The good thing about Stirgus Credit Repair is, we know exactly what you're about to ask. You have questions about pricing, how does our process work, what can be removed from your credit report, how long will it take and how will you be updated. Before signing up for our service, PLEASE take a few minutes to read this entire page. It will answer all of your questions and avoid any future issues or misunderstandings about the credit repair industry.
Before talking about price or time, let's all be honest here. Damaging your credit report didn't happen over night. It took multiple months or years, of missing payments and getting accounts sent to debt collectors. With that being said, allowing Stirgus Credit Repair to attempt to remove the negative items off your credit reports, can't happen over night. If you are expecting imaginary magic to happen or somehow think all negative items on your credit report will disappear the moment you sign up, it's impossible and this is not the process for you.
VERY IMPORTANT: Stirgus Credit Repair will not tolerate any drama about your credit situation or issues about another credit repair company. Credit repair is a service. Definition of service-The action of helping or doing work for someone. Paying for a service means you are paying for a more experienced professional to do something you can do for yourself. Our job is to attempt to better your situation. You pay for a service if you don't have time or have the experience to do something yourself.
Here's 6 great examples of paying for a service:
Example 1: If you hire a lawyer to defend you in court, that does not mean you will win the case. You hired an attorney to attempt to make your situation better and to hopefully beat the case. If the judge has all evidence against you and determined you get no slack, then it is not your lawyer's fault that he could not help you in court. You paid to use his experience with the law, to try and help you in court.
Example 2: If you go to a casino, you are attempting to win money. If you go the entire night without winning any money, it is not the casino's fault that you lost all of your money. You spent money to attempt to win more money, you do not automatically win money, just because you entered money into a slot machine.
Example 3: If you hire a professional car detailer to come detail your vehicle and it rains the moment he leaves, it is not the car detailer's fault that your vehicle is dirty again. You paid him to provide a service, the weather is out of his control.
Example 4: If you hire a lawn company to mow your grass every 2 weeks and it rains non-stop for a week, you may have to pay your lawn company to come out and mow your grass before your next scheduled appointment. The rain caused your lawn to grow quickly and the lawn company can not control that.
Example 5: When you enroll into a credit repair service, you are paying them to use their time and to work on the negative items on your credit reports (caused by you). You are paying for all of their documents that needs to be typed, printed, stamped, notarized and sent to the post office. Just like a car mechanic, you're paying for labor. His labor prices may include his time learning how to fix your vehicle, the tools he used to fix your vehicle and his shop. Therefore you are also paying a credit repair company for their system, things needed to send out your challenges to the credit bureaus and experience with the FCRA laws or violations made by the credit bureaus. You are paying for a service to attempt to help you, it is impossible to "pay for results", especially without seeing your credit reports first. That's similar to asking a mechanic to "fix your car, without it ever breaking again", it's impossible. Stirgus Credit Repair can not promise the results to anyone, you are advise to enroll into the service and request to cancel anytime you begin to feel the service is no longer needed or worth it. If you don't have "good luck" with a credit repair service, it is not the credit repair company's fault, that just means your creditors did everything they can to verify and respond to the credit bureaus investigations. There's no such thing as "the credit repair company didn't do anything".
Example 6: We can all make our own food at home, but there's millions of restaurants open every hour of the day and the food industry isn't slowing down any time soon. We would rather pay a restaurant to cook us a meal, if we are in a hurry or don't feel like cooking once we get home after work. Will a restaurant cook our hamburger exactly how we cook ours at home? Maybe not. We aren't paying for them to season exactly how we season ours, we are paying for them to provide a quicker meal for us, instead of us taking the time to go grocery shopping, prepping the food and cooking it ourselves.
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 enrolled each month! Below are the actual details about our service!
CREDIT REPAIR ORGANIZATION ACT:
We follow all laws provided by the CROA.
It is ILLEGAL for a Credit Repair organization to charge an up front fee or a "sign up fee", therefore our first month of service is FREE.
It is ILLEGAL to promise or guarantee fake results, therefore we do not advertise that we can fix anyone's credit in a few days (which is impossible).
It is ILLEGAL to deny cancellation, there is NO CONTRACT with our services. You can cancel any day of the year.
Read up more about the CROA: Credit Repair Organizations Act | Federal Trade Commission (ftc.gov)
HOW DOES THIS SERVICE WORK AND HOW LONG WILL I NEED IT? Negative items report to your credit for 7-10 years, why wait? Let's see what we can do now! We only use legal methods provided by the Fair Credit Reporting Act (FCRA) to attempt to help you. This is a process you must be patient with, just like the banks you owed were patient with you before they charged your accounts off. Some clients are lucky and see big changes within the first month. Everyone can't win the lottery their first time buying a lottery ticket! On average, most people see big changes within 3-6 months of being enrolled. Most people will also get their credit where it needs to be within 6-12 months. For really bad situations, you may want to expect to be enrolled at least a minimum of 8 months to a year! When we challenge accounts using the fair credit reporting act, we must wait 30 days to update you with results, because that's how long it takes for your credit reports to update, plus we must give the credit bureaus 30 days to do their investigations for us. There's no short cut around it. We can't promise anything nor sell you promises, just as a lawyer couldn't make any promises in court to his client, but he can attempt to help, based on his experience. We're in that same situation! There's many bad people in the credit repair industry, who claim they can "fix credit" within 24 hours, 72 hours, 30 days, 45 days or 60 days. Those people are not real credit repair companies, they're scams. Credit bureaus only update once a month, plus the FCRA allows the credit bureau's to investigate in our challenges for 30 days, yet people still fall for the fake scams. Before enrolling into ANY credit repair service, make sure they're a real business and not just a person in your city who claim they can "fix your credit". We are a fully licensed business with hundreds of clients.
WHAT CAN COME OFF OF MY CREDIT REPORT? We legally attempt to remove all negative items that affects your credit reports! There's many laws we can use in the Fair Credit Reporting Act and a ton of errors on credit reports! A few common items that may affect people are: Hard Inquiries, Charged-off Accounts, Collections, Medical Debt, Late Payments, Auto Repossession's, Foreclosure's, Tax Liens, Child support, Student Loans, Public Records, Bankruptcies and more!
How will I be updated? The credit bureau's only update your credit reports once a month. The credit bureau's also have 30 days to investigate our challenges each month, this means our system only updates once a month. Each client has their own online account, where they can simply log-in and track their 30 day updates. Along with that, clients receive automated emails from our system every 30 days, containing their updated credit analysis, showing their changes, score updates and what's remaining. Client's also receive automated email updates from our system, showing the items that we are working on. No need to ask for an update at Stirgus Credit Repair, the system does it for you!
Why pick Stirgus Credit Repair? By now you should see that we've answered just about every question you probably had. With other credit repair companies, you have to call them and wait forever to speak to someone (if they can answer all of your questions). We're already a step ahead by answering all of your questions within a minute or two, without having to call anyone.
The big difference that separate Stirgus Credit Repair from other companies are: We're straight forward, clients are updated throughout their entire membership, we actually follow all laws provided by the CROA and we have multiple auto finance managers, mortgage loan officers and real estate agents available, who are ready to assist you!
We don't just "fix credit", we also help young adults build credit as well! We're partnered with companies to offer secured credit cards and credit building loans.
We help people who may need a personal loan to consolidate debt, pay bills, house improvements or need help with vacation expenses.
As mentioned above, we can help you purchase a vehicle, find a home and finance/re-finance a home.
Stirgus Credit Repair is a registered & licensed company, we aren't random people who "claim" they can help increase your credit scores. Over the last few years, we have been selected as one of the top credit repair companies out of 160+ registered businesses.
See for yourself here: 6 Best Baton Rouge Credit Repair Companies | Expertise
Feel free to let our customers tell you about their wonderful experience as well: stirgus credit repair - Google Search
PAYMENT PLANS FOR YOU
Stirgus Credit Repair DOES NOT collect any fees or service payments upfront from clients. The first month of service is 100% FREE. However, Clients do have to purchase their own $19.95 credit monitoring through SmartCredit once they're enrolling, which is provided in their email after they sign up. SmartCredit and Stirgus Credit Repair are two completely different companies. SmartCredit is our partnered company and our system is designed to import credit reports directly from their system! Without SmartCredit, we can not see your scores or reports.
MONTHLY PLAN- $100 Per Month, FIRST MONTH FREE!
A month by month service. Your first month is covered on us and service completely free, besides your credit monitoring, which is paid to SmartCredit! This allow you and Stirgus Credit Repair to work one month at a time, until you're completely done or feel you no longer need credit repair and satisfied with your credit scores and reports. (You will still need to enroll into $19.95 credit monitoring by SmartCredit when you enroll, this allows us to view your reports and see changes.) We DO NOT manually charge your card (we also can't see your card info). Our billing system will bill you every 30 days. For example, if you enroll on January 1st, your first payment will be on February 1st and each month on the first.
COUPLES PLAN- $150 Per Month, FIRST MONTH FREE!
A month by month service. Your first month is covered on us and service is completely free! This allow you and Stirgus Credit Repair to work one month at a time, until you're completely done or feel you no longer need credit repair and satisfied with your credit scores and reports. (Credit monitoring is $19.95 each, which allows us to view your reports. This is a total of $39.90) We DO NOT manually charge your card (we also can't see your card info). Our billing system will bill you every 30 days. For example, if you enroll on January 1st, your first payment will be on February 1st and each month on the first.
SIX MONTH PLAN-$500
You will still be responsible for signing up for the monthly $19.95 credit monitoring service through SmartCredit that allows us to access your credit report and scores every 30 days. This plan will save you money over the six months you would have paid if you chosen the monthly plan. This plan is recommended for anyone who knows their situation is challenged and want to pay a flat-fee, without having to remember which date their card will be billed.
*THIS IS NOT PROMISING YOUR CREDIT WILL BE PERFECT IN SIX MONTHS. THIS IS A PAYMENT PLAN ONLY AND ONLY MEANT TO SAVE YOU MONEY, INSTEAD OF PAYING MONTHLY*
When you request to cancel your membership, you must remember to cancel your $19.95 monthly credit monitoring service, which is found on the agreement you signed when enrolling.
Credit Monitoring: www.smartcredit.com/Stirgus
VERY IMPORTANT: Stirgus Credit Repair will not tolerate any drama about your credit situation or issues about another credit repair company. Credit repair is a service. Definition of service-The action of helping or doing work for someone. Paying for a service means you are paying for a more experienced professional to do something you can do for yourself. Our job is to attempt to better your situation. You pay for a service if you don't have time or have the experience to do something yourself.
Here's 6 great examples of paying for a service:
Example 1: If you hire a lawyer to defend you in court, that does not mean you will win the case. You hired an attorney to attempt to make your situation better and to hopefully beat the case. If the judge has all evidence against you and determined you get no slack, then it is not your lawyer's fault that he could not help you in court. You paid to use his experience with the law, to try and help you in court.
Example 2: If you go to a casino, you are attempting to win money. If you go the entire night without winning any money, it is not the casino's fault that you lost all of your money. You spent money to attempt to win more money, you do not automatically win money, just because you entered money into a slot machine.
Example 3: If you hire a professional car detailer to come detail your vehicle and it rains the moment he leaves, it is not the car detailer's fault that your vehicle is dirty again. You paid him to provide a service, the weather is out of his control.
Example 4: If you hire a lawn company to mow your grass every 2 weeks and it rains non-stop for a week, you may have to pay your lawn company to come out and mow your grass before your next scheduled appointment. The rain caused your lawn to grow quickly and the lawn company can not control that.
Example 5: When you enroll into a credit repair service, you are paying them to use their time and to work on the negative items on your credit reports (caused by you). You are paying for all of their documents that needs to be typed, printed, stamped, notarized and sent to the post office. Just like a car mechanic, you're paying for labor. His labor prices may include his time learning how to fix your vehicle, the tools he used to fix your vehicle and his shop. Therefore you are also paying a credit repair company for their system, things needed to send out your challenges to the credit bureaus and experience with the FCRA laws or violations made by the credit bureaus. You are paying for a service to attempt to help you, it is impossible to "pay for results", especially without seeing your credit reports first. That's similar to asking a mechanic to "fix your car, without it ever breaking again", it's impossible. Stirgus Credit Repair can not promise the results to anyone, you are advise to enroll into the service and request to cancel anytime you begin to feel the service is no longer needed or worth it. If you don't have "good luck" with a credit repair service, it is not the credit repair company's fault, that just means your creditors did everything they can to verify and respond to the credit bureaus investigations. There's no such thing as "the credit repair company didn't do anything".
Example 6: We can all make our own food at home, but there's millions of restaurants open every hour of the day and the food industry isn't slowing down any time soon. We would rather pay a restaurant to cook us a meal, if we are in a hurry or don't feel like cooking once we get home after work. Will a restaurant cook our hamburger exactly how we cook ours at home? Maybe not. We aren't paying for them to season exactly how we season ours, we are paying for them to provide a quicker meal for us, instead of us taking the time to go grocery shopping, prepping the food and cooking it ourselves.
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 enrolled each month! Below are the actual details about our service!
CREDIT REPAIR ORGANIZATION ACT:
We follow all laws provided by the CROA.
It is ILLEGAL for a Credit Repair organization to charge an up front fee or a "sign up fee", therefore our first month of service is FREE.
It is ILLEGAL to promise or guarantee fake results, therefore we do not advertise that we can fix anyone's credit in a few days (which is impossible).
It is ILLEGAL to deny cancellation, there is NO CONTRACT with our services. You can cancel any day of the year.
Read up more about the CROA: Credit Repair Organizations Act | Federal Trade Commission (ftc.gov)
HOW DOES THIS SERVICE WORK AND HOW LONG WILL I NEED IT? Negative items report to your credit for 7-10 years, why wait? Let's see what we can do now! We only use legal methods provided by the Fair Credit Reporting Act (FCRA) to attempt to help you. This is a process you must be patient with, just like the banks you owed were patient with you before they charged your accounts off. Some clients are lucky and see big changes within the first month. Everyone can't win the lottery their first time buying a lottery ticket! On average, most people see big changes within 3-6 months of being enrolled. Most people will also get their credit where it needs to be within 6-12 months. For really bad situations, you may want to expect to be enrolled at least a minimum of 8 months to a year! When we challenge accounts using the fair credit reporting act, we must wait 30 days to update you with results, because that's how long it takes for your credit reports to update, plus we must give the credit bureaus 30 days to do their investigations for us. There's no short cut around it. We can't promise anything nor sell you promises, just as a lawyer couldn't make any promises in court to his client, but he can attempt to help, based on his experience. We're in that same situation! There's many bad people in the credit repair industry, who claim they can "fix credit" within 24 hours, 72 hours, 30 days, 45 days or 60 days. Those people are not real credit repair companies, they're scams. Credit bureaus only update once a month, plus the FCRA allows the credit bureau's to investigate in our challenges for 30 days, yet people still fall for the fake scams. Before enrolling into ANY credit repair service, make sure they're a real business and not just a person in your city who claim they can "fix your credit". We are a fully licensed business with hundreds of clients.
WHAT CAN COME OFF OF MY CREDIT REPORT? We legally attempt to remove all negative items that affects your credit reports! There's many laws we can use in the Fair Credit Reporting Act and a ton of errors on credit reports! A few common items that may affect people are: Hard Inquiries, Charged-off Accounts, Collections, Medical Debt, Late Payments, Auto Repossession's, Foreclosure's, Tax Liens, Child support, Student Loans, Public Records, Bankruptcies and more!
How will I be updated? The credit bureau's only update your credit reports once a month. The credit bureau's also have 30 days to investigate our challenges each month, this means our system only updates once a month. Each client has their own online account, where they can simply log-in and track their 30 day updates. Along with that, clients receive automated emails from our system every 30 days, containing their updated credit analysis, showing their changes, score updates and what's remaining. Client's also receive automated email updates from our system, showing the items that we are working on. No need to ask for an update at Stirgus Credit Repair, the system does it for you!
Why pick Stirgus Credit Repair? By now you should see that we've answered just about every question you probably had. With other credit repair companies, you have to call them and wait forever to speak to someone (if they can answer all of your questions). We're already a step ahead by answering all of your questions within a minute or two, without having to call anyone.
The big difference that separate Stirgus Credit Repair from other companies are: We're straight forward, clients are updated throughout their entire membership, we actually follow all laws provided by the CROA and we have multiple auto finance managers, mortgage loan officers and real estate agents available, who are ready to assist you!
We don't just "fix credit", we also help young adults build credit as well! We're partnered with companies to offer secured credit cards and credit building loans.
We help people who may need a personal loan to consolidate debt, pay bills, house improvements or need help with vacation expenses.
As mentioned above, we can help you purchase a vehicle, find a home and finance/re-finance a home.
Stirgus Credit Repair is a registered & licensed company, we aren't random people who "claim" they can help increase your credit scores. Over the last few years, we have been selected as one of the top credit repair companies out of 160+ registered businesses.
See for yourself here: 6 Best Baton Rouge Credit Repair Companies | Expertise
Feel free to let our customers tell you about their wonderful experience as well: stirgus credit repair - Google Search
PAYMENT PLANS FOR YOU
Stirgus Credit Repair DOES NOT collect any fees or service payments upfront from clients. The first month of service is 100% FREE. However, Clients do have to purchase their own $19.95 credit monitoring through SmartCredit once they're enrolling, which is provided in their email after they sign up. SmartCredit and Stirgus Credit Repair are two completely different companies. SmartCredit is our partnered company and our system is designed to import credit reports directly from their system! Without SmartCredit, we can not see your scores or reports.
MONTHLY PLAN- $100 Per Month, FIRST MONTH FREE!
A month by month service. Your first month is covered on us and service completely free, besides your credit monitoring, which is paid to SmartCredit! This allow you and Stirgus Credit Repair to work one month at a time, until you're completely done or feel you no longer need credit repair and satisfied with your credit scores and reports. (You will still need to enroll into $19.95 credit monitoring by SmartCredit when you enroll, this allows us to view your reports and see changes.) We DO NOT manually charge your card (we also can't see your card info). Our billing system will bill you every 30 days. For example, if you enroll on January 1st, your first payment will be on February 1st and each month on the first.
COUPLES PLAN- $150 Per Month, FIRST MONTH FREE!
A month by month service. Your first month is covered on us and service is completely free! This allow you and Stirgus Credit Repair to work one month at a time, until you're completely done or feel you no longer need credit repair and satisfied with your credit scores and reports. (Credit monitoring is $19.95 each, which allows us to view your reports. This is a total of $39.90) We DO NOT manually charge your card (we also can't see your card info). Our billing system will bill you every 30 days. For example, if you enroll on January 1st, your first payment will be on February 1st and each month on the first.
SIX MONTH PLAN-$500
You will still be responsible for signing up for the monthly $19.95 credit monitoring service through SmartCredit that allows us to access your credit report and scores every 30 days. This plan will save you money over the six months you would have paid if you chosen the monthly plan. This plan is recommended for anyone who knows their situation is challenged and want to pay a flat-fee, without having to remember which date their card will be billed.
*THIS IS NOT PROMISING YOUR CREDIT WILL BE PERFECT IN SIX MONTHS. THIS IS A PAYMENT PLAN ONLY AND ONLY MEANT TO SAVE YOU MONEY, INSTEAD OF PAYING MONTHLY*
When you request to cancel your membership, you must remember to cancel your $19.95 monthly credit monitoring service, which is found on the agreement you signed when enrolling.
Credit Monitoring: www.smartcredit.com/Stirgus
Now that we've answered every question that's usually asked, if you would like to go the extra mile and educate yourself about the entire credit repair industry, view our FAQ page below! If you are ready to sign up, scroll down and click "get started now".
- We help and guide you from start to finish and we prepare all of the documentation for the various credit agencies.
- Our fees are reasonable and there are NO long binding contracts.
- All Major Banks and Credit Cards are accepted.
- We do not charge an hourly fee.
- We charge less than you would pay for a few hours with an attorney.
- We do not stick you with hidden fees.
- We do not sell your information like fake services.
- You create your own profile for Stirgus Credit Repair to stay updated with the entire process.
- We're cheaper than most Credit Specialists and Companies.
- We begin working for you after signing up and don't collect money for months like most big companies.
