It Pays To Have Good Credit

It Pays To Have Good Credit

di Christopher Stirgus
ImprenditoriaMiglioramento personale

Discussing mortgages, credit repair laws, myths and more! (FT James Joseph, MBA)

👉 In this video you’ll learn: Christopher Stirgus (owner of Stirgus Credit Repair) invited James Joseph, MBA (owner of Better Credit For You) on the It Pays To Have Good Credit podcast, and discussed several topics surrounding the credit repair industry, home buying, and many other personal finance topics. This 1 hour episode shares some amazing information for those who are trying to start their own credit repair business. There's also helpful topics for those who are in the market to buy a home! Tune in and take in some wonderful credit education! 📌 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 📲 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 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 0:00 - Intro 0:10 - Introducing James Joseph 6:35 - Fannie Mae removes minimum credit score requirement from mortgage applications 13:17 - 50-year mortgage term idea to help with home affordability 19:36 - Mortgage rates in 2025 and 2026 23:15 - CROA & TSR laws for credit repair organizations 31:31 - Real credit repair services vs myths 47:28 - Finding your right clientele in credit repair 1:00:53 - Avoid contacting wrong affiliates #StirgusCreditRepair #ItPaysToHaveGoodCredit
30 nov 2025
1:11:06

Avoid contacting the WRONG affiliates for credit repair (FT James Joseph, MBA)

👉 In this video you’ll learn: Christopher Stirgus (Owner of Stirgus Credit Repair) shares his "off-guard" moments, when certain mortgage and realtor professionals around the Phoenix, AZ area, responded to their affiliate proposals. Growing your credit repair business is all about networking and meeting the right affiliates to build a referral relationship. Tune in and take notes from Christopher Stirgus and James Joseph. This is a great conversation and feedback on reaching out to the right affiliate, and which ones to avoid! 📌 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 📲 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 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 0:00 - Intro 0:32 - Ways to get leads in the credit repair industry 0:44 - Best source for leads 2:07 - Attempting to contact affiliates 2:45 - Rude responses from affiliates 4:20 - Stirgus Credit Repair's goal for partnering with local affiliates 5:03 - Bad credit "gurus" ruin it for us all 5:40 - Some loan officers and realtors only work with qualified clientele 8:00 - Having mortgage and realtors as clients and asking for help 8:55 - Humor on high end realtors #StirgusCreditRepair #ItPaysToHaveGoodCredit
29 nov 2025
10:25

Finding the RIGHT clientele for your credit repair business (FT James Joseph, MBA)

👉 In this video you’ll learn: When starting a credit repair business, it's important to KNOW who you wish to market and advertise to. Knowing which clientele to attract, will help grow your credit repair business FAST! Christopher Stirgus (owner of Stirgus Credit Repair) and James Joseph (Owner of Better Credit For You), explain why it's extremely important to know who your clientele is! 📌 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 📲 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 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 0:00 - Intro 0:47 - So many consumers need credit repair help 1:05 - Finding your type of clientele 6:43 - Customers hiring multiple credit repair companies over and over #StirgusCreditRepair #ItPaysToHaveGoodCredit
29 nov 2025
14:42

Credit Repair: Truth vs Myth (FT James Joseph, MBA)

👉 In this video you’ll learn: The credit repair industry is full of misleading claims, by those who may not gotten a full credit repair training or experience. Christopher Stirgus, who owns Stirgus Credit Repair and James Joseph; will share helpful tips on how to identify real credit repair companies, and also share DIY credit repair options, along with sharing their opinions on AI credit repair tools. 📌 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 📲 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 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 0:00 - Intro 0:44 - So many misleading videos online 1:30 - Examples of misleading myths 4:41 - Opinion on credit repair myths 6:10 - Does "fake" credit advice videos hurt the credit industry 7:50 - Do It Yourself Credit Repair 11:52 - Opinion on AI credit repair assistance #StirgusCreditRepair #ItPaysToHaveGoodCredit
28 nov 2025
15:31

Credit Repair Laws EXPLAINED: CROA & TSR (FT James Joseph, MBA)

👉 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 this episode, and ensure you are fully aware and in compliance with the laws we must follow! 📌 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 📲 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 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 0:00 - Intro 1:11 - Credit Repair Organizations Act 3:55 - Telemarketing Sales Rule 5:01 - Opinions on CROA & TSR laws 7:19 - Some companies not following laws #StirgusCreditRepair #ItPaysToHaveGoodCredit
27 nov 2025
8:47

Thoughts on a 50-year mortgage (FT James Joseph, MBA)

👉 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 waiting for the "real estate market to crash". Others believe nothing will change, and it's best to get a head start on home ownership now! 📌 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 📲 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 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 0:00 - Intro 0:25 - Idea of 50-year mortgage 7:00 - Interest rates affecting home affordability #StirgusCreditRepair #ItPaysToHaveGoodCredit
26 nov 2025
10:36

No credit score needed for a mortgage? (FT James Joseph, MBA)

👉 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 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 📲 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 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 0:00 - Intro 0:52 - Who is James Joseph, MBA (owner of Better Credit For You) 5:51 - Fannie Mae removes minimum credit score 7:30 - Opinions on this topic #StirgusCreditRepair #ItPaysToHaveGoodCredit
25 nov 2025
13:21

What Changed in 30 Days? Real Client Credit Results | Stirgus Credit Repair

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, these real examples show what can happen when your credit is reviewed and disputed properly under the FCRA. 👉 In this video you’ll learn: • What changed on our clients’ reports in the last 30 days • Which negative items were removed or updated • How the dispute process works • Why every credit report reacts differently • Tips to improve your own credit the right way If you’re looking to fix your credit, rebuild your score, or understand how credit repair works, this video 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: Info@StirgusCreditRepair.com www.StirgusCreditRepair.com 👍 Like this video if it helps 💬 Comment “CREDIT” for free tips 📲 Subscribe for more credit education and real client results 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/ Instagram: https://www.instagram.com/stirgus_credit_repair/ 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 GooglePodcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9tZWRpYS5yc3MuY29tL3N0aXJndXNjcmVkaXRyZXBhaXIvZmVlZC54bWw Want credit repair mentorship? https://stirguscreditrepair.com/mentorship.html
21 nov 2025
6:12

620 minimum credit score is ELIMINATED for home buying!

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 Facebook Group Community: https://www.facebook.com/groups/113357348489166/ Instagram: https://www.instagram.com/stirgus_credit_repair/ 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 GooglePodcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9tZWRpYS5yc3MuY29tL3N0aXJndXNjcmVkaXRyZXBhaXIvZmVlZC54bWw Want credit repair mentorship? https://stirguscreditrepair.com/mentorship.html #mortgage #creditscore #homebuying #fanniemae #news
7 nov 2025
14:53

Why your credit score randomly dropped!? (5 reasons)

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.com/groups/113357348489166/ Instagram: https://www.instagram.com/stirgus_credit_repair/ 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 GooglePodcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9tZWRpYS5yc3MuY29tL3N0aXJndXNjcmVkaXRyZXBhaXIvZmVlZC54bWw Want credit repair mentorship? https://stirguscreditrepair.com/mentorship.html #creditscores #creditscoredrop #finance #creditreport
7 nov 2025
6:43
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