The FDCPA is the consumer protection act designed to prohibit abusive practices by debt collectors. The FDCPA specifically defines a collector as any person that collects debts owed to others, and may include attorneys that collect debts on a regular basis.… Read More

It is the age of phishing, and you treat requests for personal information very cautiously, even when the request comes from a known entity. Receiving a collection call is no different. You do not know the caller, so why should you discuss your personal finances with them?… Read More

The worst mistake you can make when starting a credit repair effort, is to imagine that a derogatory account is accurate just because you recognize it. Recognition alone is not a valid test of accuracy – and the mistake could ruin your score.… Read More

If you stop making payments on a credit card (and never resume), the date you are officially 30 days behind becomes your default date. This is also the moment the reporting period clock starts ticking. The credit card company will typically charge off the account six months later.… Read More

Collectors are aggressive. There are exceptions. But it is a fact that the culture of the collection industry is rooted in the belief that dominant personalities prevail. The business attracts hard characters. Soft spoken gentle souls tend to make a living in other fields.… Read More

How much do you want from your investment in credit repair? In our opinion there is never a reason to aim low. When it comes to your credit, everything counts. Every error is worth disputing and every point is worth pursuing.… Read More

Oh those darn FICO scores. They are so sensitive. Sometimes it feels like you have to walk on eggshells to keep them happy. Here are a few little things that can really send them into a tail spin. Credit repair isn’t really all that hard when you know what not to do.… Read More

Some collectors are okay. Just to get that out of the way. They are not all bad, and it is best not to pre-judge anyone, but then again there is the practical reality. Plenty of our credit repair customers have active collections, and I have never heard a Sky Blue Credit Repair customer say that a collector is a great guy.… Read More

If you have been sued by a collector, but the case has not yet gone to court, there are a variety of credit repair techniques you can use to stop the legal process and avoid a judgment.

Stopping the Legal Process

If you have the resources to settle before your court date you should plan a strategy, have appropriate funds available, and contact the collector.… Read More

Per the FDCPA (Fair Debt Collection Practices Act) you have 30 days from the receipt of a collection letter to ask the collector to validate the debt. Failure on the part of the collector to validate requires them to cease collection efforts and not report to the bureaus.… Read More