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.comInfo@StirgusCreditRepair.com (225) 243-9700🧠📚 Read our book to learn everything you need about credit: a.co/d/
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 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 of experience in the mortgage industry, Phil Ganz has helped thousands of famil...
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 podcast and we went over all the questions we hear on a daily basis! With over 26 years of experience in the mortgage industry, Phil Ganz has helped thousands of families achieve the dream of homeownership with clarity, confidence, and care. As President of Ne...
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 of experience in the mortgage industry, Phil Ganz has helped thousands of families achieve the dream of homeownership with clarity, confidence, and care. As President of Next Wave Mortgage, he leads a dedicated team committed to fast turn times, transparent guidance, and h...
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 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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your f...
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 your credit, rebuild your score, or understand how credit repair works, this episode will help you see what’s possible through proper credit education and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online...
How did Americans get in so much debt!?
👉 In this video you’ll learn: Attorney William Mitchell and Christopher Stirgus had a conversation on the amount of credit card debt Americans have. Attorney Mitchell has helped many consumers eliminate and get out of those bad debt situation. Full episode will be released on March 27, 2026 7am MST.
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start you...
Renting vs Owning: The $600k interest question!
👉 In this video you’ll learn: The math behind renting vs owning a home. We'll discuss all costs associated with renting a home and buying a home. This episode may actually surprise you...
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusCreditRepair.com
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Collection account reappeared on your credit report? Here's why.
👉 In this video you’ll learn: Why an item that was deleted off your credit report is now reappearing. Many consumers give up or become frustrated, without fully understand why this is happening to their credit reports and how to fix it!
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@Stirgus...
First-Time Home Buyer Q&A | Credit Score, Realtor vs Lender & New Build vs Resale (FT Jamie Owen)
👉 In this video you’ll learn: Thinking about buying your first home? In this episode, I sit down with a professional realtor to answer the most common first-time home buyer questions.
We cover:
What credit score you really need to buy a homeShould you contact a realtor or loan officer first?New build vs resale home — pros and consWhat most first-time buyers get wrongTips to make your first purchase smootherIf you're planning to buy in 2026 (or just starting to think about it), this conversation will save you time, stress, and money.
If you’re...
What is the ideal credit score needed to buy a home in 2026? (FT Jamie Owen)
👉 In this video you’ll learn: Realtor Jamie Owen here in the Phoenix AZ valley, gives her opinion on ideal credit scores needed to buy a home in 2026. Tune in and take notes for this one!
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusCreditRepair.com
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Should you contact a realtor or mortgage lender first? (FT Jamie Owen)
👉 In this video you’ll learn: This episode will discuss the starting stage of home buying and who to contact first! Some consumers with great credit scores may decide to contact a realtor, while others with challenging credit history may decide to contact a mortgage lender first. Tune in and learn what's actually the pro's and con's of both!
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 and legal dispute methods.
📌 Need help with your cr...
How to Build Credit as a Teen or Young Adult (3 Simple Steps That Work)
👉 In this video you’ll learn: Want to build credit at 18 or teach your teenager how to build credit the right way? In this episode, I break down 3 simple steps every young adult should follow to start building credit fast and avoid costly mistakes.
Whether you're a first-time credit card user, college student, or a parent helping your teen prepare for adulthood, these credit building tips will set you up for long-term financial success.
If you’re looking to fix your credit, rebuild your score, or understand how credit repair works, this episode will help you see...
STOP Getting Denied! 4 Credit Card Approval Hacks Banks Don’t Tell You
👉 In this video you’ll learn: If you want guaranteed credit card approvals, here are 4 proven tips to improve your odds and get approved fast! Many consumers (even with great credit) get denied for credit cards and become shocked when they find out. This episode will clear up all credit card misunderstandings and increase your credit card approval odds to the MAX!
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 and legal dispute methods.
📌 Need...
How to GUARANTEE Car Loan Approval in 2026 (Don’t Apply Without Watching!)
👉 In this video you’ll learn: 5 proven tips to ensure you're guaranteed a car loan approval! Many people apply for auto loans at car dealerships, not knowing if they'll be approved or denied. In this episode, you'll discover every possible area to ensure you know if you're approved for an auto loan before the bank does!
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 and legal dispute methods.
📌 Need help with your credit? Contact Stir...
Credit & Tax secrets: Using credit to lower tax bill, business tips, money hacks. (Ft Rondi Lambeth)
👉 In this video you’ll learn: Rondi Lambeth and Christopher Stirgus discuss tons of helpful topics on credit and taxes. This entire episode shares helpful ways to save on your tax bill, using credit!
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusCreditRepair.com
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How to use credit to lower tax bill! (Ft Rondi Lambeth)
👉 In this video you’ll learn: Tax professional Rondi Lambeth and Christopher Stirgus discuss ways wealthy people use credit to avoid taxes!
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusCreditRepair.com
👍 Like this video if it helps 💬 Comment “CREDIT” for free tips
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Credit Redlining? History of discrimination to keep blacks out of white neighborhoods!
👉 In this video you’ll learn: Tax professional Rondi Lambeth, talks to Christopher Stirgus about "credit redlining", a history of discriminatory practices used to deny mortgage applications to certain groups of people.
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusCreditRepair.com
👍 Like this video if it hel...
Serial entrepreneur shares why credit is needed to grow a business! (Ft Peter Burns III)
👉 In this video you’ll learn: Peter Burns III with Burns Funding, shares his experience with helping tons of businesses get the #1 tool they need to grow their business: MONEY!
0:00 Intro
0:12 Greeting Peter Burns III from Burns Funding
8:00 Christopher Stirgus journey using personal funding to start Stirgus Credit Repair
25:45 What is the perfect business for funding
36:00 How much capital can a business apply for
40:40 Different types of funding
44:10 Bad people in the credit & funding industries
46:05 Are there actual 0% APR options for businesses
If...
How much money can your business get? (Ft Peter Burns III)
👉 In this video you’ll learn: Peter Burns III with Burns Funding explains the process for business owners receiving funding. Full episode will release on 2/11/26 at 6am MST.
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusCreditRepair.com
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Is there really 0% APR business funding!? (Ft Peter Burns III)
👉 In this video you’ll learn: The first question we hear from people is, "are there 0% funding options for businesses?" Well, in this episode, I asked the guy who's in charge at Burns Funding!
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusCreditRepair.com
👍 Like this video...
A "4" credit score, what does this mean?
👉 In this video you’ll learn: What a 4 credit score means. Many people laugh, thinking its a low or horrible credit score, but don't fully understand the meaning behind this.
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusCreditRepair.com
👍 Like this video if it helps 💬 Comm...
What is business funding and how to get it? (Ft. Oz Konar)
👉 In this video you’ll learn: Oz Konar and his team at Business Lending Blueprint (BLB) reached out to Christopher Stirgus, to go over how business funding works, funding amounts for both startup and established businesses, things lenders look for, and all other funding options or requirements! Tune in to this episode and learn what Oz Konar has to offer!
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 and legal dispute methods.
📌 Need help with yo...
Types of business funding (Ft Oz Konan)
👉 In this video you’ll learn: Full episode drops 2/6/26 at 5pm MST. This short clip goes over the different types of business funding, answer by the direct source, Oz Konan with Business Lending Blueprint (BLB).
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusCreditRepair.com
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How to get a 700+ credit score FAST in 2026!
👉 In this video you’ll learn: All necessary credit tips to achieve a 700+ credit score! This episode goes over credit cards, negative accounts, hard inquiries and much more.
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusCreditRepair.com
👍 Like this video if it helps 💬 Comment “CREDIT” f...
Business funding requirements for approval (Ft Oz Konan)
👉 In this video you’ll learn: Full episode drops on 2/6/26 at 5pm MST. This short clip goes over the requirments needed for business funding, as far as minimum credit scores, bank statements and whatever else you may expect. We asked the direct source, Oz Konan with Business Lending Blueprint (BLB).
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evalu...
0 VS 850 CREDIT SCORE!
👉 In this video you’ll learn: How credit scores are calculated, especially those who have zero credit and those who have perfect credit!
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusCreditRepair.com
👍 Like this video if it helps 💬 Comment “CREDIT” for free tips
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3 Credit Tips to GUARANTEE Home Approval in 2026!
👉 In this video you’ll learn: 3 credit tips to ensure you automatically get approved for a home this year!
0:00 Intro
0:18 First tip
4:02 Second tip
8:10 Third tip
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusCreditRepair.com
👍 Like this video...
Donald Trump | Credit card rates are still over 20% APR
👉 In this video you’ll learn: We discuss Donald Trump's claim to CAP credit card interest rates at 10% APR. A few weeks ago, Trump claimed by January 20th 2026, Americans will no longer pay high interest on credit card balances. Well.....here we are 2 days after, and credit card rates are still over 20% APR. What are your thoughts on this?
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 and legal dispute methods.
📌 Need help with your cr...
Calling a credit repair company who violated CROA
👉 In this video you’ll learn: Christopher Stirgus had someone reach out, asking if a company has the right to charge $1,700 upfront. He stated he was told to put his card on file (over the phone) and was eventually told it would cost $1,700 to fix everything on his credit within 30 days. This sounded very unlikely from a MAJOR credit repair firm, so we put them to the test with compliance.
0:00 Intro
0:21 Details of the situation
0:40 Call begins
7:05 My overall take on this company
If you’re look...
Selling your home without a realtor (FT Tim Street)
👉 In this video you’ll learn: Christopher Stirgus and Tim Street (FoolProof FSBO) share their opinions on listing homes for sale, and benefits of doing for sale by owner listings (FSBO). Tim Street is a Marine veteran and real estate entrepreneur known for creating FoolProof FSBO, a system and platform designed to help homeowners sell their properties themselves (For Sale By Owner) and avoid traditional agent commissions, saving them significant equity. He provides education, tools, and strategies through podcasts (like The FoolProof FSBO Podcast), social media, and free resources, empowering sellers with the knowledge to manage the sales process confi...
How to sell your home with NO realtors involved (FT Tim Street)
👉 In this video you’ll learn: We understand we can sell our homes "FSBO" with no listing agent involved, but what about on the buyer's end? Tune in and learn how to find buyers without a buyer's agent involved!
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusC...
When to fire your realtor? (FT Tim Street)
👉 In this video you’ll learn: Do you feel your realtor isn't following up or being helpful? Tim Street has some helpful tips on when you should fire your realtor, and how to sell your home on your own!
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusC...
How to calculate listing price for your home (FT Tim Street)
👉 In this video you’ll learn: Are you selling a home soon? Tune in to this episode and listen to how Christopher Stirgus & Tim Street advises you to calculate an accurate listing price!
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusCreditRepair.com
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Realtor proves you're brainwashed to hire a realtor (FT Tim Street)
👉 In this video you’ll learn: When it comes to buying or selling a home, do you automatically assume you need a realtor? Maybe we're brainwashed to think like this. Tune in to this episode with Christopher Stirgus and Tim Street!
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCredi...
Realtors avoiding FSBO or low commission listings (FT Tim Street)
👉 In this video you’ll learn: Is it true some realtors will AVOID showing their clients a listing, if the seller is lisitng it themselves or offering a low commission? Tune in to this episode, you may be shocked!
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusC...
Hiring a realtor vs Listing yourself (FT Tim Street)
👉 In this video you’ll learn: Christopher Stirgus and Tim Street discuss fees associated when using a realtor to sell a home. Listen up to Tim's opinion on using a realtor vs selling on your own. We shared opinions on flat rate realtors, 3% commission realtors, and FSBO options.
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start you...
Saving thousands in home selling fees (FT Tim Street)
👉 In this video you’ll learn: Tim Street introduces himself and share benefits of selling your home, without a realtor! Tim and Christopher Stirgus discuss personal experiences with their home selling moments. Full episode releases on 1/19/2026
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Credit Repair for a credit evaluation or start your free trial online: Info@StirgusCreditRepair.com | www.StirgusCreditRepair.com
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Donald Trump plans to CAP credit cards APR to 10%
👉 In this video you’ll learn: Donald Trump plans to cap credit card companies at a 10% APR. Currenty, interest rates on credit cards are between 20-30%. The average household credit card debt is over $10,000 and can take 15-20 years to pay off at the minimum payment. Listen up to this episode and see what's planned for 2026!
0:00 -Intro
0:34 -Donald Trump's announcement
1:10 -People still mad at the idea
2:15 -How this idea can save you a lot of money
3:33 -Donald Trump's ideal timeframe
4:00 -Potential risk of this idea
6:15 -How...
Calling misleading credit ads LIVE: CREDIT SWEEPERS EXPOSED!
👉 In this video you’ll learn: I hear so many disaster stories from clients, who ran into online scams when searching for a reliable credit repair service. I decided to put myself in our client's shoes and search for these misleading "credit sweep" ads online. I then decided to call these people and I was SHOCKED from these calls!
0:00 Intro
0:06 My reasoning for doing this
0:28 Call 1
9:53 Call 2
16:06 Call 3
If you’re looking to fix your credit, rebuild your score, or understand how credit repair works, this ep...
Discussing home buying, bad debts, & credit repair (FT. Tiron Riley)
👉 In this video you’ll learn: Christopher Stirgus discuss interesting topics with Tiron Riley (owner of Solid Foundation Finances). This 1 hour episode shares helpful advice and opinions on the home buying process, mortgage terms, bad things to use credit for, misleading and fake credit repair gurus, debunking fast credit repair myths, and so much more!
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 and legal dispute methods.
📌 Need help with your credit? Contact Stirgus Cred...
