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?
- Is there a charge for credit reports?
- Are upgrades ever needed?
- When should I see results?
- How many items do you dispute at a time?
- How long does the program last?
- Can I take a break?
- 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?
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 free credit reports. Once we have your reports 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 $69 to get started. Your first monthly fee of $69 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.
Learn more: Easy Cost
Is there a charge for credit reports?
No. Upon signup we will assist you in getting your free credit reports and monitoring. Credit reports and monitoring are from third-party providers, they are always free, there is no trial period, and getting them will never harm your scores.
Are upgrades ever needed?
No. You will never need to pay more for extra services. If you need it, we’ve got you covered.
Our service includes a detailed analysis 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 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 that need to be disputed, as well as the responsiveness of the credit bureaus. Once you sign up we will give you a better assessment of your time frame.
Can I take a break?
Of course. We are not here to add stress to your life, or your budget. You may pause your membership with the click of a button in Your Sky Blue Portal or with a call to us. When you are ready to resume, we will start you back up where you left off.
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.