When you start with Sky Blue we provide an expert, detailed analysis of your credit report. We believe this meticulous review is the critical ingredient that makes the difference between superficial results and dramatic credit repair success.
Finding Hard-to-Spot Issues
Some reporting errors are easy to identify, such as accounts that are not yours. But many reporting errors are more difficult to spot.
For example, collectors are required to cease reporting when they sell an account to another collector. So, if you notice multiple collectors reporting the same debt, there is a problem, and one that needs to be disputed.
There are many hard-to-spot compliance issues that can cripple your credit scores but which would not be found without knowing what to look for.
Many companies merely enter your accounts into their software and ask you to select the accounts you wish to dispute with no expert analysis at all almost certainly eliminating potentially valuable deletions.
The 3-Bureau Report Advantage
We request a 3-bureau credit report to get started. These reports display information in a three column format which allows us to conduct a proper analysis, including a side-by-side bureau comparison to identify discrepancies between bureaus, which are often indicative of errors.
We are aware that some companies offer to start with a single bureau 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.