How it Works

1. Getting Started

Complete our simple online enrollment form. Within minutes you will receive an email with easy instructions on getting us a tri-merge (three bureau) credit report.1

We will also ask for some personal ID to facilitate the prompt processing of our disputes with the credit bureaus.2

12 See Footnotes below for more information
2. Review and Setup

Upon receipt of your credit report we will conduct a meticulous line-by-line review, note your issues, and email you the list of items we have identified as dispute candidates for your review.3

As appropriate, we will also email you a list of practical score optimization and rebuilding tips applicable to your situation.

3 See Footnotes below for more information
3. The Dispute Process

We will challenge your erroneous items with the credit bureaus. They will send responses directly to you so you can see the results as they occur.4

If the items challenged are not corrected we will automatically send customized re-disputes designed to maximize the probability of achieving the desired outcome.

4 See Footnotes below for more information
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Footnotes

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.