Credit is something we all face in our adult lives. It decides a lot of things for us like what apartment we can rent, which house we can afford, and what car we drive. On top of this, it also can keep us from reaching major milestones in our lives. It’s a powerful thing, which is why it’s important to keep it in good standing.
Today we’re going to look at the various Sky Blue Credit Repair reviews, including our own, and help you decide if this is the right company for your credit repair needs.
General Opinion on Sky Blue Credit Repair
We’ve discussed Sky Blue Credit Repair before here on DebtSteps and we found them to be one of the best options for credit repair. They have a great history of helping others repair their credit, and some other attractive benefits:
- $59 per month or $99 for couples
- 27 years of total experience in the credit industry
- A+ rating from the BBB
- 100% money back guarantee
- No Contracts, cancel when you like
- Up to 15 disputes per month
The speed at which they are able to process disputes, combined with the price, make Sky Blue Credit one of the best options and it explains the positive reviews we found in our research. They are able to process 5 disputes for each credit bureau for a total of 15 disputes per month, per customer.
The letters they send out have a nice personal touch, unlike the template letters they tend to send to others. The affordable pricing also makes this a great company to choose, and their couples discount is great for husband/wife situations where they both need credit repair.
Looking at customer Sky Blue Credit Repair reviews online, people have had great experiences with them. This is great to see, as we recommend judging credit repair agencies based on their prior success.
For example, user Yepiusedit discussed their experience with Sky Blue Credit on the Credit Karma forums. In their response, they spoke about their experience using the service for 3-4 months. During this time, they had 7 items removed from their report.
As a result, their credit score from all three bureaus went up a whopping 100 points! They also made a great point when they acknowledged the possibility to DIY credit repair. This requires a lot of time and expertise that most people don’t have.
Another user by the name of shop74 claimed that they had timely and responsive service from Sky Blue Credit Repair. Their score went up 30 points in a single month after five successful disputes.
On the other hand, some people have reported not having any success in their time with SBC. This is bound to happen in some cases, and it highlights that credit repair is not a perfect process. Everyone’s situation is different, and results will vary greatly from person-to-person.
Despite this, we recommend Sky Blue Credit as a credit repair agency for their experience, pricing, professionalism, and prior success. If you’re someone who has a low credit score, let’s take a look at some reasons why credit repair may be right for you.
10 Signs You Need Credit Repair
Before we get started, you’re probably asking yourself why you would hire a company like Sky Blue Credit to repair your credit. While it’s true that you can DIY credit repair, there are several obstacles that stand in your way like a knowledge of the credit laws and the ability to quickly produce dispute letters.
A company like Sky Blue Credit can offer credit repair services that work quickly and efficiently. More than that, they can also help you build smarter spending habits and forge a better future for yourself.
If you’re on the fence about credit repair, let’s look at 10 signs that you’re in need of it today:
- Your Latest Application Was Denied
This first sign is a scary one. You applied for a credit card and the application came back denied. Now, this doesn’t necessarily mean you need credit repair, because there are a lot of reasons why a card would be denied. That being said, if you are denied you should obtain a free copy of your credit report and see if the reason behind the denial was from your score or not.
- Your Can’t Have Utilities in Your Name
When you set up electric services at your home or business, they run a credit check to see if you are approved to do so. If you’re denied for something like this, it’s a strong sign that your credit is in need of repair. When this happens, you should again obtain your credit reports to see what negative items are dragging your credit down.
- You’re Getting Collection Calls
If you’re getting calls from collection companies, it means that one or more of your accounts have been charged-off. This is what happens when payments have not been received for over 180 days and the creditor has decided that they will not get the money back that they lent you in a timely manner.
This is one of the worst situations for credit, and in these cases the debt is sold off to a collection agency, which is why you’re getting the calls. If this is happening to you, it’s time to find a credit repair agency.
- You Need a Cosigner For Anything
When you’re applying for a credit card, loan, or renting a house, a credit check is done to see if you’re going to be approved. If your credit is too low to be approved on your own, in these cases a cosigner is required.
Cosigners take the responsibility of paying back the credit themselves if you fail to do so. Think of them as collateral, and you have the right idea. In some cases, people aren’t willing to do this, which is why credit repair could help you get approved on your own.
- Your Credit Stop You From Getting a Job
In today’s age, employers make a lot of their decisions for hiring and promotion based on your credit. Not only does your credit report give them an idea of how you handle responsibilities and due dates, but if you’re applying for a position in finance, you need to be good with money.
If you’re not getting hired on the basis of bad credit, then credit restoration is something you should seriously consider.
- You Can’t Rent an Apartment or House
This one hurts the most because it limits your options for where you live. Landlords always run background and credit checks when someone applies to rent their property. Some landlords can let a few late payments on your credit slide, but others will deny you on the basis that you may not be a reliable tenant.
This is why it’s important to check your credit report before applying for something like this. If you catch issues early, a credit repair company can help you fix the issue before you apply.
- You Don’t Want to See Your Report
If the idea of looking at your credit report scares the living daylights out of you, that’s a very bad sign. You make excuses that you’re too busy, or you don’t want to see it, but these are all signs that you have problems that need addressing.
The sooner you check your credit report and face the music, the sooner you can get to work repairing your credit.
- You Have a Low Credit Score
Many credit card companies like Discover will offer you a free FICO score each month to see where you stand. While different scoring systems do exist, you should keep an eye on your FICO score.
Anything below 720 is considered “sub-prime” and if you dip below 650, you will absolutely need credit repair to bring things back up.
- You Have High Interest Rates
Even if you get approved for credit, your interest rate could be astronomical based on your credit history. When you’re late on payments or you max out your cards, new companies will protect themselves by charging you a much higher interest rate than other clients.
- You’re Losing Credit Cards
When creditors don’t receive payments, they will close the account. If you can contact them before it gets written off, you have the opportunity to find out what help they offer for someone in your situation.
Credit repair can also help you find opportunities to work with your creditors and find solutions that work for you before things get out of hand.
Sky Blue Credit Repair reviews look favorably on the company, as do we here at DebtSteps. This is a great option for your credit repair, so don’t hesitate to try them out if you’re in need of help. Their pricing is affordable, and their results have seen plenty of success in the past. If you need help with your credit, choose credit repair today.