If you have a question, we are here for you. Here is a selection of our most frequently asked questions. If you can’t find the answer you are looking for just go to our Contact page and send your question over or give us a call. We are easy to talk to!
Just click on the question to scroll down to the answer!
- How do I get started?
- What is the cost?
- What is included?
- When should I see results?
- How do I send my credit report to you?
- When I get my credit report, does it hurt my scores?
- What is the advantage of a 3-bureau report?
- How many items do you dispute at a time?
- How long does the program last?
- Do you offer a guarantee?
- Should I sign up my spouse at the same time?
- Do we have to be married to get the couples discount?
- Can you help with outstanding debt?
- Do you share our personal information with anyone?
How do I get started?
You can sign up online right now. Within minutes you will receive an email with easy instructions on getting your 3-bureau credit report and getting it to us. Once we have your report we will complete our analysis and start the dispute process.
Please see our How it Works page for a detailed step-by-step overview of our process.
What is the cost?
There is a one-time review/setup fee of $59 to get started. Your first monthly fee of $59 is not charged until a month later. We charge as work is completed, never in advance. You can cancel anytime with no further obligation. Sign up as a couple and enjoy our special couples pricing of $99 review/setup and $99 per month.
We require a 3-bureau report to start, and may request a new report from time-to-time to update your progress, so you should allow for this additional expense. Upon signup we will provide links to our top choices. You may select either a monitoring service for $14.95 per month (which includes a new 3-bureau report each month), or a one-time purchase option for $39.95.
What is included?
We offer the most efficient means of reaching your credit goals, bar none!
Our service includes a detailed review of your credit report to note the issues that are harming your credit, personalized credit score improvement tips, ongoing dispute letters sent to the credit bureaus – and more!
Learn more: Discover the Sky Blue Difference
When should I see results?
Our process is extremely efficient. We start fast and keep up a consistent pace throughout your membership.
If you sign up today we should have your first round of dispute letters out within a week. And since the credit bureaus have 30 days to process disputes, you should see initial results in about a month. On an ongoing basis, you should see results each month you are in the program.
How do I send my credit report to you?
After obtaining your 3-bureau report online, just provide your login information and we will access it directly.
When I get my credit report, does it hurt my scores?
When you request your own credit report it has no impact on your credit scores.
What is the advantage of a 3-bureau report?
3-bureau reports (also known as tri-merge or three-in-one reports) are quick and easy for you to get – and allow us to conduct a proper analysis, including a side-by-side bureau comparison to identify discrepancies between bureaus, which are often indicative of errors.
Some companies will start your case with a single report (usually TransUnion), and will get it for you for a fee. Sadly, this turns out to be neither convenient nor helpful, as it leaves the other two bureaus out of the picture until you provide the missing reports.
How many items do you dispute at a time?
We dispute 15 items (5 items per bureau) every 35 days.
Many companies dispute far fewer items at a much slower pace. Our schedule is designed to deliver the optimal result in the shortest time.
How long does the program last?
Everyone’s situation is different, but the average customer is with us for six months.
The duration of the program depends on the number of items on your report that need to be disputed, as well as the responsiveness of the credit bureaus. Once you sign up we will review your credit report and give you a better assessment of your time frame.
Do you offer a guarantee?
Yes, we offer a 90 day guarantee. If you are not satisfied we will refund your money in full. No one in our business can predict a specific outcome, but we can assure you that we will do everything possible to maximize the likelihood of great results.
The Sky Blue Guarantee means that you can get started today with complete confidence.
Should I sign up my spouse at the same time?
We suggest that you both sign up, and we offer special couples pricing to encourage you to sign up at the same time.
Do we have to be married to get the couples discount?
You do not have to be married to get the discount. If you live together and pay together we invite you to sign up as a couple.
Can you help with outstanding debt?
We always examine each account to determine the correctness of the reporting, but our program does not provide a remedy for legitimate debt.
Learn more: What Can Sky Blue Do For You