Best Credit Repair Services - Sky Blue Credit Repair

I have a lot of good things to say about Sky Blue Credit Repair. They made a major difference in my life and my credit report. I also have a few thoughts to share about the FTC, and about Lexington Law. I speak with some authority about credit repair, and from lots of personal experience. I hope you will benefit.

I work in the aerospace industry. One day I was offered a lucrative consulting opportunity and I quit my full time job to go out on my own. It was great for six months and then the project ended. I couldn't get work and I couldn't pay my bills. Before long my credit was destroyed. Eventually I got a great job, but it took a couple of years before I had the nerve to look at my credit reports. They were a disaster. The original problems were only a small part of the picture. There were a crazy number of errors. So I decided to clean things up.

It took some time before I found Sky Blue Credit Repair and really got my credit repair project under control. There were a few missteps along the way and a couple of great realizations that I really want to share. The first thing I found when I went to the internet was a warning from an FTC website to avoid "credit repair schemes".

It's hard not to take the FTC warnings about credit repair companies to heart. I took me some time to solidify my own position on the issue, but in the end I have to say that the hard line taken by the FTC is a terrible disservice to anyone with credit problems. I suspect that the FTC has discouraged millions of people from getting legitimate help. Those people may very well end up paying thousands of dollars more per year on their loans than they need to. This is a terrible thing and it would be the fault of the FTC. I'm a bit angry about this.

Credit repair is complicated. The FTC would have you believe that you should not hire anyone to help you. That's crazy talk. If you want to fix your credit - without doing yourself harm, you need to know virtually everything about the laws that rule the credit bureaus as well as the laws that rule collectors. And, as I discovered later, you also better understand the state laws that set time limits for collections. And lastly, you better get a good handle on how credit scores work. If you don't know what you're doing you can spend a lot of time and end up worse off than ever. I'm not saying that you shouldn't do your own credit repair, but I am telling you that you better know your stuff. Or you can do what I did and look for the best credit repair service out there.

It looks like the big player in the credit repair industry is Lexington Law. You can't really miss them on the internet. I joined them and I regretted it. Their website is very convincing - and deceptive. I'm sorry, but it is. Listen. I'm looking at their site now. It says that they have 21 lawyers fighting for your rights. This is the meat of their sales pitch. I guarantee you that no attorney ever got anywhere near my file. In fact their system is designed to shift all of the work and decision making to you. Is that what you want? Is that what you expect after reading their website? The whole deal revolves around a web-based software package called "Dispute Valet". You will need to login and pick the items that you want to dispute. Then they send out letters. Hey, the girls I spoke with at Lexington Law were nice enough, but this is not credit repair this is a dispute machine.

Everything came together for me with Sky Blue Credit Repair. By the time I quit Lexington Law I knew that I wanted genuinely good credit, the kind of credit that would get me approved for loans with the best possible interest rates. And I knew that there was plenty involved. Sky Blue Credit Repair is a truly professional operation. They are masters of their craft. I was totally impressed from day one. I learned an amazing amount, and even more important - although it's tricky to get this into words - I ended up feeling really confident, like I was finally back in control. It was a relief. Yes!

End result? My credit is awesome. I'm happy beyond belief. There is something about having recovered from a period of bad credit. I'm very appreciative of everything these days. I thank Sky Blue Credit for the great work. If you are considering tackling your credit issues I would encourage you to check out Sky Blue Credit Repair. They offer a "free consultation" on their website. You might want to give a call and get a feel for the way they work. I wish you all the best.