Examples of how credit repair works:
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.
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.
HOW DOES our 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) and Fair debt collection practices act (FDCPA) 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: https://www.expertise.com/la/baton-rouge/credit-repair
Feel free to let our customer reviews tell you about their wonderful experience as well: stirgus credit repair - Google Search
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: https://www.expertise.com/la/baton-rouge/credit-repair
Feel free to let our customer reviews tell you about their wonderful experience as well: stirgus credit repair - Google Search
how much does our service cost?
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 $1 credit monitoring through our partnered service (Credit Hero Score) once they enroll, which is provided in their email after they sign up. Credit monitoring services and Stirgus Credit Repair are two completely different companies. Credit monitoring companies are partnered with our company and our system is designed to import credit reports directly from their system! Without credit monitoring, we can not see your scores or reports. This is similar when you go to a hospital for a broken bone, you pay a hospital fee for an x-ray image. Without the x-ray image, the doctor can't see anything. Credit monitoring is a $1 trial to get started, then $19/month.
Individual 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 $1 credit monitoring, which is paid to our partnered credit monitoring company! 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 credit monitoring 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 (after your free trial and the first month of service is completed) and each month you wish to stay enrolled.
COUPLE 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. Both clients in the "couple's plan" will still need to enroll into credit monitoring, in order for us to view their scores. 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 (after your free trial and the first month of service is completed) and each month you wish to stay enrolled with your spouse.
When you request to cancel your membership, you must remember to cancel your monthly credit monitoring service, which is found on the agreement you signed when enrolling.
Credit Monitoring: https://creditheroscore.com/redirect.asp?guid=WFQDSY7BZFIA
Individual 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 $1 credit monitoring, which is paid to our partnered credit monitoring company! 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 credit monitoring 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 (after your free trial and the first month of service is completed) and each month you wish to stay enrolled.
COUPLE 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. Both clients in the "couple's plan" will still need to enroll into credit monitoring, in order for us to view their scores. 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 (after your free trial and the first month of service is completed) and each month you wish to stay enrolled with your spouse.
When you request to cancel your membership, you must remember to cancel your monthly credit monitoring service, which is found on the agreement you signed when enrolling.
Credit Monitoring: https://creditheroscore.com/redirect.asp?guid=WFQDSY7BZFIA
can i cancel anytime?
Yes, you can literally cancel during the first free month if you wanted to. Everyone's budget, expectations and timeframe is different. An emergency may occur and many people need to cancel as many monthly subscriptions as possible to make ends meet, we 100% understand! It is a violation of the (CROA) to not allow cancellations. So feel free to allow us to help you and cancel anytime you may need to!
is credit repair legal?
Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
Is credit repair worth paying?
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed. Now of course, we have no control on how long this can take. It takes 30 days each time we challenge something, to get the results. If you are trying to rush the process, or trying to get perfect scores within the first 1-3 months, no credit repair service is for you, as this process takes several months!
How soon can my credit scores change?
Through our services, 99% of our clients see their credit score increase in the first 1-3 months. After 6 months, the average credit score increase is 100+ points.
When we challenge items, the credit bureau's have 30 days(once they received our challenges) to attempt to verify each account from the company's reporting to your credit reports. Once their time limit is reached or feedback received from the creditors/companies, they determine if it's true verification or not. Now the credit bureau's mail you all results from their investigation.
You may receive alerts from your credit monitoring account has items are being deleted as well! That will usually update quicker than waiting for the mailed results.
We follow these steps month by month, with different strategies and approaches, until the job is done!
When we challenge items, the credit bureau's have 30 days(once they received our challenges) to attempt to verify each account from the company's reporting to your credit reports. Once their time limit is reached or feedback received from the creditors/companies, they determine if it's true verification or not. Now the credit bureau's mail you all results from their investigation.
You may receive alerts from your credit monitoring account has items are being deleted as well! That will usually update quicker than waiting for the mailed results.
We follow these steps month by month, with different strategies and approaches, until the job is done!
why are my scores different?
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. Sometimes it takes fighting back and forward each month, until our side is proven that their reported account is not acceptable!
You may also ask, why are your Equifax, TransUnion and Experian scores different and received different results.
1. Your scores may be different due to some creditors only pulling your credit from one bureau, which adds a hard inquiry to that report.
2. Some of your accounts may only report to 1 or 2 of your credit reports, instead of all 3.
3. You may receive results from different bureau's, because one bureau may have ran out of time trying to verify the account or the reporting creditor/company failed to send the required documents to verify your account.
You may also ask, why are your Equifax, TransUnion and Experian scores different and received different results.
1. Your scores may be different due to some creditors only pulling your credit from one bureau, which adds a hard inquiry to that report.
2. Some of your accounts may only report to 1 or 2 of your credit reports, instead of all 3.
3. You may receive results from different bureau's, because one bureau may have ran out of time trying to verify the account or the reporting creditor/company failed to send the required documents to verify your account.
can deleted items report back to my credit report?
Items cannot come back. Sometimes, the original creditor may hire another collection agency to attempt to collect your unverified debt from you. If this ever occurs, we must follow the same process. Collection companies may also try to report the account under a different account number, to make you "give up" and eventually pay them. This process has nothing to do with the company working on your credit. It's just a process to frustrate the average person and make them pay.
Should I pay a debt collector?
EXAMPLE: If a random person knocked on your door and told you, they're here to collect your car insurance money, would you pay them? Probably not. Why would you pay someone you don't know or never had an agreement with? If I borrowed $100 from you and gave it to a friend, who would owe you money? I would owe the money, not my friend, because you two never had an agreement together.
Paying a debt collector DOES NOT remove the negative account history from your credit scores. Debt collectors make a living by buying your contact information from banks and attempt to make you pay. If you pay, that's free profit for the debt collector.
Paying a debt collector DOES NOT remove the negative account history from your credit scores. Debt collectors make a living by buying your contact information from banks and attempt to make you pay. If you pay, that's free profit for the debt collector.
What social media platforms CAN I follow?
We post daily to our Facebook and Instagram page. We have our own Youtube channel that we plan to upload more credit educational video to and we also have Snapchat and Tiktok.
DO I NEED CREDIT REPAIR OR CREDIT BUILDING?
Do you have negative items on your credit report, such as late payments, charge off accounts, bankruptcies, evictions, late child support payments or getting calls from debt collectors? You need Credit Repair.
Sign up with our credit repair service online to get started or schedule a phone consultation if you have more questions.
Do you have a ZERO credit score? Meaning, you never financed anything, never missed a payment on anything, or want to focus on increasing your credit score even if you don't have anything negative on your reports? You need Credit Building.
Visit our Credit Building Products page and apply for any accounts that fits you and begin building your credit scores!
Sign up with our credit repair service online to get started or schedule a phone consultation if you have more questions.
Do you have a ZERO credit score? Meaning, you never financed anything, never missed a payment on anything, or want to focus on increasing your credit score even if you don't have anything negative on your reports? You need Credit Building.
Visit our Credit Building Products page and apply for any accounts that fits you and begin building your credit scores!
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!
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.
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)
Good to know: Stirgus Credit Repair DO NOT randomly call people or make "cold calls". We do not make outbound calls to take payments, nor manually process payments. All of our clients enroll online on their own, once they either scheduled a consultation to learn about the service or reviewed our entire credit repair details page. We do not call from any Toll-Free numbers and phone calls are only to discuss questions about consumer credit or help with our service.
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.
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)
Good to know: Stirgus Credit Repair DO NOT randomly call people or make "cold calls". We do not make outbound calls to take payments, nor manually process payments. All of our clients enroll online on their own, once they either scheduled a consultation to learn about the service or reviewed our entire credit repair details page. We do not call from any Toll-Free numbers and phone calls are only to discuss questions about consumer credit or help with our service.
