Why I Recommend Sky Blue Credit Repair
I struggled with my own bad credit for many years and didn’t quite know how to go about dealing with the situation. After doing some research online, I was quickly overwhelmed with the abundance of credit repair services that could be found. Ultimately, I discovered Sky Blue, a Florida credit repair service.
In this review, I hope to share my experience with Sky Blue credit repair with those who want to know more about their services.
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My Original Credit Situation
One day, I tried to get a car loan – the credit check ran on me indicated that my credit score was around the mid 500s. Obviously, this number isn’t really good and I got declined for my loan. I was advised that a co-signer could help my situation or I could always decide to get financing from those used car dealerships who offer on-site financing options. I wasn’t very hot with this idea considering my past experience with them, so this really wasn’t an option for me at this time.
After thinking it through, I decided that it’d be a better idea to try and improve my credit score a little and then try with the car loan again at a later time. As I said before, I found Sky Blue online while doing research. I read some reviews on the company and I was impressed to read all the testimonials from customers who had a great experience with them since they first started in 1989. The Better Business Bureau also gave them an A+ rating and they have the Fair Credit Reporting Act Certification.
When I finally decided to go ahead and sign up with their credit repair service, I was surprised to realize how easy it was! The whole process took a few minutes at most. They asked for my personal information as well as my billing information. After I finished signing up, I received a confirmation email with more information about the services in general as well as the different ways to get them copies of my credit reports.
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What Does Sky Blue Do Exactly?
After they have received your credit reports, Sky Blue can get started on discovering what really affects your credit. There are many different things that can hurt your credit score such as late payment on bills (even if you paid them on time), mistakes on your reports, etc.
After having thoroughly reviewed your credit reports and marking all the items that make your credit score go down, Sky Blue will dispute all those items for you. Often times, late payments and other erroneous items can be put on your credit score without being truthful – if they cannot be proven accurate, these items have to be removed from your file. Correcting those little mistakes and taking care of erroneous late payments can greatly improve your credit score and make a difference on your file.
On top of this, Sky Blue also offers credit counseling sessions in order to give you all the information needed to learn about good credit habits and how to maintain your good credit rating. They can also assist in finding loans for you, by identifying lender requirements that you do meet, or helping you meet those requirements.
So How Did Sky Blue Help Me?
It took 8 months on my part with Sky Blue to get the results I wanted. It may seem like a long time but it can definitely help you out with any credit issues you are having. I chose to work with Sky Blue because this way I wouldn’t but putting off my credit repair and would have someone to assist me in the long run.
Once I finished my 8 months with Sky Blue, I really did notice a change in my credit ratings. I started with a credit score in the mid 500s and ended up with scores averaging 675! This difference is rather important and because of it, I finally got a new car without having to ask a co-signer to help out with the loan. I have to say that it was definitely worth it!
After this 7 months period, I stopped my work with Sky Blue simply because we did all we could. Sky Blue couldn’t find any items to dispute at this point and it was now up to me to maintain my newly obtained good credit score by making all my payments on time. I also learned how it is possible to order your credit reports yourself in order to find any mistakes or erroneous items. It definitely empowered me to learn how to dispute the items myself, if need be.
The Costs Involved
Sky Blue is a really affordable service, which is great for most of us. Here is a breakdown of the costs I paid:
Initial Fee – $49 – After signing up, you will have to pay an initial fee, which was charged 6 days after I filled out the application. The 6 days period is great because it gives a bit of time to Sky Blue to review your file and decide if they can or cannot help you, before charging you the initial signup fee.
Recurring Monthly Payment – $49 – Every month, you will have to pay this $49 fee, starting one month after you paid the initial fee aforementioned.
- You don’t have to choose between dozens of different service levels with Sky Blue. You get access to all their services with one affordable fee.
- Ask for discounts; for example, if your partner signs up with Sky Blue as well, she or he may be eligible for 50% off their monthly payment.
- You are able to cancel the services anytime you want and you are not bound by a contract.
All in all, I must admit that I am very satisfied with the services I received from Sky Blue. It was very easy to get in touch with their team of employees through phone and email and I received an answer to all my questions. In all they did help me improve my credit score by close to 125 points, which really makes a world of difference.