Christopher Stirgus
It Pays To Have Good Credit
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 channel to learn everything you need to know about credit, business and many other financial topics! 💰📊📈 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 every...
Author
Christopher Stirgus
Category
Podcast website
Latest episode
Jul 9, 2026
Where to listen?
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Episodes
Credit Repair Laws EXPLAINED: CROA & TSR (FT James Joseph, MBA) 27.11.2025 8:47
👉 In this video you’ll learn: Christopher Stirgus (owner of Stirgus Credit Repair) and James Joseph, MBA (owner of Better Credit For You) discuss some of the laws credit repair organizations must follow. They discussed CROA, which is Credit Repair Organizations Act and TSR, which is Telemarketing Sales Rule. If you are freshly starting your credit repair business, it is important to tune in to th...
Thoughts on a 50-year mortgage (FT James Joseph, MBA) 26.11.2025 10:36
👉 In this video you’ll learn: James Joseph and Christopher Stirgus share their opinions on the idea of having a 50iyear mortgage. There seem to be a lot of ideas floating around, to help home buyers afford homes easier, but some may make things worse. They also share opinions on the average 6-7% interest rate on mortgages today. Some may wonder if they should wait for mortgage rates to go down or...
No credit score needed for a mortgage? (FT James Joseph, MBA) 25.11.2025 13:21
👉 In this video you’ll learn: James Joseph, MBA (owner of Better Credit For You) gets invited on the It Pays To Have Good Credit podcast. James and Christopher Stirgus share opinions on Fannie Mae, removing their minimum credit score requirement. Tune in to this episode and find out if this is completely true, or just another misleading topic in the financial industry. 📌 Need help with your cred...
What Changed in 30 Days? Real Client Credit Results | Stirgus Credit Repair 21.11.2025 6:12
In this video, we break down the real credit repair results Stirgus Credit Repair achieved for new clients over the last 30 days. You’ll see actual before-and-after updates, deleted accounts, score changes, and the steps we take to challenge inaccurate or outdated information on credit reports. Whether you're dealing with collections, late payments, charge-offs, medical bills, or reporting errors,...
620 minimum credit score is ELIMINATED for home buying! 07.11.2025 14:53
Starting November 16th, 2025- Fannie Mae will no longer require their 620 credit score minimum to be an approving factor. Although this may excite some, it may be a bit misleading... Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Facebook Business Page: https://www.facebook.com/StirgusCreditRepair/ Join our Fa...
Why your credit score randomly dropped!? (5 reasons) 07.11.2025 6:43
Ever noticed your credit score dropped for no reason? You may feel defeated and annoyed! In this episode, we'll discuss why this happened! Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Facebook Business Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group Community: https://www.facebook...
How to build credit as a student in college (4 quick tips!) 28.10.2025 8:10
Building credit as a student in college and receiving accurate credit education, is extremely important. This allows you to get a head start on tackling your biggest expense, as an adult-which is purchasing a home in your 20's, so hopefully you will not have a mortgage in your 40's. Without a monthly rent or mortgage, your cash flow for actual investments can build much faster! Website: www. Stirg...
Can AGE, GENDER, OR RACE affect credit scores? 24.10.2025 17:02
We hear tons of conversations and reasons for the credit score people have. Some reasons are extremely wild, and others may be due to their financial planning. Let's find out if some of these reasons affect anything! #education #rumors #finance #fypシ Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Facebook Bus...
Government shut down FIXES bad credit! (REACTION) 24.10.2025 6:56
After several emails and messages about "fixing bad credit", due to the government being shut down, I decided to log into TikTok and watch so much wrong information being blasted all over the internet. Sadly, there are so many people believing the false rumors! Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Fa...
This credit card paid me $200 in 72 hours! (For FREE with no debt or interest) 21.10.2025 8:57
It pays to have good credit- LITERALLY....I used a new card offer to make 3 of my home utility bills and I earned over $200 FOR FREE, within 72 hours. These were bills I had to pay regardless and It was a no brainer to make a free $200 in a day, which could be thrown into a savings account or investment account, to make even more money! #creditcards #finance #money #crediteducation Website: www. S...
Are credit scores a major factor when dating? 20.10.2025 11:32
In this episode, we'll discuss the statistics of those who prefer to choose a partner with good credit and those who feel it doesn't matter. Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Facebook Business Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group Community: https://www.facebo...
Is having good credit important? Is it really needed!? 17.10.2025 22:53
The debate between having good credit vs not using credit has always been a tough topic. In this episode, we'll discuss benefits of both! Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Facebook Business Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group Community: https://www.facebook....
Should you buy a home in 2025 or wait? 16.10.2025 10:09
The decision to buy a home in 2025 is a tough one to make in America. Inflation has everyone stressed and it's difficult for most people to make big financial decisions today. This episode may help someone who's wondering if they should buy a home right now! Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Faceb...
Using a loan to pay off credit card debt (GOOD OR BAD?) 16.10.2025 10:53
America is over $1 trillion in consumer credit card debt. Many are struggling to pay off their balances and came across the idea to pay off credit card balances with.......another debt. Find out in this episode, if this is a good or bad idea! Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Facebook Business Pag...
Best app to track credit scores! Why are the scores different!? 14.10.2025 14:17
We hear it daily....You reviewed your credit score on an app, then applied for financing and the score was completely different. This is super frustrating, and this episode will help you understand why you're experiencing different scores. Most importantly, you'll learn which app is best to track scores and monitor your credit history! Website: www. StirgusCreditRepair.com Email: Info@StirgusCredi...
Ways we receive our credit repair results! 13.10.2025 22:41
There're many people in the credit repair industry, who claims to do so many magic tricks, but can they actually prove it? Tune in to this episode and see how we get our results, in real time! Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Facebook Business Page: https://www.facebook.com/StirgusCreditRepair/ J...
Capital one (Discover Network) DECLINING TRANSACTIONS! 10.10.2025 6:27
Recently, Capital One switched from Mastercard to Discover Network. Since then, many consumers have been complaining about their new Capital One card not being accepted in certain places or frustrated because their card is declining many of their transactions. Tune in to this episode to understand why! Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.s...
Should you finance a vehicle? (pros and cons, based on different situations) 09.10.2025 22:11
In this episode, we'll share a common topic about methods to buy a vehicle, based on different situations! Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Facebook Business Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group Community: https://www.facebook.com/groups/113357348489166/ Ins...
3 things that can quickly boost your credit scores for home buying! 08.10.2025 13:14
Thinking on buying a home soon, but need a plan to quickly turn your credit scores around within the next 30 days? If so, this episode is for you! Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Facebook Business Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group Community: https://www....
What to do if you miss a payment? (Late payment options) 07.10.2025 17:07
1 in every 5 people are behind on payments in America. That's 20% of consumers, who are constantly adding late payment remarks to their credit reports and damaging their credit scores. This episode goes over a few options people can try, to improve their credit scores after missing a payment! Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscred...
The TRAP behind business funding 07.10.2025 21:02
Almost every new business owner is wondering "How can I get funding for my business?" Although this sounds interesting, it can also hurt your business (and cash flow), more than help! Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Facebook Business Page: https://www.facebook.com/StirgusCreditRepair/ Join our F...
Testing CARMAX's 10 day return policy! (Extended test drive/rental, by having good credit) 03.10.2025 23:14
In this episode, we tested CARMAX and their 10 day return policy. An online application was submitted and everything done online. After picking up the car in person, the thought of wondering if CARMAX will truly cancel the purchase within 10 days, started to kick in......Watch to the end, to see what happens and a breakdown of the overall experience! Website: www. StirgusCreditRepair.com Email: In...
Upset, because you find out there are different versions of credit scores.... 23.06.2025 9:11
We hear it DAILY! You checked your credit score on an app or a previous application, but it was completely different when you checked it somewhere else. Before you get upset, learn how these are calculated and why! Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Facebook Business Page: https://www.facebook.com/...
BIGGEST MISUNDERSTANDING with credit repair! 18.06.2025 7:56
Can ANY AND EVERYTHING be deleted from credit reports!? Tune in to this episode to understand the truth! Website: www. StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Facebook Business Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group Community: https://www.facebook.com/groups/113357348489166/ Insta...
How Christopher Stirgus started his credit repair company and maintained compliance from day 1! 07.06.2025 27:03
Christopher Stirgus (owner of Stirgus Credit Repair) was invited to a podcast with Daniel Rosen (owner of the Credit Repair Cloud software) and gave a background story on how he started his credit repair business, followed all rules and regulations, plus tips for those who are wanting to get into the credit repair industry! Tune in and listen to this great episode! Original version of this episode...
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