Best Credit Fix Guy Podcasts (2025)

1
This One Deadline Could Wreck Your College Plans — Parent PLUS Changes Every Family Needs to Hear 27:19

9d ago27:19

27:19

Big changes are coming for Parent PLUS loans—and most families have no idea. In this episode of The Get Out of Debt Guy Show, Steve Rhode and Damon Day break down the hidden deadlines, confusing rule changes, and massive traps built into the new Parent PLUS system. If you’re planning to help your kid with college—or already have Parent PLUS loans—J…

1
🎙️ Let’s Talk About… Visible Difference – with Oliver Bromley 1:09:12

12d ago1:09:12

1:09:12

“We’re all more than what people see — so stop staring, start asking, and actually see the person in front of you.” The post 🎙️ Let’s Talk About… Visible Difference – with Oliver Bromley first appeared on The Next Level Guy Show.By Ian Dawson Mackay

1
Why Good Bankruptcy Attorneys Lose Clients (And What That Means for You) 25:37

16d ago25:37

25:37

Today on The Get Out of Debt Guy Show, Steve and Damon are together in person for a rare live conversation—and they’re diving deep into a topic most people avoid: bankruptcy attorneys. After a lunch with a bankruptcy lawyer, they share insider perspectives on why so many people avoid bankruptcy even when it might be the best option. From emotional …

1
AI Is Coming for Your Job — And It’s Not Waiting 35:18

23d ago35:18

35:18

In this eye-opening episode, I sit down with Damon Day to talk about the fast-moving threat of artificial intelligence replacing middle-class jobs. From customer service reps to financial analysts and marketing writers, AI isn’t just nibbling around the edges — it’s bulldozing through entire career paths. We talk about what jobs are most at risk, w…

1
The Secret Guilt That Keeps You Broke — And How to Finally Break Free 27:46

30d ago27:46

27:46

Debt and guilt go hand-in-hand—and not in a good way. In this episode of the Get Out of Debt Guy podcast, Steve (the original Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) dive into the toxic guilt that keeps people stuck in debt and making bad financial decisions. From draining retirement accounts to hiding credit card debt with…

1
Grow Your Credit Part 2: Add Strategic Accounts — Not Just Any Credit Will Do | CreditFixGuy 1:50

1M ago1:50

1:50

Once you’ve removed the negative weight, it’s time to build—but you can’t just throw random accounts on your report and expect growth. This part of the series shows you how to pick strategic credit lines that grow your score fast and build real approval power.By Credit Fix Guy

1
Grow Your Credit Part 1: Delete to Grow — Why Clearing the Trash Comes First | CreditFixGuy 1:39

1M ago1:39

1:39

Before you focus on building credit, you have to remove what’s holding it back. This first part of the series explains why certain negative accounts must be removed before any growth can happen—and how strategic removals open the door for faster, stronger score improvements.By Credit Fix Guy

1
What Happens Behind the Scenes When You Hit ‘Dispute’ Online — CreditFixGuy 1:58

1M ago1:58

1:58

When you hit the ‘dispute’ button on your credit report, it might seem like a simple action, but behind the scenes, a complex process kicks off. Knowing how this works can help you better navigate credit repair and improve your chances of getting negative items removed.By Credit Fix Guy

1
The Pattern Bureaus Look For Before They Auto-Deny a Dispute — CreditFixGuy 2:01

1M ago2:01

2:01

Most people think their disputes are reviewed carefully by human eyes. The truth? A huge percentage of disputes never make it past the automated filters used by the credit bureaus. If your dispute follows a certain pattern, it gets auto-denied without investigation—even if you’re right.By Credit Fix Guy

1
How to Use Payment Dates as Proof of Inaccurate Reporting — CreditFixGuy 1:55

1M ago1:55

1:55

Credit reports are supposed to reflect accurate, timely, and complete data—but they often don’t. One of the most overlooked weapons in your dispute arsenal is the payment date. If your payment history is being reported incorrectly, even by just a few days, that single detail can lead to complete deletions.…

1
The Time Loop Effect: Why Some Items Keep Reappearing Every 90 Days — CreditFixGuy 1:43

1M ago1:43

1:43

Ever feel like a negative account disappears… only to come back a few months later like clockwork? You’re not imagining it. This is what we call the Time Loop Effect, and it’s one of the sneakiest patterns in the credit reporting game.By Credit Fix Guy

1
Why You Should Track the Order Accounts Were Added to Your Report — CreditFixGuy 1:41

1M ago1:41

1:41

One of the most overlooked aspects of credit repair is the sequence in which accounts appear on your credit report. But the order matters—sometimes more than the account itself. If you’re not tracking when and how items were added, you’re missing a major clue about how to challenge them.By Credit Fix Guy

1
How Credit Bureaus Flag Your File Based on the Language You Use — CreditFixGuy 1:59

1M ago1:59

1:59

When you dispute items on your credit report, the exact words and phrases you use can significantly affect how credit bureaus handle your case. This subtle but powerful tactic is often overlooked, yet it can influence whether your dispute gets serious attention or an automatic denial.By Credit Fix Guy

1
Credit Reports as Legal Evidence—Use Them Like a Weapon – CreditFixGuy 1:40

1M ago1:40

1:40

Your credit report isn’t just a financial snapshot—it’s a legal document. And when used correctly, it can become your most powerful weapon in credit repair. Most people treat their credit report as a scoreboard. But in reality, it’s evidence, and just like any legal document, it can be used to prove wrongdoing, dispute false claims, and force accou…

1
The Ghost Debt Phenomenon: When Old Debts Disappear, Then Return – CreditFixGuy 1:39

1M ago1:39

1:39

Ever had a debt vanish from your credit report, only to reappear months or even years later? That’s not a glitch. That’s what we call a ghost debt—and if you don’t understand how it works, you’ll stay stuck in the cycle.By Credit Fix Guy

1
How Debt Validation Really Works to Delete Negative Items – CreditFixGuy 0:52

1M ago0:52

0:52

Most people don’t know that debt validation is one of the most powerful tools to remove inaccurate or unverifiable debts from your credit report.By Credit Fix Guy

1
The Morality Trap: When Doing the 'Right' Thing Keeps You Broke 37:11

1M ago37:11

37:11

Is it more moral to protect your future—or to financially bleed yourself dry trying to pay everyone back? In this episode, Steve, the original Get Out of Debt Guy, and Damon Day, the new Get Out of Debt Guy, unpack the emotional weight and moral confusion around debt, repayment, and financial survival. From the fear of bankruptcy to the guilt of wa…

1
The $50,000 Closet: Why Self-Storage Might Be Storing Your Regrets 37:27

1M ago37:27

37:27

Steve, the original Get Out of Debt Guy, and Damon, the new Get Out of Debt Guy, crack open the rolling doors of America's $44 billion self-storage obsession. From emotional clutter and forgotten bins to the sneaky subscriptions draining your wallet, this episode is a deep clean for your finances and your soul. Damon shares how he finally closed hi…

1
#224 – Matt Vincent on Radical Ownership, Living Hard, and the ‘Not Dead Yet’ Mindset 1:29:18

2M ago1:29:18

1:29:18

The story ends the same for all of us — so let it rip while you’re here. You're not obligated to exist — but you're here. So why not give it hell? The post #224 – Matt Vincent on Radical Ownership, Living Hard, and the ‘Not Dead Yet’ Mindset first appeared on The Next Level Guy Show.By Ian Dawson Mackay

1
Credit Repair and Entrepreneurship: Using Personal Credit to Launch Your Business – CreditFixGuy 1:13

2M ago1:13

1:13

Here’s the harsh truth: most new business owners fail not because they lack ideas—but because they lack funding. And unless you’re walking in with capital, your personal credit will carry the weight of your entire startup.By Credit Fix Guy

1
The Dark Secrets of the Credit Industry – CreditFixGuy 0:46

2M ago0:46

0:46

The credit system was never built to benefit you. Bureaus don’t make money when you win—they profit when you stay in the dark. That’s why negative items can be so hard to delete, even when they're inaccurate.By Credit Fix Guy

1
Mindset Shift: Credit Repair as a Journey, Not a Fix – CreditFixGuy 0:40

2M ago0:40

0:40

Credit repair isn’t a one-time fix—it’s a long game. A lifestyle shift. Real improvement comes when you stop chasing instant deletions and start building steady, consistent wins that stack up over time.By Credit Fix Guy

1
Why Your Old Phone Number Might Be Killing Your Score – CreditFixGuy 0:41

2M ago0:41

0:41

That outdated phone number lingering on your credit report could be doing more damage than you think. Credit bureaus use your personal information—like phone numbers, addresses, and employment history—to match and verify data from creditors. But when old or inconsistent info sticks around, it can cause serious confusion.…

1
How Subtle Address Changes Can Trigger Full File Reviews – CreditFixGuy 0:37

2M ago0:37

0:37

Sometimes, a simple change in your address on your credit file can cause the credit bureaus to run a full review of your entire report. This isn’t just about updating your location—it can flag inconsistencies or raise red flags that lead to deeper scrutiny.By Credit Fix Guy

1
Money Saving Strategies During Credit Repair: Part 2 — Free and Low-Cost Resources to Boost Your Score – CreditFixGuy 0:37

2M ago0:37

0:37

Fixing your credit doesn’t have to drain your wallet. There are many free or low-cost tools designed to help you track progress, identify errors, and build positive credit habits.By Credit Fix Guy

1
The Dark Secrets of the Credit Industry: Why Negative Items Stick and How They Keep You Trapped – CreditFixGuy 0:44

2M ago0:44

0:44

Credit bureaus don’t make it easy to remove negative items. They benefit from keeping your credit report filled with old debts and missed payments because it fuels the whole credit economy.By Credit Fix Guy

1
Credit Repair on a Fixed Income: Retiree Edition – CreditFixGuy 0:53

2M ago0:53

0:53

Just because you’re retired doesn’t mean your credit stops mattering. In fact, good credit can protect your savings, help with downsizing, and even lower insurance costs.By Credit Fix Guy

1
Credit Repair After Rehab or Addiction Recovery – CreditFixGuy 0:53

2M ago0:53

0:53

Rebuilding credit after addiction isn’t just about numbers—it’s about reclaiming control. You’ve already done the hard work by taking your life back. Now it’s time to repair the financial damage that may have followed.By Credit Fix Guy

1
Credit Repair for Young Adults With Little or No History – CreditFixGuy 0:53

2M ago0:53

0:53

If you're just starting out and your credit report is basically a blank slate, you're not behind—you’re in a prime position to build a strong foundation before debt or mistakes creep in.By Credit Fix Guy

1
Inquiries from Companies You Don’t Recognize – CreditFixGuy 1:19

2M ago1:19

1:19

If you’re seeing hard inquiries on your credit report from companies you don’t recognize, it’s not just frustrating—it can be the key to forcing deletions and protecting your credit profile.By Credit Fix Guy

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

2M 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
A Listener’s Drowning in Debt at 71—Here’s What I Told Him 7:45

2M 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

2M 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

2M 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

2M 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

2M 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

2M 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

2M 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

2M 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

2M 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

2M 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

2M 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

2M 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

2M 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

2M 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

2M 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

2M 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

2M 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

2M 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

2M 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

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