Inspiring Conversations with Christopher Stirgus of Stirgus Credit Repair, LLC

Today we’d like to introduce you to Christopher Stirgus.

Hi Christopher, thanks for sharing your story with us. To start, maybe you can tell our readers some of your backstory.
My name is Christopher Stirgus, owner of Stirgus Credit Repair. About 10 years ago, I worked in the car sales/finance industry, which was very dependent on consumers with great credit scores.

As time went by, I began noticing the amount of consumers who struggled with their credit scores. Some were very uneducated with credit, therefore they had zero credit or lacked established credit history. Then there were some who had terrible credit history, with items reporting they weren’t even familiar with.

Of course by me being in sales, if the customer was unable to get approved for financing, I would not make my earnings in sales. With this being said, there was 1 month where I did not sell any cars, nor closed a deal. This was not due to my work ethic or by me not going to work. In fact, during this particular month, I worked open to close each day, including every off day, so I can eventually close a car deal. Every customer I came across could not get approved for financing, due to their credit situation.

At the time, I had no idea there were ways to help consumers improve their credit scores. However, a thought came across my mind, and I thought of ways to help these customers improve their scores, so they can eventually buy a car from me.

Eventually I found out “credit repair” was an actual thing. In fact, there were services and companies that exist-primarily assisting consumers with their credit scores! I was very impressed and my initial thought was to reach out to these companies and see if I can get a commission, if I referred these people to them. Then a second thought came, what if I figure out how to help people myself (for free) and they can eventually buy a car from me!

Weeks went by and I threw the entire idea away. I figured no one would trust that or no one would take me serious, if I offered to work on improving their credit scores. A year later, I went through another rough month (due to consumer’s credit scores) and I decided to start helping close family & friends with their credit scores, as I studied reasons why a negative item can be removed, things I can request debt collectors to prove, etc.

A few months after that, I decided to officially create a small business (while still in car sales), offering to assist consumers with their credit issues. I went through all the business registration process and all other requirements to operate in the credit repair industry.

Shortly after launching my business, I was able to get my first customer, who couldn’t get approved for a vehicle. I was able to assist her and was able to remove a few erroneous items from her credit report, along with advised recommended actions she needed to take. About 3-4 months later, her scores increased 80 points and was able to get approved for financing.

About 6 months later, I had over 100 clients enrolled with Stirgus Credit Repair and I decided to shake hands with my boss and put my full focus on my business.

Fast forward to today, Stirgus Credit Repair has over 1,000 clients currently enrolled!

I’m sure it wasn’t obstacle-free, but would you say the journey has been fairly smooth so far?
Operating a business is never a smooth road 24/7. There were and still are several challenges in this industry. Examples of them are:

-Our clientele are consumers who are already struggling financially and may not care to improve their credit scores, as inflation and cost of homes/vehicles defeat the purpose of them having good credit.

-50% of our leads are skeptical on using a service to assist them with their credit scores.

-TSR (telemarketing sales rule), which prevents all companies (the credit repair industry being included in this list) from marketing by phone, until the consumer is a client. Meaning we can’t contact a lead by phone, unless they have signed up for our services.

-CROA (Credit Repair Organizations Act), which prevents us from collecting payment, until the first round of work has been preformed. Meaning we offer a free trial, pay to ship out their documents, spend time consulting, and “hope” to get paid, if they decide to continue after their free trial.

-So many scams or “online gurus” ruin it for the real companies in this industry. Everyone is on Youtube or Tiktok, spreading false information about how to improve credit scores by 100+ points in 24-72hrs or how you can automatically remove anything you want from your credit, and of course the entire world believes this is real.

We’ve been impressed with Stirgus Credit Repair, LLC, but for folks who might not be as familiar, what can you share with them about what you do and what sets you apart from others?
Stirgus Credit Repair is an online service, that assist consumers with improving their credit scores. Our main targeted audience are those who are affected by negative items, which are preventing them from buying real estate, vehicles, etc.

One thing that sets SCR apart from so many other companies, is we’re very transparent are in-compliance with all regulations. We’re honest and straightforward, which is another reason why we start the process for free!

We offer so much free credit education as well. Our podcast is called “It Pays To Have Good Credit” and there’s many episodes that explains everything you need to know about credit, and episodes of guests who used credit to improve their business/overall living.
We also have a book available on Amazon, which is also called “It Pays To Have Good Credit”.

So even if you don’t need our actual service, but still wish to at least educate yourself or someone you know, we still have you covered with our free credit education!

How can people work with you, collaborate with you or support you?
To use our service, the easiest and fast way to enroll, is by visiting our website: www.StirgusCreditRepair.com and following the sign up prompts.

For support, feel free to follow our main social media platform, which is Stirgus Credit Repair on Facebook.

Or subscribing to our main platforms for credit education, found on Spotify & Youtube, by searching “It Pays To Have Good Credit”.

We also have a free FaceBook community called “It Pays To Have Good Credit”, where anyone can ask credit related questions and we answer them for free! We even show some of the behind the scenes work on our end, to those who wish to work on their credit themselves!

Lastly, we have a free affiliate program, under the partners page of our website. For those who in industries such as, realtors, auto sales, etc-they can create their free parter account and manually refer their leads to us. We even pay affiliate commissions (if they wish to accept).

Pricing:

• Individual service fee: $100/mo after free trial
• Couples service fee: $150/mo after free trial

Contact Info:

• Website: https://www.StirgusCreditRepair.com
• Instagram: https://www.instagram.com/stirgus_credit_repair?igsh=ajFxM3VqOWYydm9x&utm_source=qr
• Facebook: https://www.facebook.com/share/173W4YgjPC/?mibextid=wwXIfr
• Youtube: https://youtube.com/@itpaystohavegoodcredit?si=oZogeCbskVO-UPMz