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How to Repair Your Credit? Follow These 4 Basic Steps

Repair Your Credit

Your credit score is very crucial in your financial life. Banks and lending corporations check your credit score before they can grant you a credit card or a loan. Car insurance companies consider your credit score in setting your insurance rates. Also, some employers base your promotion or salary raise through your credit score. That is why it is important to avoid a bad credit score.

For some having a credit score below 601, it is difficult for them to apply for loans and insurance. However, there are certain companies that offer credit repair services. They promise to remove all your bad records.

Well, let’s know better about credit repair.

What is Credit Repair?

According to Investopedia, “credit repair is the process of fixing a bad credit report.” It involves disputing errors on the report that put you to a bad credit status. Factors for a bad credit score include late payments, having an account charged off or sent to collections, loan defaults, bankruptcy and identity theft, among others.

What are Credit Repair Companies?

Some companies specialize in credit repair services. The first thing they do is to pull your credit report from major credit reporting agencies or bureaus to identify the issues. Once they identified the errors, they will ask for some supporting documents from you. They will then file a letter to dispute any credit report errors. The bureau and data furnishers will then work with the credit repair firm to find out if these errors should be removed from your credit report.

Should I go for credit repair services?

Accordingly, credit repair services take for at least 45 days to finish. It’s a short timeline for those who urgently want to purchase new house, car or open a credit card. But according to Federal Trade Commission, a consumer protection agency, credit repair businesses cannot guarantee you anything. Their claims are “very likely signs of a scam.” The Federal Trade Commission also have not seen yet any legitimate credit repair operations.

Moreover, some state that credit repair company cannot do anything to improve your credit score. Thus, you do not have to pay a lot of money for a “professional” credit repair company to fix your score.

So, what will I do now?

Well, you can do it yourself! The Federal Trade Commission suggests to repair your bad credit yourself. It is the safest way to fix your credit reports, plus, you get to review all your transactions for the past years.

Here are the four basic steps in repairing your credit:

Gather the latest copies of your credit reports

To start repairing your bad credit score, you have to gather the latest copies of your credit reports from three major credit reporting agencies. There are two ways on how to get your credit reports.

First, the law dictates that any individual is entitled to free credit reports from each of the major credit bureaus each year. You can ask it by sending an email or through a phone call. There are also some cases in which the state grants you another access to a free report if you have been turned down for credit due to fraud or identity theft.

Second, if you already enjoyed all your free credit reports, you can still order from the credit bureaus and just pay the corresponding fees.

Take note that you have to gather all three credit reports from three major credit bureaus because some lenders and creditors only send reports to one credit bureau.

Carefully review your reports for possible errors

Now, this is the most crucial part – reviewing the credit reports. Credit reports contain your personal information, detailed history and timeline of your transactions, list of items that have been forwarded to public records like a bankruptcy and the inquiries you have made to your credit report.

It may be exhausting to check line per line, but you have to be very careful in reviewing the credit reports so that you can be able to identify the errors.

In review, you have to look for some information that is incorrect. This includes accounts that are not yours, payments that have been incorrectly reported as late, past due accounts, maxed out accounts that are over the credit limit and more.

Make sure that you are organized by highlighting some information that needs attention.

Dispute credit report errors

Now, dispute any information that is inaccurate, incomplete or is not verified. The instructions on how to dispute errors are included in your credit reports.

To send a dispute, you can do it via online. Online allows you to send screenshots of the errors in your credit report. This will make it easy for credit bureaus to recheck and revalidate your credit report.

You can also do a phone call. However, this may lead you to misunderstanding, plus, it leaves you with no paper trail.

Lastly, you can also send your disputes directly to the lenders, creditors, banks, and businesses. They have legal specialists to work on the investigation.

Remember! It is part of your right to dispute any inaccurate and incomplete information at no charge. It is the primary obligation of the credit bureau and information provider to conduct an investigation or take legal actions in correcting errors in your credit report. Just make sure that you provide all the necessary documents that are needed for the procedures.

Usually, it takes 30 to 45 days for credit bureaus to respond to your dispute and investigate.

Get new credit

After all the errors are being corrected, it’s time for you to work on getting the positive information added to your account.

You are also now free to open a new credit by opening up a new account. In getting a new credit, try to apply to one or two so that you can be approved for a major credit card. If you are denied for a major credit card, try a retail store credit card.

If you get approved, it is important that you have to be mindful of your primary responsibilities and obligations as a credit card holder to avoid future bad credit scores.

8 Most Swift Ways to Settle Your Student Loans Debt in a Year

Settle Your Student Loans Debt

So fate finds you out of college and the urge to repay that debt pounds on you like a sledge hammer. You even find it hard to confirm whether the loan was really worth it. Well here are 8 ways to settle that whooping sum in at most one year!

  1. Seek a job with loan repayment incentives

Recruitment and working for an agency with this incentive will see you retain work and settle a great deal of the loan. Government agencies offer such packages so it will not be beg deal to secure such a job.

2) Utilize free hours in extra job

Your indebtedness could be relieved several thousand dollars if you take part time jobs. Taking weekend jobs could see you through in this.

3) Get that Payroll allotted

Lobby with the human resource department and solicit for payroll allotment. Through this an amount from your paycheck will be accumulated in another account. These accumulations will see your indebtedness shrink.

4) Chuck your car

Fuel, maintenance and insurance costs relieve so much from your tight budget. Seek alternative transportation like public transport or ride-share. What about the comfort huh? Well you will lose it but rest assured you will make even better after a year.

5) Minimize shopping

It’s not the time to get fancy and upgrade your closet. Resist the urge on upgrading for a year. Yes, even your phone and other accessories inclusive. Retain them and don’t be surprised how minimal your indebtedness will get in twelve months flat.

6) Enroll in auto-debit

This sees your loan servicer deduct some amount to repay your student loan each month automatically. Enrolling could be further beneficial as some lenders allow substantial discounts jut for enrolling.

7) Volunteer

Engaging in volunteer programs like Peace Corps could lead to cancellation of some amount on your student loan debt. Every good deed will naturally be rewarded. This could turn out to be your mantra after one year.

8) Go for tax deductions advantage

If you are a tax payer, which most of us are, get that interest documentation from the relevant authorities to present it to your lender. Armed with this, be sure to see your student loan lender deduct some amount from the whole loan lump sum.

There are other ways to see you through in one year. For instance, switching to biweekly payments and surpassing your monthly loan repayment expectations. Adhering to the above guidelines will definitely see you out of the student loan indebtedness in twelve months flat.

Advantages of hiring Sky Blue Credit Repair

hiring Sky Blue Credit Repair

One of the best-known companies in the credit repair service industry, Sky Blue Credit has been a professional provider of credit-repair services for more than 2 decades since 1989 and has developed a solid status for offering quality results at a reasonable price. In the time since, they have built quite a reputation as a highly competent, scrupulous, and greatly motivated company. Sky Blue Credit has been accredited by the BBB (Better Business Bureau) and holds an A+ rating with them. It provides customized repair services to best challenge negative credit report items. The company offers a range of services, features and customer support options to identify candidates for you to improve your credit score, like closing or opening accounts, reducing balances and other such measures. Aside from credit repair services, representatives of the company also give custom advice on how customers can improve their FICO scores.

What Sky Blue Credit Offers

Features: Upon completing the sign-up process, an e-mail is sent with instructions on ways to get your 3 credit bureau report. On receiving your credit report, this credit repair company conducts a line-by-line review of all credit-report items and then identifies dispute opportunities for you. They also send custom tips on ways you can improve your FICO score if applicable. They will then challenge erroneous credit-report items with the credit bureaus with responses being sent to you as they occur. In case challenges are not favorably settled, Sky Blue Credit automatically sends re-disputes till satisfactory results are achieved.

  • Free consultation
  • Expert credit-report review and credit bureau disputes
  • Custom Tips on FICO Score Improvement

One advantage with Sky Blue Credit is their accelerated dispute process. Whereas most credit repair companies begin with only a few credit-report items, Sky Blue can dispute up to 15 items (5 credit-report items per bureau). That means that if you’ve lots of negative items, you could potentially get most of them dismissed at a quicker rate.

For individuals looking to get “mortgage ready” by eradicating old, inaccurate charge-offs as well as collection accounts, Sky Blue Credit is a very affordable option. Likewise, persons who need to get qualified for car loans or other upcoming credit inquiries can rest assured they’ll have the best outcome conceivable when working with Sky Blue.

According to this Sky Blue Credit Repair review by, this company has only one service plan which means there is one price structure: $59 initial fee to set up your account with $59 every month. This credit repair service also offers a special discounted rate for couples – $99 setup and review / $99 per month.

NOTE: They offer a month to month contract and you can revoke your service at any time with no further obligation and no termination fees or penalties. Since most credit repair services claim that they are able to raise your credit score within 6 months, you won’t be paying that indefinitely. Also, if you aren’t completely satisfied within the first 90-days you have 100% of the money spent on the service refunded.

Is Sky Blue Credit Worth It?

In summary, Sky Blue Credit Repair is definitely a great choice if you are looking for a custom-built process of dispute every month. They are affordable, have years of experience and provide excellent credit repair services, features and exceptional customer support, but lacks live chat and online account management. They are an efficient company to help clean up your credit reports and increase your credit scores and are dependable in the long run but you are limited on your disputes. Sky Blue Credit Repair has a good rating with the BBB (Better Business Bureau) and their pricing is pretty much straightforward and exceptionally commendable. Their unusual hassle-free 90-day refund policy offers an extra level of comfort in you getting started, while their proven track record of removing disputed cases makes Sky Blue one of the top choices in the credit repair industry.



Your credit report matters greatly. To a big extent, your financial life depends on it Banks, credit card companies, building societies and even landlords will usually need to have a look at your credit report before engaging in financial matters with you as it gives them an idea of how well you manage your credit. Checking your credit report regularly is thus important as it helps you see how interested parties would perceive you Most importantly, it helps you ensure that the details are accurate, free of fraud and updated.

Under Federal Law, every consumer has a right to get their credit report once every twelve months from each of the three credit reporting agencies- Experian, Equifax and TransUnion. Since each agency collects information separately and using different methods, it is important to request your credit report from all the three agencies.

How to Check Your Credit Report

You can access your credit report on the internet by visiting the website of the Central Source and making the request. The Central Source can be reached by visiting Through this website, you can access your credit report from all three credit reporting agencies. Alternatively, you can make the request on phone by dialing 1-877-322-8228. A longer more cumbersome process is to fill the request form and send it by mail to

Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348- 5281

When making the request, identifying yourself very clearly is important. Your name, address, place of birth, Social Security number and monthly mortgage payment amount will be necessary to include.

The law also entitles you to getting more free copies of your credit report in special circumstances. For example, when one is on welfare, seeking employment or when one has been a victim of fraud or an inaccurate credit report. In such cases, one can access more credit report copies for free. Additionally, within sixty days of being denied credit, you have a legal right to view your credit report.

Credit monitoring companies send updates to consumers every time when their credit reports are updated. With such a service, you can access your credit report regularly. This will, however, require you to subscribe to the company first. Of course, this is done at a regular monthly fee.

It is prudent to carefully view credit reports from all three companies. If you find an error in any one of them, request a dispute with the agency in question in 30 days of receiving the report.