Your credit score can be your best friend or your worst enemy. A range of just a few 100 points separates low-interest, prime loans from high-interest, predatory loans. Credit repair takes time but it is well worth the effort. See if you answer yes to any of the questions below and keep reading to learn how to fix your credit.

Have you recently been denied a loan because of a low credit score?

Do you need a cosigner for even the smallest loans?

Do you need a new car instead of an unreliable, used car?

Have you tried to improve your credit score and found it unchanged?

Are your current interest rates on your existing loans way too high?

Are you ready to get the credit score you deserve?

If you answered yes to any of these questions you need to seriously consider a plan to repair your credit.

What’s In a Credit Score?

Here’s the quick lowdown on what your credit score will get you. A score of 600 or less will make it difficult to get even a bad loan. A score of 700+ will land you a loan with relative ease and at a much lower interest rate.

Why does this one number (well actually it will vary slightly between the three main rating companies) have such a huge impact on your life? Well, it basically represents your creditworthiness or your ability to pay back a loan.

Paying bills late, defaulting on previous loans, and having accounts go to collections will all lower your score. This tips off the lenders you’re working with now to the fact that you may be a risk. Therefore you get stuck with higher interest rates in case you default again. The lenders are playing it safe on their part.

Maybe you’ve been actively working on raising your credit rating. Or you’ve been through the process of trying to get a loan for a new car or home. You now understand how important this three-digit number is.

How Do I Get Started?

Here’s the good news. Your credit score is not set in stone. Errors on credit reports are unfortunately very common and unless you take action to get them removed they will likely stay there, hurting your credit score.

There are two ways you can go about fixing your credit, do-it-yourself or hire a specialized credit repair company to do it for you. A common misconception is that a credit repair company can do things you can’t.

Do-It-Yourself Credit Repair

Everything that a credit repair service can do you can do also. From our experience, this is generally the slower approach and it can be a bit frustrating if you’ve never done it before. Remember a reputable credit repair company has made a whole business out of effectively handling the dispute process. But if you’re looking to save a little money and you have the time and persistence, do-it-yourself may be the right approach for you.

Just be honest about it. If you tend to get sidetracked, lead a very busy life or know you don’t always finish what you start then you may want to consider a credit repair service. The point isn’t how you get it done but that you get it done.

A Professional Credit Repair Service

Maybe you don’t want to learn all the ins and outs of credit disputing and you just want it done right. Personally, I think if you have the money this is the better approach for most people.

We see it like this: Can you fix your own car? Can you do your own plumbing? Can you fix your own roof? Absolutely. But if you’ve never done it before you need to devote yourself to it or it may not end up being very effective. I’ve seen a lot of people give up saying credit repair doesn’t work but the reality is they made mistakes and didn’t put in the effort needed.

If you are serious about fixing your credit score, and you’d like to use a professional credit repair service, give Sky Blue a try. It’s not a quick fix. Negative items cannot be removed without reason. But the experienced staff will do everything legally possible to resolve disputes and repair your credit score.

They have been in business since 1989 and they have an A+ rating with the Better Business Bureau. Sky Blue offers an unconditional 90-day guarantee so you’ve got nothing to lose and everything to gain.

Whether you choose to utilize a credit repair service or you’d like to do it on your own, now is the best time to start.

Check out our full list of credit repair reviews to see what companies you can trust and which ones to avoid.

#1 Sky Blue



#2 Credit Saint



Read the Credit Saint Review

#3 Ovation Credit Services



Read the Ovation Credit Services Review

Credit Repair

Click on a link below to learn more about your credit score and what you can do to improve it:

Debt Consolidation

If you’re having issues with bad credit chances are you’ve got issues with debt as well. Student loans, back taxes, and credit cards are just some of the common debt people carry around every day.

Debt consolidation is one solution that can help prioritize your debts and lower your payments. It’s not the right solution for everyone but it is something you need to look into if you’re drowning in debt.

Click on a link below to learn more about what debt consolidation can do for you:

Personal Loans

Taking out a loan may seem totally counter-productive if you’re trying to fix your financial situation. At the same time, one of the benefits of improved credit is lower interest rates. There are times when you’ll need a loan, like for a house or a car.

Click on a link below to learn more about personal loans:

Short-Term Loans

We also cover some of the less desirable types of loans, short-term loans commonly known as payday loans. These are not going to help you financially and in almost all situations we advise you find another way to cover emergency expenses. Still, we wanted to arm you with info so you can make an informed decision.

Click on a link below to learn more about short-term loans:

Identity Protection

There are a lot of people out there trying to scam other people. Identity protection is one way to try to reduce the risks.

Click on a link below to learn more about identity protection:

Tax Preparation Software

There are lots of options these days to prepare your taxes yourself, from the comfort of your own computer.

Click on a link below to learn more about the top tax prep programs: