Just click on any question below to see our answer. We hope these brief exchanges will provide you with inspiration and insight as you continue your credit repair journey.

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Credit Repair Q & A

How Credit Repair Works

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

Self Credit Repair

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

Credit Repair Benefits

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

What Credit Repair Cannot Do

Are there any issues that credit repair cannot resolve? Get Answer »

Credit Repair and CCCS

Can credit repair work with consumer credit counseling or a debt settlement program? Get Answer »

No Changes Yet

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

Credit Repair Caution

Can credit repair hurt my credit? Get Answer »

Credit Repair in a Big Hurry

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

Start Credit Repair or Wait

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

Complete Wreck

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

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.