You can also pause your membership with just a click of a button in your online portal, along with being able to cancel at any time. Best of all, Sky Blue offers the only condition-free guarantee among credit repair services: within the first 90 days of your subscription, you can cancel for any reason and get a full refund of anything you've paid up until that point.
Credit Saint offers a money-back guarantee that is above-average: if you don't see any negative items deleted from your credit history in the first 90 days of service, you are eligible to request a full refund of any fees paid. Customers should expect it to take up to two months for those deletions to start appearing in their online portal, and the terms of the guarantee require the client to send in any requested documentation or other updates in a timely fashion.
After you’ve resolved the negative items on your credit report, work on getting positive information added. Just like late payments severely hurt your credit score, timely payments help your score. If you have some credit cards and loans being reported on time, good. Continue to keep those balances at a reasonable level and make your payments on time.
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Credit scoring models usually take into account how much you owe compared to how much credit you have available, called your credit utilization rate or your balance-to-limit ratio. Basically it's the sum of all of your revolving debt (such as your credit card balances) divided by the total credit that is available to you (or the total of all your credit limits).