It Pays To Have Good Credit

It Pays To Have Good Credit

by Christopher Stirgus
EntrepreneurshipSelf-Improvement
How to Pay for College Without Student Loan Debt | Scholarships & Credit planning
👉 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 ✉️ Info@stirguscreditrepair.com 🌐 www.stirguscreditrepair.com 📍 Po box 60190 Phoenix, Arizona 85082 🕒 Monday–Friday, 8:00 AM–4:00 PM MST #StirgusCreditRepair #ItPaysToHaveGoodCredit
Aug 20, 2026
43:29
Mortgage Requirements in 2026: Credit Score, Loan Types & What You Need to Buy a Home
👉 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 ✉️ Info@stirguscreditrepair.com 🌐 www.stirguscreditrepair.com 📍 Po box 60190 Phoenix, Arizona 85082 🕒 Monday–Friday, 8:00 AM–4:00 PM MST #StirgusCreditRepair #ItPaysToHaveGoodCredit
Aug 13, 2026
48:57
Should You Pay Collections Before Buying a House? Mortgage & Credit Explained
👉 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 ✉️ Info@stirguscreditrepair.com 🌐 www.stirguscreditrepair.com 📍 Po box 60190 Phoenix, Arizona 85082 🕒 Monday–Friday, 8:00 AM–4:00 PM MST #StirgusCreditRepair #ItPaysToHaveGoodCredit
Aug 12, 2026
4:29
Don’t Become HOUSE POOR! Why Buying at Your Max Pre-Approval Can Hurt You
👉 In this episode you’ll learn: Just because a lender approves you for a certain amount doesn't mean you should spend that much on a house. In this episode of the It Pays To Have Good Credit Podcast, Christopher Stirgus, owner of Stirgus Credit Repair, talks with Austin Edwards, known as Austin the Mortgage Man, about one of the biggest mistakes homebuyers can make: becoming house poor by purchasing a home at the absolute maximum of their mortgage pre-approval. We break down what your mortgage pre-approval actually means, why being approved for more doesn't necessarily mean you can comfortably afford more, and how buying at your maximum approval amount can affect your finances after closing. We also discussed if Dave Ramsey advice on financing a home is still relevant in today's world. Full epsiode will be 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 ✉️ Info@stirguscreditrepair.com 🌐 www.stirguscreditrepair.com 📍 Po box 60190 Phoenix, Arizona 85082 🕒 Monday–Friday, 8:00 AM–4:00 PM MST #StirgusCreditRepair #ItPaysToHaveGoodCredit
Aug 11, 2026
8:21
Business Funding Explained: Requirements, Loan Amounts & How to Qualify
👉 In this episode you’ll learn: If you're looking for business funding to grow your company, this episode breaks down everything you need to know before applying. In this episode, we cover: Business funding requirements How much funding businesses may qualify for What lenders look for during the approval process Common reasons applications are declined Tips to improve your chances of getting approved Whether you're looking to expand your business, purchase equipment, increase inventory, hire employees, or improve cash flow, understanding the funding process can help you make informed decisions. 📌 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 ✉️ Info@stirguscreditrepair.com 🌐 www.stirguscreditrepair.com 📍 Po box 60190 Phoenix, Arizona 85082 🕒 Monday–Friday, 8:00 AM–4:00 PM MST #StirgusCreditRepair #ItPaysToHaveGoodCredit
Aug 4, 2026
9:47
CareCredit's 0% Interest Isn't What You Think...
👉 In this episode you’ll learn: You ever applied for a CareCredit card to finance a medical treatment at 0% APR? Or have you already opened the account and realized your balance increased by a lot? Tune in to this episode as Christopher Stirgus explains exactly what happened... 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 📲 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 #StirgusCreditRepair #ItPaysToHaveGoodCredit Christopher Stirgus
Jul 29, 2026
7:25
I Bought My First House as a W2 Employee — Then Bought in Arizona as a Business Owner
👉 In this episode you’ll learn: Christopher Stirgus shares his story on his home buying experience in Louisiana when he was a w-2 employee at a car dealership, and his experience buying a home as a business owner in Arizona. Although being approved both times, these were completely different buying experiences. 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 📲 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 #StirgusCreditRepair #ItPaysToHaveGoodCredit
Jul 24, 2026
16:15
Car Buying Using Credit (FT Ron Monaco)
👉 In this episode you’ll learn: Christopher Stirgus and Ron Monaco both were in the auto finance industry, before each starting their own credit repair businesses. Chris and Ron shared tips such as minimum credit score needed to finance a vehicle, no credit vs bad credit when car buying, should buyers use a credit union or dealership lenders for financing and much more! Tune in to this episode and be ready to take notes! 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 📲 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 #StirgusCreditRepair #ItPaysToHaveGoodCredit
Jul 17, 2026
1:06:04
Debunking Auto Financing MYTHS! (FT Ron Monaco)
👉 In this episode you’ll learn: Christopher Stirgus and Ron Monaco discuss common myths they hear all the time, relating to auto financing or car buying in general. This short version will cover pros and cons of financing through a dealership vs using your own bank, letting multiple dealerships run your credit (in hopes to increase approval chances) and more! Full episode will be available on our platform on July 17, 2026 at 12pm (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 👍 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 #StirgusCreditRepair #ItPaysToHaveGoodCredit
Jul 16, 2026
15:09
NO CREDIT VS BAD CREDIT: Who's approved? (FT Ron Monaco)
👉 In this episode you’ll learn: Christopher Stirgus and Ron Monaco discussed the approval odds when applying for auto financing with no credit and also with bad credit. Tune in to this short version of this episode, as the full episode will be released on July 17, 2026 at 12pm (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 👍 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 #StirgusCreditRepair #ItPaysToHaveGoodCredit
Jul 15, 2026
9:33
1 of 30