Click each question below, to show/hide answers.
in compliance with Credit Repair Organizations Act:
Stirgus Credit Repair follows all requirements in the Credit Repair Organizations Act (CROA). We do not charge upfront service fees, advertise fake promises, and our clients can cancel anytime. When we process a dispute, an item will only be deleted from a credit report if it is: Inaccurate, incomplete, unverified or no response given. If you are seeking for a "instant credit fix" or any other unrealistic scams, we are not the service for you and will not tolerate anything that could lead to a potential violation in the CROA. 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" or allow telephone marketing. During enrollment, our clients signs our agreement which gives us permission to review their credit reports and allows us to discuss their situation with them. 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. The credit bureaus must investigate on these disputed items and remove 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 having their reporting removed from your credit report. https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text
About stirgus credit repair
Our online business help and educate consumers with their credit scores. Our main service is to help consumers (who may have bad credit), work to improve their credit scores, by challenging the negative information that is affecting them. We also help those with zero credit, by educating them and offering them products we recommend they apply for, to build credit history.
Do i need credit building or credit repair?
If you have bad credit (negative accounts reporting): You need credit repair.
If you have zero credit (no credit history): You need to build credit.
If you have zero credit (no credit history): You need to build credit.
how does credit repair work?
Credit repair is the process of disputing items that are affecting your credit scores. These negative items can be removed IF: They are reported inaccurately, reported incomplete, the account is unverified, no response to disputes or a violation within the FCRA or FDCPA. This happens quite often and many of our customers will see credit score increases, when these negative accounts are removed.
how much is the credit repair service?
Our customers pay for two things: The service and their credit reports.
The credit monitoring system we use to get your credit reports, charge a $1 trial, then $19.99/month. We can't see your credit without this!
Our service is FREE to start, then:
$100/month for an individual
or
$150/month for couple's
The credit monitoring system we use to get your credit reports, charge a $1 trial, then $19.99/month. We can't see your credit without this!
Our service is FREE to start, then:
$100/month for an individual
or
$150/month for couple's
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 you 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 appears to be a bit cheaper.
how long can credit repair take?
Our average customer may use our services between 4-6 months, give or take. Everyone's situation is different and we can not control if the credit bureaus request more supporting documents. Credit reports change every month, therefore this is a month to month process and can easily take several attempts to work on your credit situation. It takes 30-45 days, each time the bureaus to respond to our work.
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.
Whats needed to enroll?
Signing up is quick and only takes 5 minutes. You'll only need basic personal information and a copy of your driver's license, along with a document to prove your residency (utility bill, card statement, etc).
The card you put on file for our services, must be a real bank credit or debit card. Our billing system can not process pre-paid merchants, such as: Cashapp cards, Chime cards, etc.
The card you put on file for our services, must be a real bank credit or debit card. Our billing system can not process pre-paid merchants, such as: Cashapp cards, Chime cards, etc.
how will i be updated?
Every 30 days, your online portal will show your newest scores and updated account details. You'll also receive emails on the new work we're processing. Along with this, the credit bureaus will also mail you updates. Also, once enrolled, you'll also have our office support number, in case you decide to just call every 30 days to speak about your situation.
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 a 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 to get these answers. 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
Please be respectful and understand it is not our fault for any of the negative accounts reporting to your credit profile. Our service is to only attempt to help your situation. If there is ever a concern, we will respectfully discontinue our services and there will be no hard feelings attached!
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 to get these answers. 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
Please be respectful and understand it is not our fault for any of the negative accounts reporting to your credit profile. Our service is to only attempt to help your situation. If there is ever a concern, we will respectfully discontinue our services and there will be no hard feelings attached!
How can i follow stirgus credit repair or see what others are saying?
As mentioned before, we grow in business by 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 Spotify & Youtube: It Pays To Have Good Credit
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.
Usually the credit industry is flooded by bad reviews, because companies do not consult with their customers or explain what's going on. Many of those companies have horrible reviews, because they sell fake dreams or their customers do not understand how any of this works. Our 5-star branding is more important than anything else and we only accept clients who understand what's going on and eliminate those who the service may not be the best for.
Our biggest audience is on our Facebook page: Stirgus Credit Repair
Our biggest podcasts episodes are on Spotify & Youtube: It Pays To Have Good Credit
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.
Usually the credit industry is flooded by bad reviews, because companies do not consult with their customers or explain what's going on. Many of those companies have horrible reviews, because they sell fake dreams or their customers do not understand how any of this works. Our 5-star branding is more important than anything else and we only accept clients who understand what's going on and eliminate those who the service may not be the best for.
Things we doN't 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 being truthfully. Would you allow a doctor to give you surgery, without them seeing what's wrong with you? Would you hire a lawyer, without them looking at your case?
We do not accept service payments up front. If a company if charging service fees upfront (before you enroll or processing any work), 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 service fees upfront (before you enroll or processing any work), 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 recently 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.
For example: If you paid off a negative debt, this does not remove the account from your credit report. If an account was deleted from your credit report, this does not remove the debt. Although credit and debt goes with each other, they are both separate.
For example: If you paid off a negative debt, this does not remove the account from your credit report. If an account was deleted from your credit report, this does not remove the debt. Although credit and debt goes with each other, they are both separate.
what can be removed?
When a consumer uses a credit repair service, it is because they have negative items affecting their credit scores. We accept all situations and will work on those negative accounts. These negative accounts are normally removed IF: They are unverified, reported inaccurately, reported incomplete, no response to the disputes or proven to violate anything in the FCRA or FDCPA.
Most people are affected by late payments, charge-offs, debt collection accounts, bankruptcy filings or anything that is negative on their credit reports. Many consumers see these items get removed if the credit bureaus find that it fits the descriptions listed above. After working on these items and we find there is no solution, we will also notify you of these situations.
Most people are affected by late payments, charge-offs, debt collection accounts, bankruptcy filings or anything that is negative on their credit reports. Many consumers see these items get removed if the credit bureaus find that it fits the descriptions listed above. After working on these items and we find there is no solution, we will also notify you of these situations.
whats the difference in me disputing Online and paying a credit repair service?
There are tons 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 don't have time or the correct recipe, we may pay a restaurant or chef to cook for us.
Credit repair is similar to many of these services. It is literally just a SERVICE.
If you 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 when you dispute an item online once, you aren't allowed to dispute again. This is not a recommended method in searching for errors, inaccuracies, violations and other methods to remove negative 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. regardless if you hired a service or did this yourself, you should always mail to provide documents and keep a paper trail.
We can make our own food at home, but if don't have time or the correct recipe, we may pay a restaurant or chef to cook for us.
Credit repair is similar to many of these services. It is literally just a SERVICE.
If you 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 when you dispute an item online once, you aren't allowed to dispute again. This is not a recommended method in searching for errors, inaccuracies, violations and other methods to remove negative 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. regardless if you hired a service or did this yourself, you should always mail to provide documents and keep a paper trail.
will deleted items return on my credit report?
We hear stories like this often from new customers. 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 reporting, if the bureaus found it unverified before. It does not mean the account "came back", it is only an attempt for the reporting company to affect your credit again. It can sometimes be part of the process.
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 advice 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 advice 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 negotiate your jail sentence or find you not guilty 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-if the items are inaccurate, incomplete, unverified or they received no responses).
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 negotiate your jail sentence or find you not guilty 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-if the items are inaccurate, incomplete, unverified or they received no responses).
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 you signed up on (unless a different date is requested). You will receive an email in advance, letting you know your payment date is approaching. For example, if you enrolled on January 5th, your payment will be on the 5th of each month.
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.
You can also email Billing@StirgusCreditRepair.com for any billing concerns and we'll respond Monday-Friday 9am-6pm CST.
You can also email Billing@StirgusCreditRepair.com for any billing concerns and we'll respond Monday-Friday 9am-6pm CST.
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?
Of course, we actually can not see any details on your payment method (other than the last 4 digits, for verification).
Can i request a phone consultation?
Absolutely, BUT:
Our customer support number is only given to our clients who are fully enrolled into our service. This eliminates getting repeated calls on pricing and basic information that is already answered online. Since our phone lines are always ringing, we prioritize our calls to our customer's case specific situations. If we didn't have these questions already answered online and allowed everyone to call just for pricing, timeframe, etc.- we would never have time to consult with our enrolled customers.
If there is one small question that was not answered on this page, please contact us or email info@StirgusCreditRepair.com and we'll respond within business hours of Monday-Friday 9am-6pm.
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Our customer support number is only given to our clients who are fully enrolled into our service. This eliminates getting repeated calls on pricing and basic information that is already answered online. Since our phone lines are always ringing, we prioritize our calls to our customer's case specific situations. If we didn't have these questions already answered online and allowed everyone to call just for pricing, timeframe, etc.- we would never have time to consult with our enrolled customers.
If there is one small question that was not answered on this page, please contact us or email info@StirgusCreditRepair.com and we'll respond within business hours of Monday-Friday 9am-6pm.
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can my credit get fixed fast?
Remember the old saying "if it sounds too good to be true"? There's tons of other "credit repair people" (probably not real credit repair businesses), claiming they can automatically fix your credit within a week, month, 24 hours, 72 hours, whatever it may be. Think for a second: If this was true, no one on earth would have bad credit. These fake stories confuses people and make it harder for the real companies, as we must continue to follow strict laws placed in our industry, due to those bad people who make those fake statements.
Sadly, people still fall for those fake credit lies and continue to get scammed daily.
Sadly, people still fall for those fake credit lies and continue to get scammed daily.
Will my credit score drop?
This is our favorite question and many people actually think we control this.
Credit scores ONLY drop when something negative is added to your credit report (see below):
You miss a payment on something-Your scores drop
You apply for financing (run your credit/add hard inquiries)-Your scores drop
You let an account go into charge-off status or into collections-Your scores drop
You leave balances on your credit cards on the reporting date-Your scores drop
You add new accounts/debt (shortening your average age of credit)-Your scores drop
Credit repair companies are not banks, nor report to credit bureaus. Also, us reviewing your credit will not place a hard inquiry on your credit reports.
Credit scores ONLY drop when something negative is added to your credit report (see below):
You miss a payment on something-Your scores drop
You apply for financing (run your credit/add hard inquiries)-Your scores drop
You let an account go into charge-off status or into collections-Your scores drop
You leave balances on your credit cards on the reporting date-Your scores drop
You add new accounts/debt (shortening your average age of credit)-Your scores drop
Credit repair companies are not banks, nor report to credit bureaus. Also, us reviewing your credit will not place a hard inquiry on your credit reports.
What if I have more questions before i enroll?
Don't hesitate to ask!
With our years of experience, we only designed this FAQ section to answer general questions that are asked daily and we usually know majority of the questions most people will ask us. Therefore, we still expect you to atleast have a question or two, that may affect you more directly. Please fill out our contact form or email us at info@StirgusCreditRepair.com and we'll respond to your questions within the same business day! (During business hours of 9am-6pm CST Monday-Friday)
*Be sure to check spam if an email is not received in your inbox*
With our years of experience, we only designed this FAQ section to answer general questions that are asked daily and we usually know majority of the questions most people will ask us. Therefore, we still expect you to atleast have a question or two, that may affect you more directly. Please fill out our contact form or email us at info@StirgusCreditRepair.com and we'll respond to your questions within the same business day! (During business hours of 9am-6pm CST Monday-Friday)
*Be sure to check spam if an email is not received in your inbox*
can i pay money upfront and not worry about future billing?
This is a new commonly asked question. As mentioned at the top of this list, we follow all guidelines provided in the Credit Repair Organizations Act (CROA). Therefore, we do not and will not accept any sort of funds paid to us up front. Us being in compliance with the laws we're required to follow, is much more important than accepting upfront money and facing potential fines.
Can i or do i need to meet in person?
Our service is fully online, just like most of our utility bills we all pay each month! Almost everything is online in today's world and our website already answer most questions upfront, plus it only takes a second to ask us any addition questions you may have, on our contact us page.
Due to our busy workflow and security, we do not operate by waiting for in-person consultations (that may never show up) and all of our enrolled customers, have our support number to ask any questions within a 3-5 minute phone call, from the comfort of their own homes.
Due to our busy workflow and security, we do not operate by waiting for in-person consultations (that may never show up) and all of our enrolled customers, have our support number to ask any questions within a 3-5 minute phone call, from the comfort of their own homes.
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 tons of happy clients who enroll each month! Many companies don't take the time to be transparent or honest with their customers and it leads to headaches or misunderstandings. We thank you for taking the time to read the FAQ's above and if you're ready to get started, feel free to get the ball rolling by clicking the sign up button!
