in compliance with Credit Repair Organizations Act:
Stirgus Credit Repair follow all requirements in the Credit Repair Organizations Act (CROA).
We do not charge upfront fees for our service.
We do not advertise fake promises, untrue account deletions or false credit score increases.
We do not promise results (in hopes to better consumer credit scores or reports) without viewing their credit.
We do not have "contracts", clients can cancel anytime.
Our client are required to sign our agreement confirming this, before we begin our services.
https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act
We do not charge upfront fees for our service.
We do not advertise fake promises, untrue account deletions or false credit score increases.
We do not promise results (in hopes to better consumer credit scores or reports) without viewing their credit.
We do not have "contracts", clients can cancel anytime.
Our client are required to sign our agreement confirming this, before we begin our services.
https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act
In compliance with the telemarketing sales rule:
Although Stirgus Credit Repair is not a Telemarketing company, we still follow the Telemarketing Sales Rule (TSR).
We do not make "cold calls", Consumers reach out to us.
We do not call our clients to take Payment over the phone or to enroll. They must do so on their own.
Our phone line is not used to randomly call or harass consumers. It is only used when a client or potential customer calls in to ask for help with their account or other technical issues.
Before enrolling, our clients sign our agreement acknowledging that they are enrolling into our service at their own will.
https://www.ftc.gov/legal-library/browse/rules/telemarketing-sales-rule
We do not make "cold calls", Consumers reach out to us.
We do not call our clients to take Payment over the phone or to enroll. They must do so on their own.
Our phone line is not used to randomly call or harass consumers. It is only used when a client or potential customer calls in to ask for help with their account or other technical issues.
Before enrolling, our clients sign our agreement acknowledging that they are enrolling into our service at their own will.
https://www.ftc.gov/legal-library/browse/rules/telemarketing-sales-rule
Right to cancel anytime
Our clients have the right to cancel our service anytime, even seconds after enrolling. There is no contract or fees owed when cancelling.
Fair Credit reporting act
The FCRA gives you the right to dispute anything on your credit report, that you may find incomplete, inaccurate or outdated.
The credit bureaus must investigate in these disputed items and removed them if they are found not in compliance with the FCRA.
https://files.consumerfinance.gov/f/documents/bcfp_consumer-rights-summary_2018-09.pdf
The credit bureaus must investigate in these disputed items and removed them if they are found not in compliance with the FCRA.
https://files.consumerfinance.gov/f/documents/bcfp_consumer-rights-summary_2018-09.pdf
Fair debt collection practices act
Debt Collection companies have laws and rules they must follow as well. Any debt collection company violating these rules could result in have their reporting removed from your credit report.
https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text
https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text
About stirgus credit repair
Stirgus Credit Repair is an online business that help and educate consumers with their credit scores.
We have credit building products to help consumers with no credit or bad credit history, build credit history.
We also offer credit repair services to consumers who may need help with disputing items on their credit reports.
Along with those two main services, we offer free phone consultations, refer consumers to professionals who can help them with home/car buying, video and audio credit education podcasts and more! Check out the different pages on our website to see what we offer.
We have credit building products to help consumers with no credit or bad credit history, build credit history.
We also offer credit repair services to consumers who may need help with disputing items on their credit reports.
Along with those two main services, we offer free phone consultations, refer consumers to professionals who can help them with home/car buying, video and audio credit education podcasts and more! Check out the different pages on our website to see what we offer.
Do i need credit building or credit repair?
People with zero credit history (young adults, people who never financed anything or people who paid off everything), will benefit from our credit building products. These products report to consumer credit reports and maintain a healthy credit history as long as the consumer pays on time. We have a mixture of secured credit cards, credit builder installment loans and a service to report your rent payments!
People with low credit scores can benefit from our credit repair service. These people usually have negative items affecting their credit scores (late payments, collections, charge-offs, public records, etc) or inaccurate items that needs to be disputed with the credit bureaus. This service can also advised consumers what they can do on their own to increase their scores, such as paying off certain debts or applying for certain accounts. Negative items must be reported accurately with no errors, violations and verified by the bureaus, or removed by the credit bureaus.
People with low credit scores can benefit from our credit repair service. These people usually have negative items affecting their credit scores (late payments, collections, charge-offs, public records, etc) or inaccurate items that needs to be disputed with the credit bureaus. This service can also advised consumers what they can do on their own to increase their scores, such as paying off certain debts or applying for certain accounts. Negative items must be reported accurately with no errors, violations and verified by the bureaus, or removed by the credit bureaus.
how does credit repair work?
Credit repair is the process of disputing items that are affecting your credit scores. There are several methods used to items from credit credit reports, as long as it's a true reason for the credit bureaus to remove those disputed items. There are tons of errors on consumer credit reports and a lot of creditors or debt collections companies who can't verify reported information.
When these items are disputed, the credit bureaus have 30 days to investigate in these disputes. The credit bureaus then remove the disputed information from your credit report if they find it should not being reported or if submitted documentation was received to have it removed.
When these items are disputed, the credit bureaus have 30 days to investigate in these disputes. The credit bureaus then remove the disputed information from your credit report if they find it should not being reported or if submitted documentation was received to have it removed.
how much is the credit repair service?
As mentioned above, we do not accept fees for our service upfront. We do not accept payments to "fix your credit" or false promises as we can not advise consumers what may can happen without actually seeing their credit reports. Our service is paid by reviewing credit reports, having you enrolled into our CRM software, materials used on your behalf, finding inaccuracies, violations and errors, along with labor. Our service is a month to month service and it is free to start our service work. In order for us to see your credit scores and reports, you must enroll into our recommended credit monitoring company (Credit Hero Score). Without this, we can not see your credit, nor do the work. It's similar to paying for an x-ray at the doctor office, without the x-ray, no one can see your broken bone.
Credit monitoring is $1 to enroll for a 7 day trail, then $19.95 each month to process new credit reports, update disputed information, show monthly scores and import your credit information directly into our system. Credit Hero Score is completely separate from our company and we do not collect any of the fees paid to them. It is only used to provide us your credit data. (If you already have a credit monitoring service that imports data into our system from all three credit bureaus, we can use that and you do not need to purchase a new credit monitoring membership).
For individuals: Our service is FREE to start, then $100 starting the following month if you wish to be enrolled. Therefore you are paying after our work is complete each month of service.
For Couples: Our service is FREE to start, then $150 (or $75 each) starting the following month if you wish to be enrolled. Therefore you are paying after our work is complete each month of service.
Payments are due each month on the date you enrolled. For example, if you start our services for free on January 5th, your payment is due on the 5th of the following months (unless you request to switch the date). If you cancel before the billing date, you are free to go with no payment owed.
Credit monitoring is $1 to enroll for a 7 day trail, then $19.95 each month to process new credit reports, update disputed information, show monthly scores and import your credit information directly into our system. Credit Hero Score is completely separate from our company and we do not collect any of the fees paid to them. It is only used to provide us your credit data. (If you already have a credit monitoring service that imports data into our system from all three credit bureaus, we can use that and you do not need to purchase a new credit monitoring membership).
For individuals: Our service is FREE to start, then $100 starting the following month if you wish to be enrolled. Therefore you are paying after our work is complete each month of service.
For Couples: Our service is FREE to start, then $150 (or $75 each) starting the following month if you wish to be enrolled. Therefore you are paying after our work is complete each month of service.
Payments are due each month on the date you enrolled. For example, if you start our services for free on January 5th, your payment is due on the 5th of the following months (unless you request to switch the date). If you cancel before the billing date, you are free to go with no payment owed.
do i need the credit monitoring service if i have credit karma or the experian app?
Credit Karma nor the Experian app imports data from all three credit bureaus into our system, therefore we can not use those. As much as we wish your can use your free cell phone apps, it just won't work. However, if you already have a real credit monitoring membership with companies like SmartCredit, Credit Hero Score, IdentityIQ or PrivacyGuard, we can use that and you do not have to enroll into a new credit monitoring membership. We recommend Credit Hero Score, because it is the cheapest to enroll and keep a membership with.
how long can credit repair take?
When the credit bureaus receive your disputes, they investigate for 30 days. Sometimes it could take several months submitting new information if the credit bureaus refuses to remove disputed information. Sometimes there may be new things requested from you and new approaches taken. There are several methods to use and look for when disputing accounts on your credit reports. There are even times where 1 bureau may delete information, but the others don't and we need to keep trying until they agree to remove those certain items.
With all this being said, there's no certain "timeframe" to be enrolled. Some people can see obvious items removed within the first month and some clients can easily be enrolled several months if some things are needed to be resubmitted/reinvestigated. Sometimes disputing through the credit bureaus several times may not work and the creditors may be willing to work with us. We will let you know if things seem possible after actually reviewing your credit report and attempting. We do not give false promises or estimated results, as we are not in control of this.
With all this being said, there's no certain "timeframe" to be enrolled. Some people can see obvious items removed within the first month and some clients can easily be enrolled several months if some things are needed to be resubmitted/reinvestigated. Sometimes disputing through the credit bureaus several times may not work and the creditors may be willing to work with us. We will let you know if things seem possible after actually reviewing your credit report and attempting. We do not give false promises or estimated results, as we are not in control of this.
victim of identity theft?
If you are a true victim of identity theft, we advised you to contact your creditors and follow whichever steps they require to have the inaccurate information removed. We do not get involved with newly identity theft cases as we avoid any possible issues with legal situations.
If you tried to do everything you can with this situation and the credit bureaus is still reporting inaccurate information, then we would need documentation from your creditors admitting the reported information is not yours and we can help you submit this to the credit bureaus.
If you tried to do everything you can with this situation and the credit bureaus is still reporting inaccurate information, then we would need documentation from your creditors admitting the reported information is not yours and we can help you submit this to the credit bureaus.
Whats needed to enroll?
Once you sign up you will receive the enrollment assessment in your email shortly after. We can not start services without this being complete. In this email, you'll enroll into credit monitoring, sign our agreement outlining everything with our service, uploading proof of identity such as a drivers license, state ID or passport and uploading proof of residence, which could be something similar to a utility bill that shows your name and address on it.
When you upload your ID, Drivers License or Passport picture page, PLEASE make sure it is a clear copy. The credit bureaus will not process any documents if they are blurry or unable to read the details.
When you upload a utility bill for proof of residence, PLEASE make sure it is the FULL PAGE and CLEAR TO READ. DO NOT upload a picture of the document still in a envelope. The credit bureau will not process this.
When adding a card on file for our services, it must be a true bank debit or credit card.
We can not process pre-paid cards or app cards, such as Venmo or cashapp.
When you upload your ID, Drivers License or Passport picture page, PLEASE make sure it is a clear copy. The credit bureaus will not process any documents if they are blurry or unable to read the details.
When you upload a utility bill for proof of residence, PLEASE make sure it is the FULL PAGE and CLEAR TO READ. DO NOT upload a picture of the document still in a envelope. The credit bureau will not process this.
When adding a card on file for our services, it must be a true bank debit or credit card.
We can not process pre-paid cards or app cards, such as Venmo or cashapp.
how will i be updated?
Clients are updated three ways.
When enrolling into our service, clients create their online account with us, which shows their month to month credit scores, accounts, deletions, updates and more. Their account is updated every 30 days.
Clients also receive email notifications of everything we do. So every 30 days when we process their disputes on their behalf, they are alerted and see everything we are doing.
Although the credit bureaus can be a little slow, they mail our clients results also. These results will show what was deleted and not removed, along with additional information that may be required.
When enrolling into our service, clients create their online account with us, which shows their month to month credit scores, accounts, deletions, updates and more. Their account is updated every 30 days.
Clients also receive email notifications of everything we do. So every 30 days when we process their disputes on their behalf, they are alerted and see everything we are doing.
Although the credit bureaus can be a little slow, they mail our clients results also. These results will show what was deleted and not removed, along with additional information that may be required.
why choose stirgus credit repair?
By now you should be able to tell we are a honest company who follow all required laws and rules. We do not cause or entertain drama/issues with consumers and we have an easy way for clients to stay updated! We answered all of your questions within seconds of reading and you never had to pick up the phone or fill out a contact form. We focus on educating consumers before they enroll, so there won't be misunderstandings in the future. Our pricing is fair and if there are any concerns or future questions, it is super easy to get in contact with us.
Because of this, we have tons of good reviews throughout social media, Google and listed as one of the best companies to work with in our local area every year: https://www.expertise.com/la/baton-rouge/credit-repair
Because of this, we have tons of good reviews throughout social media, Google and listed as one of the best companies to work with in our local area every year: https://www.expertise.com/la/baton-rouge/credit-repair
How can i follow stirgus credit repair or see what others are saying?
As mentioned before, we grow in business for being transparent and honest. Therefore we try to keep up with being on every social platform there is.
Our biggest audience is on our Facebook page: Stirgus Credit Repair
Our biggest podcasts episodes are on Youtube: Stirgus Credit Repair
You can also follow us on Instagram, Spotify, Apple Podcasts, Google Podcasts and many more!
For reviews, you can see what previous clients are saying by searching Stirgus Credit Repair on Google.
Our biggest audience is on our Facebook page: Stirgus Credit Repair
Our biggest podcasts episodes are on Youtube: Stirgus Credit Repair
You can also follow us on Instagram, Spotify, Apple Podcasts, Google Podcasts and many more!
For reviews, you can see what previous clients are saying by searching Stirgus Credit Repair on Google.
Things we do not do!
We do not lie to consumers about what can be removed from their credit report or promise results. If someone is telling you they can "fix your credit" without or before seeing your credit reports, they are violating laws in CROA and it is a good chance they are not acting truthfully.
We do not accept service payments up front. If a company if charging fees upfront (also know as a consultation fee, first work fee, sign up fee, enrollment fee or anything in that nature), they are violating CROA and you should not do business with them.
We do not offer "credit sweeps". This is a term used to illegally file a police report "claiming something doesn't belong to the consumer" or "they are a victim of identity theft", just to submit it to the credit bureaus and they remove those items.
Issues like these above is what give real credit repair companies a bad name. Before signing up with any credit repair service, be sure they are notifying you of laws you should be aware of!
We do not accept service payments up front. If a company if charging fees upfront (also know as a consultation fee, first work fee, sign up fee, enrollment fee or anything in that nature), they are violating CROA and you should not do business with them.
We do not offer "credit sweeps". This is a term used to illegally file a police report "claiming something doesn't belong to the consumer" or "they are a victim of identity theft", just to submit it to the credit bureaus and they remove those items.
Issues like these above is what give real credit repair companies a bad name. Before signing up with any credit repair service, be sure they are notifying you of laws you should be aware of!
what if a creditor is sues me?
If you refused to pay back a loan or credit card, you are at risk of being sued by the bank who owns that account. Prior to missing payments, you signed an agreement promising you'll pay back the amount owed. If a creditor sues you or you currently have been sued and your wages are garnished, we have nothing to do with this and it's your job to contact a lawyer or your creditor to work out a payment plan. Owing debt and credit reporting are two separate things.
what can be removed?
We've been through tons of clients and tons of different situations. Most of the time when we see deleted items, they are unauthorized hard inquiries, charge-off accounts, debt collector accounts, late payments and bankruptcies. Depending on your situation, we can see if you have some of these negative items affecting you and if the credit bureaus can removed those if requested.
whats the difference in me disputing Online and paying a credit repair service?
There are billions of services out there in the world today. Most of these services either save people time or complete tasks quicker and better.
We can make our own food at home, but if they have time or the correct recipe, we may pay a restaurant or chef to cook for us.
We can cut our own grass, but if we don't have time or a lawn mower, we pay for a lawn service.
We can wash our own vehicles, but if time is short we may pay a car wash or professional detailer.
We can defend ourselves in court, but if we aren't familiar with the laws, we hire an attorney to defend us.
Credit repair is similar to many of these services. Yes, anyone can learn the different methods and FCRA/FDCPA laws when finding methods to remove certain items on their credit report. If they don't have time to attempt this month after month or time to learn, hiring a credit repair company is the way to go.
When you dispute online, normally this just sends a request to the credit bureaus claiming "this doesn't belong to me". Normally this will never work, unless the reporting company doesn't respond in time and many times people use online disputing as a way to lie about certain accounts. This is not a recommended method in searching for errors, inaccuracies, violations and other methods to dispute items.
Most credit repair companies have the experience to see which method may work with certain items and if it can be done or not.
We can make our own food at home, but if they have time or the correct recipe, we may pay a restaurant or chef to cook for us.
We can cut our own grass, but if we don't have time or a lawn mower, we pay for a lawn service.
We can wash our own vehicles, but if time is short we may pay a car wash or professional detailer.
We can defend ourselves in court, but if we aren't familiar with the laws, we hire an attorney to defend us.
Credit repair is similar to many of these services. Yes, anyone can learn the different methods and FCRA/FDCPA laws when finding methods to remove certain items on their credit report. If they don't have time to attempt this month after month or time to learn, hiring a credit repair company is the way to go.
When you dispute online, normally this just sends a request to the credit bureaus claiming "this doesn't belong to me". Normally this will never work, unless the reporting company doesn't respond in time and many times people use online disputing as a way to lie about certain accounts. This is not a recommended method in searching for errors, inaccuracies, violations and other methods to dispute items.
Most credit repair companies have the experience to see which method may work with certain items and if it can be done or not.
will deleted items return on my credit report?
We hear stories like this often from new customers and majority of the time if an item reports back, normally it's from a debt collection account being sold to a new company to "report again". Many of these unverified items can be proven as a duplicate debt if the bureaus found it unverified before.
will paying my bad debts delete the negative reporting?
You may heard before, "to fix your credit, just pay your bills or pay what's owed". Unfortunately, paying accounts in collections, charge-off accounts or even accounts with late payments, will not delete the negative payment history. The information still reports for 7 years.
If the damage is already charged off or in collections and affecting your credit scores, the only thing we can focus on is seeing if the items can be removed. We do not give advise on if you should pay debt collectors or accounts already charged off, you should consult with an attorney.
If the damage is already charged off or in collections and affecting your credit scores, the only thing we can focus on is seeing if the items can be removed. We do not give advise on if you should pay debt collectors or accounts already charged off, you should consult with an attorney.
will hiring a credit repair company automatically "fix my credit"?
Any person telling you this is violating the Credit Repair Organizations Act and could be in trouble. It is impossible to guarantee results before a consumer signs up for a credit repair service. Usually a person lying to consumers about this, isn't a real Credit Repair company and is just trying to scam consumers.
EXAMPLE: If you commit a crime and get arrested, hiring a lawyer will not promise you a chance to walk away freely. You may hire a lawyer to either help decrease your jail sentence or find you not guilty at all in court. It is impossible for a lawyer to automatically claim he can help your situation, prior to knowing or seeing the evidence against you. You hire a lawyer to attempt to make your situation better in court, because you either aren't familiar with your rights and laws or don't have time to learn them.
This same example applies to hiring a credit repair company to attempt to find ways to get the credit bureaus to remove negative information reporting (based on their investigations).
EXAMPLE: If you commit a crime and get arrested, hiring a lawyer will not promise you a chance to walk away freely. You may hire a lawyer to either help decrease your jail sentence or find you not guilty at all in court. It is impossible for a lawyer to automatically claim he can help your situation, prior to knowing or seeing the evidence against you. You hire a lawyer to attempt to make your situation better in court, because you either aren't familiar with your rights and laws or don't have time to learn them.
This same example applies to hiring a credit repair company to attempt to find ways to get the credit bureaus to remove negative information reporting (based on their investigations).
How will i be billed?
The card you put on file with us will be billed when the service payment is due. This is normally the following month after services are completed, on the date that you signed up on (unless a different date is requested). You will receive an email 7 days prior and 3 days in advance, letting you know your payment date is approaching.
How do i update my payment method?
You will receive an email 7 days and 3 days before your payment date, letting you know your payment is due soon. If your payment method fails, you will also receive an email allowing you to update your payment method. With this email, you can do things such as update your payment method, request to change your payment date or request to cancel further services.
When you update your payment method, this adds that card on file for services each month. If you wish to change payment methods for future billing, you must update your payment method to do so.
When you update your payment method, this adds that card on file for services each month. If you wish to change payment methods for future billing, you must update your payment method to do so.
can I request a refund?
Since we are a drama-free and stress-free company, we do everything in our power to avoid issues over money. This is another reason why we do not charge any fees to begin our service, because we want our clients to understand how this process works, before money is involved. Clients also have the option to cancel services anytime, before a new month of service is started. This prevents any issues over payments. Once our service and document processing is completed, we can not offer refund for payments or void any of the credit bureau investigations, as it would be too late.
For example, if you have been enrolled for several months and claim you did not know you were enrolled into this service, there is nothing we can do, except cancel your account from further services. This is similar to creating a Netflix account and months later, request Netflix to refund you, because you forgot you created the account. They will not refund you.
For example, if you have been enrolled for several months and claim you did not know you were enrolled into this service, there is nothing we can do, except cancel your account from further services. This is similar to creating a Netflix account and months later, request Netflix to refund you, because you forgot you created the account. They will not refund you.
is my payment method stored safely?
When you enroll into our service and place a card on file with the billing system, we can not see your card numbers or any information on the card you put on file (this is for your security). If you use a card other than yours, you are responsible for any billing associated on that card.
For example, if you use a friend's or family member's card for services, you are responsible for the billing on their card (as we can not see any information to the card you put on file). Your friend or family member can not contact us requesting information regarding your account, as this is against our security and privacy policies.
If you use someone else's card without their permission and place it on file for our services, this is a form of theft and you could face legal trouble.
For example, if you use a friend's or family member's card for services, you are responsible for the billing on their card (as we can not see any information to the card you put on file). Your friend or family member can not contact us requesting information regarding your account, as this is against our security and privacy policies.
If you use someone else's card without their permission and place it on file for our services, this is a form of theft and you could face legal trouble.
Great news! If you read everything above and made it this far, you understand our company is straight forward, stress-free and want our customers to be understanding on a realistic level. Unlike other companies who may lie to their customers, just to get them to sign up. We educate our customers before enrolling, to make sure they understand how the process works and to ensure they are serious about improving their credit scores. We have hundreds of happy clients who enroll each month!
