Best Credit Fix Guy Podcasts (2025)

1
Authorized Users: The Fastest Legal Boost to Your Score – Credit Fix Guy 1:06

21d ago1:06

1:06

If your credit score is stuck in the mud, one of the fastest ways to pull it out is by becoming an authorized user on someone else’s well-managed credit card. When you're added to their account, their payment history, credit age, and utilization can get mirrored on your credit report. This is called credit piggybacking, and it works—fast.…

1
Don’t Buy the Wrong Fix: What Really Works to Get Out of Debt 46:09

2d ago46:09

46:09

Too many people waste thousands chasing the wrong debt solution. In this eye-opening episode, Steve Rhode—the original Get Out of Debt Guy—and Damon Day—the new Get Out of Debt Guy—pull back the curtain on the truth behind debt relief programs, credit counseling, debt settlement, Dave Ramsey plans, and even bankruptcy. We break down: Why people fal…

1
438: Jan Jekielek—The Terrible Truth About China 1:29:21

2d ago1:29:21

1:29:21

Jan Jekielek is a senior editor with The Epoch Times and host of “American Thought Leaders.” He has extensively covered the issue of forced organ harvesting in China, particularly concerning Falun Gong practitioners. It is estimated that 60,000 to 100,000 organs annually have been involuntarily extracted from political prisoners in China. Jan’s inv…

1
7 Levels of Wealth for Military Families | Everyone Starts Somewhere #176 35:30

3d ago35:30

35:30

Are you just trying to survive financially? Or are you on your way to building a lasting legacy? Discover the 7 levels of wealth adapted for military life and learn how to move from paycheck-to-paycheck living to financial freedom and abundance! This isn't about rank or time in service – it's about intention and systems. This episode is inspired by…

1
A Listener’s Drowning in Debt at 71—Here’s What I Told Him 7:45

6d ago7:45

7:45

In this episode of the Get Out of Debt Guy podcast, I answer a powerful listener question from a 71-year-old semi-retired filmmaker who’s buried in $30,000 of credit card debt. After losing income from DVD sales, he’s now fielding calls from debt relief companies offering to settle or consolidate his debt—but something doesn’t feel right. We talk a…

1
How to Use Credit Cards Responsibly – CreditFixGuy 1:20

7d ago1:20

1:20

Credit cards can either be a tool or a trap—and when you're repairing your credit, that line gets real thin. Used right, they build your score fast. Used wrong? You’re back in the credit hole you just climbed out of.By Credit Fix Guy

1
How to Use Credit Cards Responsibly: Part 3 — The Best Types of Cards for People Actively Repairing Credit – CreditFixGuy 1:23

7d ago1:23

1:23

When you're deep in credit repair mode, not all credit cards are your friend. In fact, the wrong one can set you back. Let’s talk about the best types of cards for building, not breaking, your score.By Credit Fix Guy

1
How to Use Credit Cards Responsibly: Part 2 — How to Avoid Getting Trapped by Introductory Offers – CreditFixGuy 1:17

7d ago1:17

1:17

Introductory offers can look like a lifeline when you're rebuilding credit—0% APR for 12 months, bonus points, balance transfers with no fees. But here’s the truth: these offers are often bait.By Credit Fix Guy

1
How to Use Credit Cards Responsibly: Part 1 — Finding Credit Cards That Build Your Score Without Adding Risk – CreditFixGuy 1:11

7d ago1:11

1:11

When you're in credit repair mode, credit cards can either be your greatest tool—or your fastest downfall. The key is choosing cards that build your credit without putting you in a worse position. Here’s how to find the right one:By Credit Fix Guy

1
Money Saving Strategies During Credit Repair: Part 3 — How to Save on Interest Even When Your Credit Isn’t Perfect – CreditFixGuy 1:19

7d ago1:19

1:19

High interest rates are one of the biggest traps people fall into during credit repair—but even if your credit score isn’t great yet, you still have options to cut interest and save money.By Credit Fix Guy

1
Money Saving Strategies During Credit Repair: Part 2 — Free or Low-Cost Resources to Boost Your Score – CreditFixGuy 1:19

7d ago1:19

1:19

Fixing your credit doesn’t mean throwing money at every solution. In fact, some of the most powerful tools are free or nearly free—if you know where to look.By Credit Fix Guy

1
Money Saving Strategies During Credit Repair: Part 1 — Budgeting Hacks to Avoid New Debts – CreditFixGuy 1:15

7d ago1:15

1:15

Let’s be real—credit repair isn’t just about removing bad items. It’s about not creating new ones while you're fixing the old mess. That starts with mastering your budget like it’s your survival plan.By Credit Fix Guy

1
The Dark Secrets of the Credit Industry: Part 3 — The Sneaky Tricks Lenders Use to Keep You in Debt – CreditFixGuy 1:16

7d ago1:16

1:16

Credit cards aren’t just plastic—they’re psychological weapons. And lenders have mastered the art of keeping you just comfortable enough to never leave the trap.By Credit Fix Guy

1
The Dark Secrets of the Credit Industry: Part 2 — How Debt Buyers Manipulate Information to Keep Debts “Alive” – CreditFixGuy 1:15

7d ago1:15

1:15

When debt buyers scoop up old accounts for pennies, their goal isn’t to collect right away—it’s to revive them. And they do it by twisting the facts in ways most consumers never catch.By Credit Fix Guy

1
The Dark Secrets of the Credit Industry: Part 1 — Why Credit Bureaus Resist Deleting Negative Items – CreditFixGuy 1:18

7d ago1:18

1:18

You might think credit bureaus are there to help you, but the truth is—they profit when your report stays messy. Each negative item is more than a number—it’s a data product they sell over and over again. The longer it stays, the more money they make from lenders, insurers, and data brokers.By Credit Fix Guy

1
Credit Repair for Retirees Managing Debt on a Fixed Income – CreditFixGuy 1:28

7d ago1:28

1:28

Retirement should be about peace—not panic every time the phone rings or the credit score drops. But for many retirees, managing debt on a fixed income creates a credit challenge that feels impossible to solve. It’s not. You just need the right strategy.By Credit Fix Guy

1
Credit Repair for Those Recovering from Addiction or Rehab – CreditFixGuy 1:23

7d ago1:23

1:23

Recovery isn’t just about healing your body and mind—it’s also about reclaiming your financial future. For many coming out of addiction or rehab, credit is one of the last things addressed, but it plays a major role in rebuilding independence and stability.By Credit Fix Guy

1
Credit Repair for Young Adults Starting with Little or No Credit History – CreditFixGuy 1:17

7d ago1:17

1:17

When you’re just getting started, having no credit can be as limiting as having bad credit. Lenders don’t know how to judge you, so they assume the worst—or nothing at all. But there’s a smart way to build fast without falling into traps.By Credit Fix Guy

1
Why Paid Charge-Offs Can Still Block You From Major Credit Approvals – CreditFixGuy 1:20

7d ago1:20

1:20

You paid off a charge-off thinking it would help your credit. But now you're shocked to find it’s still sabotaging your approvals. Here’s the reality: paid charge-offs don’t carry the magic credit boost people expect. In fact, they can still wreck your chances at loans, apartments, or even jobs.By Credit Fix Guy

1
How Frozen Reports Can Force Faster Deletions from Data Furnishers – CreditFixGuy 1:14

7d ago1:14

1:14

Freezing your credit reports isn’t just a move for security—it can actually help accelerate the removal of bad data. Most people think of freezes as protection from identity theft, but there’s a strategic edge when it comes to credit repair.By Credit Fix Guy

1
Why Paid Charge-Offs Can Still Block You From Major Credit Approvals – CreditFixGuy 1:10

7d ago1:10

1:10

Paying off a charge-off might feel like the responsible move—but it doesn’t mean lenders will reward you. In fact, a paid charge-off can sometimes hurt just as much as an unpaid one when it comes to approvals.By Credit Fix Guy

1
The Secret Role of LexisNexis Echoes in Credit Reporting – CreditFixGuy 1:06

7d ago1:06

1:06

You’ve probably never pulled your LexisNexis report—but lenders, insurers, and even credit bureaus often rely on it behind the scenes. It holds a digital shadow version of your life: past addresses, phone numbers, property records, driving history, court records, and more.By Credit Fix Guy

1
How Collections Are Often Re-aged Just Before the 7-Year Drop Off – CreditFixGuy 0:58

7d ago0:58

0:58

Collections are supposed to drop off your credit report after about seven years from the original delinquency date. But sometimes, collection accounts seem to magically reset their clock and stick around longer than they should.By Credit Fix Guy

1
Why Your Old Phone Number Might Be Killing Your Score – CreditFixGuy 0:58

7d ago0:58

0:58

That old phone number you haven’t used in years? It might be doing more harm than good on your credit file.By Credit Fix Guy

1
When Credit Bureaus Quietly Flag You as a ‘Frequent Disputer’ – CreditFixGuy 0:57

7d ago0:57

0:57

There’s a hidden status credit bureaus can tag on your file—and most people never know it’s there.By Credit Fix Guy

1
The “Metro 2 Loophole” They Don’t Want You to Know About – CreditFixGuy 1:15

7d ago1:15

1:15

There’s a hidden weakness in how credit data gets reported—and it’s buried deep in the Metro 2 format.By Credit Fix Guy

1
How Subtle Address Changes Can Trigger Full File Reviews – CreditFixGuy 1:16

7d ago1:16

1:16

That one-digit difference in your address might be setting off alarms inside the credit bureaus.By Credit Fix Guy

1
The Data Furnisher Blacklist: Why Some Creditors Get Ignored by the Bureaus – CreditFixGuy 1:14

7d ago1:14

1:14

Not all creditors are treated equally. Some get quietly sidelined—and that can work in your favor.By Credit Fix Guy

1
The 6-Month Trick: How Bureaus React to Inactivity on Your File – CreditFixGuy 1:24

7d ago1:24

1:24

What happens when you go radio silent? More than you think—and it could work in your favor.By Credit Fix Guy

1
How an ‘Account Status’ Code Can Invalidate an Entire Debt – CreditFixGuy 1:05

7d ago1:05

1:05

When account status codes don’t match what’s really going on, the whole tradeline can be challenged.By Credit Fix Guy

1
How to Pick the Best Credit Card (and Stop Getting Played) 6:12

8d ago6:12

6:12

Struggling to choose the right credit card? In this episode of the Get Out of Debt Guy podcast, Damon Day breaks down how to find a credit card that actually works for you—not against you. Learn why the interest rate doesn’t matter if you pay off your balance every month, which rewards are truly worth it, and why using a credit card is often safer …

1
“Payment Rating Conflict” – CreditFixGuy 0:55

8d ago0:55

0:55

Metro 2 reporting requires consistency in how payment status is reported—but most reports are full of contradictions. One common violation? The Payment Rating field doesn’t match the Account Status field.By Credit Fix Guy

1
“Date of First Delinquency Manipulation” – CreditFixGuy 1:00

8d ago1:00

1:00

The Date of First Delinquency (DoFD) is the heartbeat of negative account reporting. It determines when an account should age off your report. But if that date gets changed—intentionally or not—it resets the clock. That’s illegal.By Credit Fix Guy

1
“Account Status Doesn’t Match Payment History” – CreditFixGuy 0:58

8d ago0:58

0:58

Ever seen a report where the account status says “Paid” or “Current,” but the payment history shows late payments or charged-off months? That’s not just confusing—it’s a Metro 2 violation.By Credit Fix Guy

1
“Date of Last Activity” Manipulation – CreditFixGuy 0:59

8d ago0:59

0:59

Some creditors quietly update the “Date of Last Activity” (DLA) without you ever making a move. Why? To keep the account reporting longer than legally allowed.By Credit Fix Guy

1
Payment History Missing or Incomplete – CreditFixGuy 0:58

8d ago0:58

0:58

When an account shows months or even years of blank payment history, that’s not just laziness—it’s a Metro 2 violation. Incomplete reporting can distort your credit profile and damage your score unfairly.By Credit Fix Guy

1
Date Last Updated Doesn’t Match Activity – CreditFixGuy 1:04

8d ago1:04

1:04

If the “Date Last Updated” field on your credit report doesn’t match any actual activity on the account, that’s not just a typo—it’s a Metro 2 violation that can lead to deletion.By Credit Fix Guy

1
Account Marked “Paid” but Still Shows a Balance – CreditFixGuy 1:07

8d ago1:07

1:07

An account says “paid,” but there’s still a balance showing. That’s not just confusing—it’s a direct violation of Metro 2 formatting rules and the Fair Credit Reporting Act.By Credit Fix Guy

1
Re-Aging Through “Date Opened” – CreditFixGuy 1:15

8d ago1:15

1:15

You disputed an old account—then suddenly, the “Date Opened” got a facelift. Now it looks brand new. That’s not just shady—it’s a violation.By Credit Fix Guy

1
Metro 2 Coding: The Language That Can Force Deletions – CreditFixGuy 1:05

8d ago1:05

1:05

Most people don’t realize credit reports are built on a secret language—Metro 2. It’s how data furnishes are supposed to talk to the credit bureaus.By Credit Fix Guy

1
Why Credit Inquiries Can Sometimes Help Your Score – CreditFixGuy 1:09

8d ago1:09

1:09

Most people fear credit inquiries like they’re financial landmines. But not all inquiries are bad—some can actually help your credit score.By Credit Fix Guy

1
Using Consumer Protections to Challenge Medical Debt Reporting – CreditFixGuy 1:15

8d ago1:15

1:15

Medical debt hits different—but that also means the rules are different. And if you know those rules, you can flip the system in your favor.By Credit Fix Guy

1
How to Spot When a Debt Is Too Old to Be Reported – CreditFixGuy 1:13

8d ago1:13

1:13

There’s an expiration date on how long negative accounts can legally sit on your credit report—but most people don’t know how to check it.By Credit Fix Guy

1
The Hidden Impact of Hard Inquiry Clustering – CreditFixGuy 1:05

8d ago1:05

1:05

Most people think it’s the number of inquiries that hurts. But the real danger? The pattern.By Credit Fix Guy

1
What Happens When Debt Collectors Sell Your Debt Multiple Times – CreditFixGuy 1:06

8d ago1:06

1:06

Old debt. New name. Same nightmare.By Credit Fix Guy

1
The Truth About Authorized User Tradelines and What to Watch For – CreditFixGuy 1:00

8d ago1:00

1:00

Boost your score—or blow it up.By Credit Fix Guy

1
How Creditors Use Reporting Errors to Your Disadvantage – CreditFixGuy 1:09

8d ago1:09

1:09

Small errors, big damage.By Credit Fix Guy

1
When Closing Credit Cards Hurts More Than Helps – CreditFixGuy 1:07

8d ago1:07

1:07

Thinking of closing that old credit card? Think again.By Credit Fix Guy

1
The Secret Behind Reporting Cycles and Score Fluctuations – creditfixguy 1:08

8d ago1:08

1:08

Your score didn’t drop randomly. It’s just reporting cycle math.By Credit Fix Guy

1
The Pay-to-Delete Myth - creditfixguy 0:49

8d ago0:49

0:49

Many believe you can pay a debt collector and get the negative item deleted—just like that. But here’s the truth: not all collectors honor “pay-to-delete” agreements, and some don’t even have the legal standing to report in the first place.By Credit Fix Guy

Podcasts Worth a Listen

Credit Fix Guy Podcasts

Podcasts Worth a Listen