It Pays To Have Good Credit

It Pays To Have Good Credit

by Christopher Stirgus

Entrepreneurship Self-Improvement

Credit Repair Myths vs. Reality: DIY Credit Repair, Credit Report Errors, FICO vs. VantageScore & Credit Repair Laws (Ft Cyerra White)

👉 In this episode you’ll learn: I sat down with a Cyerra White at KLN Consulting to break down credit repair myths vs reality, fixing your credit yourself vs hiring a pro, and the most common credit report errors to check for. We also cover the lowest scores we've seen, FICO vs VantageScore, and credit repair laws business owners need to know. 📌 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

Here’s EXACTLY How to Repair Your Credit Yourself (Step-by-Step)

👉 In this episode you’ll learn: Most credit repair companies aren’t going to show you exactly what they do behind the scenes—but I am. In this 40 minute episode, I walk you through the entire process of repairing your credit yourself, step by step. I’ll explain what credit repair actually is, how to read your credit reports, what negative accounts to look for, how to identify potential errors or inaccuracies, how to dispute them, what to include in your disputes, how to respond when the bureaus respond, and what to do next. I’m giving you the same foundational knowledge I use as a credit repair business owner so you can understand the process for yourself—without having to hire a credit repair company. I’ll also explain why having access to accurate credit reports and ongoing credit monitoring is so important throughout the process. Grab your real credit reports using our discounted trial: www.smartcredit.com/stirguscredit 📌 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

We fixed his credit and got him approved for business line of credit!

👉 In this episode you’ll learn: His business hit a slow season, credit got destroyed.....but we fixed his credit and got him a $30,000 line of credit for his business, to re-invest in the marketing he needs to grow! Take action with today's sponsor SmartCredit and start tracking your credit score: www.smartcredit.com/stirguscredit 📌 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

REACTION: Don't Test Drive Cars Until You Get Pre-Approved First

👉 In this episode you’ll learn: I reacted to a couple who drove to a dealership and test drove cars knowing they had horrible credit and couldn't get approved. If you know you have bad credit buying a car, apply online or over the phone and get pre-approved before you waste gas and time. 📌 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

Did You Have a Credit Acceptance Repo? Settlement Explained

👉 In this episode you’ll learn: Did you have a car repossessed by Credit Acceptance? A $694M multistate settlement says qualifying accounts must be deleted from credit reports. In this episode I break down who qualifies for repossession deletion relief, the loan dates and internal-score rule, the Nov. 2, 2026 stop-collection deadline, and what to do if you had a car repossession with CAC. Plus what this means for credit report repair going forward. Settlement basics: filed Sept. 17, 2026 by NY AG plus 39 other states and DC, covering about $634M in debt forgiveness plus $60M restitution. Qualifying loans started Nov. 1, 2015 to Nov. 30, 2025, were still open Dec. 1, 2025, and CAC must ask the bureaus to delete them. 📌 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

Can You Still Buy a House with Mortgage Rates Above 7%?

👉 In this episode you’ll learn: Mortgage rates just jumped above 7% — can you still buy a house right now? Here's what today's rate spike means for your credit, buying power, and home loan approval. In this episode I break down why mortgage rates crossed 7%, how lenders look at your credit when mortgage rates going up, and 3 moves to protect your approval — from credit utilization to debt-to-income ratio to loan options. Perfect for first-time buyers asking if they should wait, pause, or buy now. 📌 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

Credit Repair Business Owner Answers Your Top DMs & Comments

👉 In this episode you’ll learn: Owning a credit repair business means I get the same DMs and comments every day — I'm answering them honestly in this episode. I break down how a credit repair business really works, how to start a credit repair business, what credit repair companies can and can't do, and how to fix credit the right way. If you've ever DM'd me about credit repair, business funding, or turning credit into financial freedom, this is for you. 📌 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

She Was Homeless With an Eviction on Her Credit - Then We Fixed It

👉 In this episode you’ll learn: Our client was homeless because an EVICTION was on her credit report. We removed the evictions from her credit report fast — and now she's housed. This is her real credit repair testimonial. In this video, my client shares how an eviction on her credit report kept her from getting approved for housing, and how our credit repair service helped her dispute and remove the eviction. If you're searching how to remove eviction from your credit report or how to fix credit after an eviction, this story shows what's possible. 📌 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

I Got a $4,800 Charge-Off DELETED From a Credit Report (Step-by-Step)

👉 In this episode you’ll learn: How I got a $4,800 charge-off deleted from a client’s credit report — step by step. In this video, I walk you through the exact process I used, what I looked for, how I approached the dispute, and what happened after the credit reporting agencies investigated the account. If you’re researching how to remove a charge-off, how to dispute a charge-off, credit repair, credit report disputes, or how to get inaccurate information removed from your credit report, this video breaks down the process from start to finish. In this video: How I identified the $4,800 charge-off What I reviewed on the client’s credit report How I determined what to dispute The dispute process, step by step What happened after the investigation The result and what you should look for on your own credit report 📌 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

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

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