Sky Blue Credit is a professional credit repair service. They will work using the Fair Credit Reporting Act and will dispute questionable information on your credit report. This has to be done with each of the major credit bureaus.
Sky Blue Credit has been in the credit restoration services since 1989. They are compliant with the Credit Repair Organizations Act, a federal law that governs the credit repair industry.
How Sky Blue Credit Repair Works
1. Complete The Online Enrollment Form
You must complete the online enrollment form at http://www.skybluecredit.com/. This form is going to ask for your name, address, and other relevant personal information. You will additionally need to provide a credit or debit card to pay Sky Blue Credit.
They have one level of service and one price for all clients. This is a low $49 monthly fee. There is an additional setup fee of $49. According to their website this setup fee is charged “six days after your enrollment.” It is standard for credit repair firms to require an initial setup or first work fee.
2. Purchase Your Tri-Merge Credit Report
Once you complete your online enrollment form. You will get an email from Sky Blue Credit requiring you to go and purchase a tri-merge credit report. A tri-merge credit report is a fancy word for your credit report from all three credit bureaus, as in it’s combined.
This purchase will be made through a separate, non affiliated credit monitoring service. According to Sky Blue Credit prices will vary from $14.95 a month to $29.95 a month for this credit monitoring service. Once you get your tri-merge credit report you will need to send this to Sky Blue.
3. Review Of Your Credit History
Sky Blue Credit is going to “conduct a meticulous line by line review” of your credit report. During this review they are going to identify the bad credit items which include: charge-offs, debt collections, late payments, repossessions, foreclosures, and more.
Next, they are going to send you an email that identifies these items. This email is to make sure that you want them to proceed with the dispute process for each and every bad credit item. This step, is more to comply with federal regulation. Federal law says that you are only legally allowed to dispute items that you believe are questionable on your credit report. In other words, you have to believe these items are incorrect.
4. The Real Work Is In The Dispute Process
Congress originally passed the Fair Credit Reporting Act as an attempt to protect consumers from having errors on their credit report. It also gives every citizen the right to dispute a credit report item they believe is a mistake.
However many experts say as a result of big business influence, the credit bureaus have manipulated the system. The credit bureaus do not like to investigate your dispute or any consumers credit report dispute. This is because it costs the credit bureaus money.
The money the credit bureaus spend investigating disputes is money that would otherwise be profit. It is only because of the Fair Credit Reporting Act that the credit bureaus do investigate consumer disputes. That statement is debatable because the credit bureaus have been fined by the Federal Trade Commission (FTC) for not complying with federal law and investigating disputes.
One of the most notable fines issued by the FTC to all three of the major credit bureaus alleges that the bureaus were ignoring consumer disputes. Reports say people that used the credit bureaus dispute system by phone had been ignored or forced to wait on hold for unreasonable amounts of time.
This is why correcting your credit report is so difficult! It is simple dollars and cents. However federal law does protect you. And while the credit bureaus are going to make you jump through one hoop after another. It can be done. If you hire a professional credit repair service such as Sky Blue Credit. They will continue the credit dispute process and make sure the credit bureaus do investigate.
Sky Blue Credit Repair Service Review
The biggest benefits of expert credit repair help is they will keep you organized. The credit bureaus have been able to find holes to avoid consumer disputes.
We have heard credit bureaus will blacklist certain consumers. If they file a dispute for an item that is not on that credit bureaus credit report. In other words, the credit bureaus are looking for any and every way to avoid your dispute. Sky Blue Credit will work legally to delete bad credit for you.
They offer discounts to spouses and have a low $49 monthly fee. Keep in mind, you may need to spend an extra $15 – $30 to purchase your tri-merge credit report once you join the Sky Blue Credit repair program. For full details about Sky Blue visit their official website at: http://www.skybluecredit.com/.
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