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Sky Blue Credit vs The Credit People

Best Credit Repair

To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of Sky Blue Credit and The Credit People.

To see ALL of our reviews for the Best Credit Repair Services, please Click Here

Your credit score and credit history are extremely important pieces of information. They are used to determine how much home you can afford; what your payments will be on your car; whether you qualify for credit cards; and even how much you'll pay for auto insurance.

Many times, however, people find their credit history contains negative information. This can range from late payments or too many credit inquiries, to collection agencies or inaccuracies. This negative information can restrict your purchase options and drive up your costs.

Continue reading below reviews

Best Reviews

2018

Credit Repair Reviews

5 stars
Sky Blue Credit

SKY BLUE CREDIT Visit Site

Cost:

$59 one-time setup fee

$59 monthly charge

Phone:

1-888-906-1327

TopConsumerReviews.com Best-In-Class Blue Ribbon Award Sky Blue Credit Repair provides personalized service and over 20 years of experience to help customers with credit problems. They have a strong knowledge of the FICO scoring method, the laws that govern the credit reporting process, and the methods used to rebuild credit. You won't run into hidden fees with this company and you only pay for the service as long as you need it.

To get started, the Sky Blue Credit Repair process is very straightforward:

  • You sign up with Sky Blue online
  • You obtain your credit reports and send to Sky Blue
  • Sky Blue examines your reports line-by-line, identifying the items that are harming your score and the opportunities to improve it
  • Sky Blue challenges the credit bureaus with erroneous items and stays on them until they are cleared up

Sky Blue charges a low one-time $59 setup fee and only $59 a month thereafter for their service. Included in this service is unlimited credit bureau disputes and debt validations. Sky Blue also provides comprehensive counseling services when needed. For married couples, Sky Blue encourages your spouse to join as well, and they even offer a 50% discount on your spouse's monthly fee.

If you still have insufficient credit after Sky Blue Credit Repair has disputed and corrected the erroneous items, Sky Blue counselors use their experience to guide you through the process of continuing to build your credit and improve your credit scores. Utilizing a variety of options and subtle adjustments, this valuable service helps make sure your credit repair is a success.

The representatives at the Sky Blue customer service department (1-888-906-1327) are knowledgeable and very friendly. And if you aren't satisfied with the service you receive from Sky Blue Credit Repair, they will refund your money in full - no questions asked. This is perhaps the most simple and reassuring guarantee in the business.

Sky Blue Credit Repair provides a very high quality credit repair service. They are free of any hidden fees and have no large out-of-pocket expenses. The customer service associates are knowledgeable and friendly, and our research has shown a large base of people that praise their attentiveness, effectiveness, and service level. They've even earned the prestigious Fair Credit Reporting Act Certification from the Consumer Data Industry Association. Their satisfaction guarantee is among the best we've found and are member in good standing with the BBB (Better Business Bureau). For all these reasons, Sky Blue Credit Repair earns our highest rating.

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4 stars
The Credit People

THE CREDIT PEOPLE Visit Site

Cost:

$316 for unlimited service

Phone:

1-866-888-2197

The Credit People is the self-proclaimed "#1 Credit Repair Solution Online," and if customer recommendation is a pull for you, then you'll find plenty of testimonials from people whose financial lives have been changed with their affordable services. They offer credit repair for those currently being rejected on anything from a home loan, a refinancing option, or a newer vehicle, but also offer assistance with financing tips for buying a home, managing rent, getting a car, opening a business, refinancing vehicles, and obtaining good quotes on both auto and health insurance. Their FAQ page also provides information regarding what can and can't be removed from a credit report.

The Credit People doesn't promise to deliver anything fancy; their promise to you is credit repair in a quick and timely manner. They only offer one type of service at one rate of cost: a one-time set-up fee of $19, which is charged with your first of 3 payments of $99. If you pay the full cost for The Credit People's services upfront, they will waive the set-up fee so the total cost to you is $299.00. And they won't forget about you after your first payment; The Credit People will contact credit agencies for negative items on your behalf until either proof is provided or the negative mark is removed. With The Credit People, you can expect to see positive results on your credit reports within 45-60 days. Plus, there are no additional costs for additional services.

Their website provides helpful information, including how your credit is calculated, how good credit can help you get a new car or a new home, and tips on obtaining and keeping good credit. They also provide full disclosure statements regarding the Fair Credit Reporting Act (FCRA), the Fair and Accurate Credit Transactions Act (FACT Act), and the Fair Debts Collection Practices Act (FDCPA), as well as the benefits of reviewing your credit report and credit score regularly. As they dispute the negative items on your personal credit report, they keep you updated with reports every other week sent via email, as well as the updated credit reports from the credit bureaus. If you are unsatisfied with the personal value of The Credit People's services, they'll give you a full refund of every penny you've paid.

While not a member of the Better Business Bureau, no complaints have been filed with the BBB against The Credit People. Enrolling with their service is easily done online through their secure server. For easy, unlimited credit services on your behalf, The Credit People provides affordable credit repair online.

Visit Site

Continued from above

A good credit repair service will take on these negative items in your credit history and work to remove them or reduce their severity. They can work directly with the credit bureaus, your creditors, and collection agencies, and use a variety of tactics to get them to stop reporting negative information.

Unfortunately, there seems to be just as many fraudulent credit repair firms running scams as there are legitimate credit repair services. There are a number of features to consider when comparing credit repair services. Some of these include:

  • Effectiveness.  Do they have a successful track record of improving credit scores?
  • Cost.  How do their fees compare with other credit repair services?
  • Guarantee.  Do they back up their service with a refund policy?

TopConsumerReviews.com has reviewed and ranked the best credit repair programs available today. We hope this information helps you reestablish your good credit right away!

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