It Pays To Have Good 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 score: www.smartcredit.com/stirguscredit

📌 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

✉️ [email protected]

🌐 www.stirguscreditrepair.com

📍 Po box 60190 Phoenix, Arizona 85082

🕒 Monday–Friday, 8:00 AM–4:00 PM MST

#StirgusCreditRepair #ItPaysToHaveGoodCredit

👉 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 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

✉️ [email protected]

🌐 www.stirguscreditrepair.com

📍 Po box 60190 Phoenix, Arizona 85082

🕒 Monday–Friday, 8:00 AM–4:00 PM MST

#StirgusCreditRepair #ItPaysToHaveGoodCredit

👉 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, the Nov. 2, 2026 stop-collection deadline, and what to do if you had a car repossession with CAC. Plus what this means for credit report repair going forward.

Settlement basics: filed Sept. 17, 2026 by NY AG plus 39 other states and DC, covering about $634M in debt forgiveness plus $60M restitution. Qualifying loans started Nov. 1, 2015 to Nov. 30, 2025, were still open Dec. 1, 2025, and CAC must ask the bureaus to delete them.

📌 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

✉️ [email protected]

🌐 www.stirguscreditrepair.com

📍 Po box 60190 Phoenix, Arizona 85082

🕒 Monday–Friday, 8:00 AM–4:00 PM MST

#StirgusCreditRepair #ItPaysToHaveGoodCredit

👉 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

✉️ [email protected]

🌐 www.stirguscreditrepair.com

📍 Po box 60190 Phoenix, Arizona 85082

🕒 Monday–Friday, 8:00 AM–4:00 PM MST

#StirgusCreditRepair #ItPaysToHaveGoodCredit

👉 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

✉️ [email protected]

🌐 www.stirguscreditrepair.com

📍 Po box 60190 Phoenix, Arizona 85082

🕒 Monday–Friday, 8:00 AM–4:00 PM MST

#StirgusCreditRepair #ItPaysToHaveGoodCredit

👉 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

✉️ [email protected]

🌐 www.stirguscreditrepair.com

📍 Po box 60190 Phoenix, Arizona 85082

🕒 Monday–Friday, 8:00 AM–4:00 PM MST

#StirgusCreditRepair #ItPaysToHaveGoodCredit

👉 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-off
• What I reviewed on the client’s credit report
• How I determined what to dispute
• The dispute process, step by step
• What happened after the investigation
• The 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

✉️ [email protected]

🌐 www.stirguscreditrepair.com

📍 Po box 60190 Phoenix, Arizona 85082

🕒 Monday–Friday, 8:00 AM–4:00 PM MST

#StirgusCreditRepair #ItPaysToHaveGoodCredit

👉 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

✉️ [email protected]

🌐 www.stirguscreditrepair.com

📍 Po box 60190 Phoenix, Arizona 85082

🕒 Monday–Friday, 8:00 AM–4:00 PM MST

#StirgusCreditRepair #ItPaysToHaveGoodCredit

👉 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

✉️ [email protected]

🌐 www.stirguscreditrepair.com

📍 Po box 60190 Phoenix, Arizona 85082

🕒 Monday–Friday, 8:00 AM–4:00 PM MST

#StirgusCreditRepair #ItPaysToHaveGoodCredit

👉 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

✉️ [email protected]

🌐 www.stirguscreditrepair.com

📍 Po box 60190 Phoenix, Arizona 85082

🕒 Monday–Friday, 8:00 AM–4:00 PM MST

#StirgusCreditRepair #ItPaysToHaveGoodCredit