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Sky Blue Credit vs Credit Repair

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SKY BLUE CREDIT

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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CREDIT REPAIR

Credit Repair is a Florida based company that has been in the business of helping consumers improve their credit since 1997. Credit Repair has partnered with TransUnion and Equifax, the two largest credit reporting agencies, to provide the most efficient and informed assistance.

The Credit Repair process involves three steps in getting results. Upon signing up, Credit Repair instantly pulls a credit report to identify potential problems and identifies the customers goals. The second step includes challenging the banks and finance companies with reporting inaccuracies. Credit Repair also follows up with the credit reporting agencies to confirm that corrections were made. The last step is to make sure your credit score improves.

Credit Repair stands out from the crowd with their interactive and helpful tools. Customers appreciate the online and mobile access to monitor progress, the customized game plan, monthly credit reports and quarterly updated credit scores, credit alerts, identify theft insurance, friendly, expert customer service team, and straightforward pricing. Credit Repair's services do not come with contracts or hidden fees.

Credit Repair delivers results. Historical reporting shows that customers with Credit Repair typically see 7% of their questionable credit reporting problems resolved each month. Credit Repair charges customers an upfront fee for the initial credit report and then a fixed monthly fee for continued services.

Credit Repair not only provides credit repair services but on going proactive measure to help keep you out of financial trouble that might impact your ability to get a mortgage, buy a car and more. Additional tools at this website include an extensive library of financial related articles and education including credit improvement, loans, debt solutions, identity theft, savings and more.

Credit Repair offers callers a free credit consultation, which includes a free credit report and credit score. While Credit Repair is a little pricey, we think they're well worth it. This company is a full service credit repair and financial improvement center. We liked the multiple services related to improving and maintaining a healthy credit report. If you are in the market for a credit repair service Credit Repair is worth a long look.

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Credit Repair Services

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

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.

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!



Choosing a Credit Repair Company

If your credit score needs some professional help here's how to search for a quality credit repair company.

Start at the Computer
Searching online for a credit repair company provides many benefits in finding and choosing the right service provider for you and here's why:

  • If you do your credit repair research online you avoid the annoying sales pitch from a pushy salesman that is most concerned about their next commission check.
  • Perform your research when it's most convenient for you, in the quiet of your home and without children playing or co-workers nearby.
  • The internet allows you to quickly identify the services of several credit repair companies at once. If you are looking for credit dispute offerings plus advice on how to improve your credit score long term you can easily identify what companies offer this level of service.
  • Knowing what several companies charge for their repair services provides you the knowledge to make an educated decision. Feel confident that you are improving your financial outlook and doing so while saving money over other providers.
  • The internet will allow you to read and educate yourself on the Fair Credit Reporting Act that governs credit agencies, promotes accuracy in reporting and regulates how negative information is reported and disputed.

Look for These Characteristics
When searching for the best credit repair company look for the following characteristics in a quality company before making your selection:

  • Make sure you identify a credit repair company with a solid reputation before considering it a worthy contender. Look for red flags like promises to wipe your credit clean with little effort, a request for a large payment upfront to cover costs, or discussions of creating a new identifier to fool the credit agencies.
  • Make sure you understand what you're signing up for. Will you be obligated to use the service for a specified period of time? Do they identify rules on how many disputes they will file in a specific period? Make sure you read the fine print and understand their policies before moving forward.
  • When you're working closely with your credit repair service you'll appreciate the convenience of companies that offer an online account for you to monitor the status of their efforts. Companies that require a lot of hand holding, phone calls, and emails are not going to be efficient.
  • You'll want credit repair company that puts the customer first. Companies that fail to return calls timely or are unprofessional on the phone are going to wear thin over time. Make sure you identify if your credit repair company of choice prioritizes the customer.

 



Credit Repair In The News

How to fix your credit

though in many instances seeking help from a credit repair company is the fastest way to fix your credit score. People with bad to terrible credit (300-629) who can't get a job, loan, mortgage or credit card because of their low credit score People with ...

Published:  Sun, 17 Jun 2018 21:24:00 GMT



The Myth Of Credit Repair

The ads from credit repair companies pop up everywhere-on telephone polls, in newspapers, on TV and radio, in your email and on the internet. You'll see similar claims over and over. But can credit repair companies be trusted Consumer credit ...

Published:  Sun, 10 Jun 2018 17:00:00 GMT



Avoiding credit repair scams

LAKE CHARLES, LA (KPLC) - Each year, hundreds of thousands of Americans find themselves in financial ruin and many often turn to third parties, like credit repair organizations, for help. But according to the Lake Charles Better Business Bureau, many ...

Published:  Fri, 01 Jun 2018 20:26:00 GMT



Can Credit Repair Companies Really Improve My Credit Report

The answer is maybe -- but they can't do anything that you couldn't do yourself, for free. Anything on your report that's bringing down your credit score is going to stay on, if it's accurate information. So if a credit repair company promises to remove ...

Published:  Wed, 02 May 2018 14:00:00 GMT



How to Repair Your Credit When You're Still in College

If you're in college, you're probably already worrying about getting good grades, covering your living expenses, and repaying student loans when you graduate. So, worrying about your credit score might not be your biggest concern. But it should be.

Published:  Tue, 06 Mar 2018 03:43:00 GMT



Montgomery credit repair company shut down, accused of deception

A Montgomery credit repair company has been permanently closed for deceptive and illegal practices, according to Alabama Attorney General's Office. Attorney General's Steve Marshall's office reached a settlement with Scott's Credit Repair and its ...

Published:  Mon, 30 Oct 2017 21:29:00 GMT



Four Credit Repair Agencies Accused Of Misleading Customers, Charging Illegal Fees

Four different "credit repair" operations have been ordered to pay a total of more than $2 million in penalties for allegedly tricking people into thinking their bad credit could be easily fixed. The Consumer Financial Protection Bureau announced today ...

Published:  Tue, 27 Jun 2017 11:12:00 GMT




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