Has your credit score been falsely penalized? Is your credit score low and in need of help?
Every major financial decision that you make is directly or indirectly affected by your credit score. Credit score is based on your credit reports, which are compiled and maintained by the three credit bureaus — Equifax, Experian and TransUnion.
They collect data from financial service companies that are in the credit/lending business and maintain the credit reports based on this data. It’s your complete credit history.
Thankfully, Sky Blue Credit Repair can help with a wide range of issues regarding credit.
This review will explain how Sky Blue Credit Repair can aid you in repairing and boosting your credit score.
How Does the Service Work?
Fill out a simple form and sign up. You will have to provide your credit card details, but you won’t be charged immediately.
The first review/setup charge will come into effect about a week later. You will have to spend an additional fee to access your 3-bureau credit reports and hand them over to Sky Blue Credit for review.
Sky Blue’s credit experts will conduct a thorough review of your credit report and show you the problems on your report that are candidates for dispute.
They will also inform you if some of the problem can be fixed by simple actions on your end and don’t need to be disputed.
The company will follow the appropriate dispute procedures for credit bureaus and follow up with them for the best results.
You can keep a track of the progress regarding the disputes online.
What Kinds of Credit Problems Can They Help With?
Sky Blue Credit takes care of most credit problems.
- Charge offs
- Past due accounts
- Tax liens
- Late payments
They also take on tricky credit problems.
- Identity theft
Note that Sky Blue disputes a total of 15 items every 35 days, i.e., 5 items with each credit bureau.
They also have in-house debt settlement consultants and also offer other services like goodwill letters and debt validation at no additional cost.
Plans and Pricing
- There is a base of $69 for setting up your account and reviewing your credit report.
- The monthly charge is $69, which will be charged 30 days after the initial sign up.
- They have a separate plan for couples, which is priced at $99 per month. Here, couples essentially means two people who pay certain bills together such as a mortgage or car loan. It is not restricted to married couples.
- In addition to this you will also have to pay to access your 3-bureau credit report. You have the option of signing up with a monitoring service that provides a 3-bureau credit report every month. This is priced at $14.95 per month. Alternatively, you can buy the credit reports for $39.95, which is a one-time charge.
Note that they offer a 90-day money back guarantee. So, if you’re not happy with the service, then you can request a refund and you will be reimbursed. You will either receive in part or in full, the total amount you have paid up until the request. This is valid up until 90 days from the date that you signed up.
About Sky Blue Credit
Sky Blue Credit was founded in 1989 and are based in Boca Raton, Florida. They have the requisite licenses and registrations required to operate from the attorney general’s office, in states where this is applicable.
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- Low monthly charge.
- 90-day money back guarantee.
- Close to three decades of experience.
- Handles a high number of disputes.
- Initial setup fee is quite high.
- Extra charge for accessing credit bureau reports.
The Bottom Line
Sky Blue Credit Repair is an experienced service that can help you deal with stubborn credit bureaus and remedy various issues regarding your credit score. They can help you dispute up to 15 issues every 35 days and will inform you of things that you can easily fix on your own.
There is a base fee of $69 to set up an account and view your credit score. 30 days after the initial payment, you will begin paying a monthly fee of $69 dollars.
For couples, there is a charge of $99 dollars per month. This plan helps couples with bills such as a mortgage or a car loan. It is not restricted to married couples.
However, if you are unsatisfied with the service there is a 90-day money back guarantee. You will also have to pay in order to access your 3-bureau credit report.
Sky Blue Credit Repair has in-house debt settlement consultants as well as offering other services like goodwill letters and debt validation at no additional cost
Sky Blue Credit Repair is an experienced and useful service that can help you deal with a wide range of credit issues, including credit score repairs.