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.
In this section, all of your credit repair questions will be answered! There can be a lot of false information floating around in the credit repair world, but Stirgus Credit Repair gets straight to the point and provides all correct and factual information.
Before talking about price or time, let's all be honest here. Damaging your credit report doesn't happen over night. It took multiple months of missing payments before a bank or creditor sold your debt to a collection agency or charged it off. With this being said, allowing Stirgus Credit Repair to attempt to remove all negative items off your credit reports, can't happen over night either. If you are expecting imaginary magic to happen and think all negative items on your credit report will disappear the moment you sign up, this is not the process for you.
VERY IMPORTANT: Stirgus Credit Repair will not tolerate any drama or issues regarding your credit situation. Our job is to attempt to better your situation. Here's a few examples:
Ex. If you hire an attorney 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 determined you get no slack, then it is not the attorney fault that he could not help you.
Ex. 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 fault that you lost all of your money.
Therefore, When enrolling into a credit repair service, you are paying each month to attempt to remove the negative items affecting your credit scores. 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. When you sign up, Please read the agreement you'll receive in your email shortly after.
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? 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!
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 provided 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, which means we can only update you 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.
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 without being transferred). 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 on board, 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.)
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*
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)
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
Before talking about price or time, let's all be honest here. Damaging your credit report doesn't happen over night. It took multiple months of missing payments before a bank or creditor sold your debt to a collection agency or charged it off. With this being said, allowing Stirgus Credit Repair to attempt to remove all negative items off your credit reports, can't happen over night either. If you are expecting imaginary magic to happen and think all negative items on your credit report will disappear the moment you sign up, this is not the process for you.
VERY IMPORTANT: Stirgus Credit Repair will not tolerate any drama or issues regarding your credit situation. Our job is to attempt to better your situation. Here's a few examples:
Ex. If you hire an attorney 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 determined you get no slack, then it is not the attorney fault that he could not help you.
Ex. 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 fault that you lost all of your money.
Therefore, When enrolling into a credit repair service, you are paying each month to attempt to remove the negative items affecting your credit scores. 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. When you sign up, Please read the agreement you'll receive in your email shortly after.
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? 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!
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 provided 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, which means we can only update you 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.
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 without being transferred). 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 on board, 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.)
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*
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)
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
- 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.
