Dug yourself in a hole with bad credit?

Sky Credit will find ways to improve your credit by removing inaccurate negative items holding back your credit scores.

As easy as 1, 2, 3!

How It Works

Improving your credit score can be done starting with these 3 simple steps, take the next towards your successful financial journey.

Step 1

Enroll – We’ll give you a FREE consultation and credit analysis.

Step 2

Let’s Get To Work – While we use the law to challenge negative items on your report.

Step 3

See Results – Log in to see real-time updates every step of the way.

How we can help you

What We Offer

We help improve your credit by removing the following items:

Collection Accounts

When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report.

Late Payments

Regardless of the reason, there are several consequences to making late payments, including: * Late payment fees. * Interest added to the delinquent payment. * Possible termination of service or default of the loan. * The late payment showing up on a credit report. Payments that are less than 30 days late often do not show up on someone’s credit report, unless they occur frequently.

Hard Inquiries

Hard inquiries can be harmful to a borrower’s credit score. Each hard inquiry usually causes a small credit score decrease for a borrower. Hard inquiries remain on one's credit report for two years. Generally, a high number of hard credit inquiries in a short period of time can be interpreted as an attempt to substantially expand available credit which creates higher risks for a lender


Repossession hurts your credit score. In fact, it's one of the worst things that can happen to your credit, making your financial life more difficult for years to come. First, the late payments leading up to the repossession will damage your credit score once they're reported to the credit bureaus.

Charge Offs

A charge-off is a debt that a creditor has given up trying to collect on after you’ve missed payments for several months. These can include balances from a credit card, mortgage or other debt you take on. As a last resort, the creditor can decide that the debt is a loss for the company and designate it as “charged off.”

Student Loans And More!

Bankruptcy, Inquiry removals, Pay-Day Loans, Child-Support, Public Records, and much more!

Track our success

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Disputed Accounts
Sky Credit Enterprise
"Due to our previous financial mistakes, my wife and I were having difficulty finding a new home for our family, which was quite embarrassing. Sky Credit did not judge us and made us feel more comfortable knowing that we were not alone in this situation! "
Anderson Family
Sky Credit Enterprise
"I had no trouble qualifying for a mortgage because of my military service, but the rate I originally received on my mortgage was quite high. Sky Credit helped me in improving my credit score so that I could refinance my loan at a much lower rate! Thank you so much, Sky Credit, for everything you've done for me! "
Mr. Garcia
Sky Credit Enterprise
"Being a single parent is difficult. Trying to buy a house as a single parent is even more difficult... Sky Credit literally held my hand, fixed my credit, and put me in touch with everyone I needed to find a new home. My daughter and I cannot express how grateful we are to you!"
The Johnson Family

Here's what you might be wondering

Frequently Asked Questions

Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

Contrary to what credit bureaus want you to believe, credit repair does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

Unfortunately, since every credit report is unique, there is no way to predict how long it will take to repair your credit. Having said that, we help hundreds of thousands of people each year in working to restore their credit, and they typically stay with us for six months. With our team of professionals, our removal process is streamlined to get you results.

There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.

Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

Sky Credit Enterprise

Take your credit to new heights with Sky Credit.