • Copyright
    © Christopher Stirgus 2019
  • Show Website
    It Pays To Have Good Credit