Sep 23, 2026 · 41 min · 8 segments
On this episode of Mining for Gold, Jon and Matt are joined by Robert Sigman and Zach Cook, the founders of credit repair marketplace company Credzu. They discuss Credzu's innovative structure and…
You know, so with John and I in our, you know, our world here, obviously we're dealing with credit scores and credit reports on a daily basis.
And, you know, it's, I would say 80% of the time we, you know, the scores come back, we're fine.
But, you know, there's always those times where we say, hey, we need to take a look at that report, see how we can improve your scores so that we can get you a mortgage, get you a home.
So, you know, with CredZoo here, from what I've learned, you know, doing a little background, you guys are basically, it's a secure platform to ensure compliance for credit repair companies, strives to protect the referral partners from scams, which we know that's a big thing out there, you know, the misunderstandings.
And that's, you know, that obviously that's what we're really looking for and need help with.
So how did you guys decide the industry, you know, doesn't need another credit repair company, but it needs a totally different model?
Just from our perspective, and this is maybe anecdotal, it's not official studies, but we're seeing much more than 20% issues.
We're seeing at a minimum from the partners we're dealing with that about 30% of their leads are declined all the way up to 50%.
So depending on where you are and depending how good you're throttling with your marketing, it can go anywhere from a third of leads all the way up to 50% of leads that have credit debt issues.
I think, you know, one of the things, Robbie, that we're talking about is that, you know, we talk about that perfect bower.
And that perfect bower, you know, if you fit into that box, you're going to be getting, you're a commodity, quite honestly.
Like you can call hundreds of people and, you know, shop as much as you want because you're perfect.
It's usually tied to some type of income issue, meaning that they started a new job, now they're self-employed or whatever it is.
Or more likely than not is credit, whether it's credit utilization or low scores.
Well, that's great because the medical model we use only goes up to, I think, 820 or 840.
You know, so with John and I in our, you know, our world here, obviously we're dealing with credit scores and credit reports on a daily basis.
And, you know, it's, I would say 80% of the time we, you know, the scores come back, we're fine.
But, you know, there's always those times where we say, hey, we need to take a look at that report, see how we can improve your scores so that we can get you a mortgage, get you a home.
So, you know, with CredZoo here, from what I've learned, you know, doing a little background, you guys are basically, it's a secure platform to ensure compliance for credit repair companies, strives to protect the referral partners from scams, which we know that's a big thing out there, you know, the misunderstandings.
And that's, you know, that obviously that's what we're really looking for and need help with.
So how did you guys decide the industry, you know, doesn't need another credit repair company, but it needs a totally different model?
Just from our perspective, and this is maybe anecdotal, it's not official studies, but we're seeing much more than 20% issues.
We're seeing at a minimum from the partners we're dealing with that about 30% of their leads are declined all the way up to 50%.
So depending on where you are and depending how good you're throttling with your marketing, it can go anywhere from a third of leads all the way up to 50% of leads that have credit debt issues.
I think, you know, one of the things, Robbie, that we're talking about is that, you know, we talk about that perfect bower.
And that perfect bower, you know, if you fit into that box, you're going to be getting, you're a commodity, quite honestly.
Like you can call hundreds of people and, you know, shop as much as you want because you're perfect.
It's usually tied to some type of income issue, meaning that they started a new job, now they're self-employed or whatever it is.
Or more likely than not is credit, whether it's credit utilization or low scores.
Well, that's great because the medical model we use only goes up to, I think, 820 or 840.
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