THE SECRET TO REPAIRING BAD CREDIT.
As heard on the Buying Local Podcast
EPISODE 76 • May 8, 2026 • 32 minutes • Host: Mike Nelson
Chris Mastantuono and Ron Monaco join the Buying Local podcast to talk about the affordability crisis, how bad credit is quietly costing Capital Region families thousands of dollars a year, and what Requalify 360 is doing about it.
BY THE NUMBERS
WHAT THE DATA ACTUALLY SHOWS
72%
Of car buyers couldn't get loan terms that realistically fit their budget
120pts
Average score increase clients have seen in as little as 6 months
~$1,200
Typical total cost for a full 6–9 month credit restoration program
"You either need access to a big bag of money, or you need good credit. It's much cheaper to have good credit."
Chris Mastantuono, Founder
"Until you take ownership of what you don't know, you're setting yourself up for the next financial failure."
Ron Monaco, Client Relations
"People are afraid to ask. They don't like walking in feeling like they're going to be embarrassed."
Chris Mastantuono, Founder
"I want people to start thriving. And that doesn't start until you have a knowledge of how things work."
Ron Monaco, Client Relations
From the episode