1We require a tri-merge (three bureau) credit report to get started. Upon signup we will provide a list of credit monitoring services where you can obtain your report in minutes. Prices range from $14.95/month to $29.95/month. After obtaining your report you may wish to continue membership for the benefits of credit monitoring and access to a new tri-merge report each month, but it is not required. Sky Blue Credit is not affiliated with or compensated by any companies it suggests.
2The credit bureaus often request personal identification prior to processing a dispute. By providing it up front we minimize delays - and significantly improve the efficiency of the process. We will ask for one piece of identification to document your current address, and one to document your Social Security number, and will provide a list of options at signup.
3We will identify the derogatory accounts on your credit report which do not meet reporting rules, as well as questionable items you may wish to challenge, and email you an easy-to-read list for your approval. You may add or subtract items yourself, or request a personal consultation prior to starting the dispute process.
4We send dispute letters to the three major bureaus, Experian, Equifax, and TransUnion. Unless your situation dictates otherwise, we dispute 15 items (5 items per bureau) every 35 days.