Discussing mortgages, credit repa...

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

It Pays To Have Good Credit by Christopher Stirgus
Nov 30, 2025
01:11:06

Episode notes

👉 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!

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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

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