Credit Repair Questions & Answers

Credit Repair

How does credit repair work? What can I expect if I join your program?

Here is a quick overview of the process that you will experience if you decide to join the Sky Blue credit repair program today. Read More »

I was thinking of doing my own credit repair, is there any reason I should hire a credit repair service instead?

Doing your own credit repair can be very rewarding. We have offered support to the DIY community for many years. Our popular Credit Repair Blog features hundreds of original articles and tips on self credit repair. Read More »

My credit scores are decent, in the mid-600s, can credit repair benefit me?

Every point on your credit score matters! Credit repair offers benefits to anyone who would like to improve their score. The FICO scoring model goes as high as 850. We are aware of lenders that employ tiered interest rate pricing schedules which trigger rate differences up to a credit score of 780. Read More »

Are there any issues that credit repair cannot resolve?

Credit repair can make a major difference in your financial life. In addition to the significant financial benefits that come from having great credit there are many psychological benefits as well. But credit repair cannot do everything! Read More »

Can credit report repair work with consumer credit counseling or a debt settlement program?

It is possible to dovetail credit repair services with consumer credit counseling or debt settlement, but it must be done with care and the benefit will normally be limited to issues with accounts that are not included in your repayment program. Read More »

I’m three months into the credit repair program and I have not seen any changes in my credit score. What’s wrong?

There are several reasons your credit score may not have improved thus far in your credit repair program. You have to understand that credit scores are based on the total content of your credit report. Read More »

Can credit repair hurt my credit?

Credit repair must be approached with a degree of caution. Done right, there is no risk involved in the credit repair process. The basic credit repair process involves sending letters to the credit bureaus. Read More »

Is there anything that credit repair can do to improve my scores in a big hurry?

Yes! There are many ways that credit repair can boost your credit scores in a short period of time. And our approach to credit repair will insure that every opportunity is taken advantage of. Read More »

I’m thinking of entering a debt consolidation program. Is there any point to starting credit repair now, or should I wait?

Unless your debt consolidation is limited to a small number of your accounts you should wait until your debt consolidation program is completed. Read More »

I have made many mistakes and my credit is a complete wreck. Can credit repair really help, or am stuck waiting the seven years?

Credit repair can really help! Conversely, ignoring your credit in the hope that your issues will gradually fall off by themselves would be a sad mistake. Read More »

Credit Repair

Credit repair, at least the way we see it here at Sky Blue, should involve a comprehensive approach to credit improvement. The real usefulness of good credit is in the effect it has on your financial life. When you borrow money, be it for a car, home, or consumer purchase, the interest rate you will be assigned will be based on your credit score. And every single point counts.

A comprehensive approach to credit repair includes a thorough cleanup of your three bureau reports, the identification of any deficiencies in the content of your credit, the identification of all score optimization opportunities, and the development of a plan to implement meaningful solutions.

Credit repair should never be limited to a dispute only approach. Disputes alone may get you half way to your goal, but in the world of credit a goal half achieved can never be satisfactory. In fact, it is very conceivable that you could have significant dispute results and still see your credit scores fall. It is crucial to your credit repair success that the content and structure of your credit report be shaped to optimize your scores.

Credit repair has never been as important as it is today. Lenders are more credit sensitive than in years past. Your ability to borrow, as well as the interest rate you receive on your loans depend on your credit. You may have much to gain from credit repair even if your scores are over 600. The financial benefits of incremental score improvement can be significant. Everyone should consider an occasional credit tune up.

It is also worth noting that credit repair is not the cure for everything! Credit repair will not eliminate the need to pay your legitimate bills, nor is it a substitute for bankruptcy. If your financial situation has become so stressed that you are unable to meet your obligations you should consider speaking with a bankruptcy attorney to explore your options.

If you are considering credit repair we encourage you to take the first step today. We will be happy to speak with you to evaluate your situation and determine the potential benefits of credit repair. Your credit is important. You should take action today.