Sky Blue Credit Review – See Why They Are the Best!

Sky Blue Credit Repair is a company that has been offering professional and quality credit repair as well as restoration services since the year 1989.

The company has well trained, experienced and dedicated employees who love their jobs and take great pride in the efforts they’ve been consistently putting to build an efficient and effective company that is friendly to its customers.

Unlike other credit repair companies which pay their employees on commission basis, Sky Credit Repair pays its employees fixed salaries, thus enabling them to concentrate on delivering quality services.

The company is completely dedicated to providing credit repair services. Since it doesn’t offer any other products/services, it’s able to solely focus on helping its clients to achieve their credit goals says AAACreditGuide where you can see their review here of Sky Blue Credit Repair. It’s very helpful for those needing an honest review of the company.

It employs a tried-and-tested methodical approach that has always proved to be effective in giving clients not only satisfactory experiences but also genuine improvement that lasts forever.

The exceptional process employed by Sky Blue Credit Repair

How to delete bad creditAll clients who seek the services of this company are taken through a standard process that involves three steps/ stages:

Getting started. Review & set-up stage. The dispute process.

Getting started

A client is first required to complete a simple sign up form that is available on the company’s website. Upon completion, an email that contains instructions on how to get the company a three-bureau credit report is automatically sent to him/her.

When Sky Blue Credit Repair’s employees receive a client’s credit report, they conduct a detailed review, take note of important issues and then send a list of items that they consider as dispute candidates to him/her (client) via email.

Additionally, the client receives a list containing practical tips on how his/her situation can be optimized and rebuilt.

The dispute process

At this stage, employees of the company challenge the concerned credit bureaus with issues that they deem erroneous concerning their client.

Copies of the back-and-forth correspondence between the credit repair company and credit bureaus are also sent to the client.

If concerns that have been raised with credit bureaus aren’t addressed, the company’s employees will continue following up the concerns until they are properly addressed/ corrected.

Competitive advantages of Sky Blue Credit Repair

The company has managed to build a solid reputation and consistently beat its competitors because of the following competitive advantages;

Efficiency Superior results The Pro Advantage A clear guarantee Intelligent guidance Easy cost structure


Employees of the company have a reputation of working extremely fast and smart. They are able to dispute 15 items every 35 days, which is quite an impressive number.

Superior results

The company has a great method that uses a set of effective tools which ensure that clients eventually get value for their money.

The Pro Advantage

Sky Blue Credit Repair’s employees have the capacity of identifying any and every dispute candidate. Most of their competitors don’t have a similar capacity.

Clear guarantee

The company offers money-back guarantee that lasts for three months. Clients are therefore assured of either getting good results or refunds of their money.

Intelligence guidance

Sky Blue Credit Repair really cares about its clients’ credit scores. It therefore recommends certain actions that clients must take to make their scores optimal.

Easy cost structure

The company only charges review/ set up fees after the sixth day, while monthly charges are only credited after the 30th day.

Additionally, clients aren’t asked to execute any upgrades that may confuse them.



Net Worth Tracking

Net worth is the difference between total assets and liabilities. It is used to describe both the value of a company and an individual’s financial position. A positive net worth is obtained when assets are greater than debts. Similarly a negative net worth can also be obtained when debts are greater than the value of the assets. By keeping track of your net worth you are able to plan on your finances using the information on the financial position. To do this you need to adopt various methods.

What’s the Best Tools To Track Your Net worth?

There are many methods employed to track your net worth. One is ensuring that you hold yourself accountable of every purchase no matter how small its may be. You should not only consider large expenses like purchase of furniture but also consider the expenses on the purchase of small things like delicious food. You can also track your net worth by corning up with budgets for all your purchases, this helps to keep track of your finances on a daily basis.

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These records should also be kept for future reviews. You should also ensure that the money you borrow for development projects is put to its intended use to avoid inadequacy in accountability which will make you loose track of your finances.

tracking networthOne should also divide and prioritize on the spending in terms of basic, secondary and tertiary needs to obtain an accurate entry on expenses. You should also calculate the net worth at the beginning of every month by deducting the sum of debts from the sum of assets. You should also ascertain all returns from your investments and other activities that contribute to your total earnings at the same time be able to pinpoint your credit value. You should also purchase the necessary tools like calculators and software to calculate your net worth.

Why Not Just Use Spreadsheets?

Keeping a personal spreadsheet is also necessary to ascertain you financial position at the end of the year. This is done by adding all the monthly balances to obtain a grand total. A negative or a lower positive value suggests that you need to reduce your expenses. Coming up with a financial plan which captures your log term and short term financial goals is also recommended. Always come up with budget for accomplishing these goals and develop a habit of doing net worth checkups on a regular basis. At the end of the process of keeping track of your net worth you will realize an increase in your value in monetary terms.


Personal budget Planning

Personal budget refers to a finance overview that actually refers to your income, expenses, savings or debts that you have incurred and their repayment. When personal budget is being carried out, all your spending of the past and individual debt is put into consideration. The process of carrying out this personal budget involves a couple of methods and tools that assist in the creation, usage and adjusting to the personal budget. Take for an instance, when you look at jobs, we can term them as income generating projects while expenses and monthly rent are expenses and do not add any value to your personal budget.

Why Should Individuals Keep Track of their Budgets?

In order to carry out a personal budget, you need a couple of tools and regardless of the tools used, it’s main purpose is based in the accuracy as well as the currency of the specified data Lately, many people prefer computer generated budget mainly because there is no need to rewrite or recalculate whenever a fluctuation is there.

Below are the tools used in carrying out personal budget:-

  1. Pen and paper – in this method, all you need is a pen, piece of paper to write on; they can later on put in binders or file cabinets. Another simple way is by use of budgeting books and bookkeeping forms that you can fill in the blanks to create your budget.
  2. Money Management software – there are soft wares written specifically for the purpose of money management. They are created to focus on your personal account information like checking your savings and money. These are able to categorize your past expenses and also display monthly reports that are useful in future personal budgets.
  3. Spreadsheet software – this software that allows budgeting by performing complex calculations using calculations. For example when you are keeping track of income and expenditure.
  4. Money management websites – there are websites that have been designed to manage personal finances,
  5. Spending management software – this is a budgeting software which utilizes specific amount of money, cash that you have at hand

A personal budget should have the following:-

  1. Purpose – this is a goal that you are able to meet within a certain time or period.
  2. Simplicity – u should choose a plan that you are able to keep up with
  3. Flexibility – a budget should be flexible and a consumer is supposed to expect a changed personal budget from time to time
  4. Budget for irregular income – a household with irregular income evaluation of average income to avoid using money that you did not plan to and you run out of money. In this case, you those months when the earnings are less this way it is going to be easy to carry out a good personal budget.

References: “Report “Consumer Expenditures 2014