SKYY AI ENGINE STRATEGY

SKYY INC mission is to help individuals understand how the reporting systems work and how to make informed financial decisions. Through our AI Engine Financial Education Platform, clients learn how the five key factors—Payment History (35%), Debt Utilization (30%), Length of Credit History (15%), New Credit (10%), and Credit Mix (10%)—influence overall credit health. 

 Your Privacy and Data Protection 

 Your personal information remains secure at all times. SKYY INC does not collect or store Social Security numbers, and any report reviews are conducted solely with data you provide. We encourage clients to safeguard their personal information by using reputable consumer reporting services. It's very unlikely that anyone else has your same first, middle and last name, plus the same last 4 digits in their SSN. The probability of having the same last 4 digits as someone else is far higher than one would expect. Out of 119 people, there is a 50% chance that two of them will have the same last 4 digits in their SSN but not the same first and last name. Therefore, your last four off your social is just a combination being used as a key to look up your record in your lending institution external database. This information is to prove you are indeed that person. Major companies (for example, IdentityIQ or another legally compliant service) use the last four socials to prove your identity because it’s safer, more convenience and protecting your privacy.

HOW THIS WORK?  

Step 1: Schedule Your Educational Strategy Session
Clients begin by obtaining their own credit reports from a verified provider (for example, IdentityIQ or another legally compliant service). This ensures each person works directly with their own data securely and privately.

Step 2: Report Evaluation (Educational Review)
During your session, an AI engine will help review your reports line by line, explaining how credit data is organized and what each section represents. You’ll learn how lenders interpret information like payment history, inquiries, and account age.

Step 3: Personalized Financial Learning Plan
Based on your reports, our AI Engine outlines a self-paced learning roadmap designed to teach you how to manage credit responsibly and improve your financial literacy. This may include lessons on budgeting, debt management, and understanding your rights under the Fair Credit Reporting Act (FCRA) and Fair and Accurate Credit Transactions Act (FACTA).

SKYY INC does not contact credit bureaus or creditors on behalf of clients. We provide tools and education so you can make confident, lawful decisions yourself.

Tracking Your Progress 

 Clients can access our SKYY Learning Portal to continue their educational progress, review course materials, and explore additional tax and financial resources. Progress timelines vary depending on each client’s goals, financial habits, and reporting cycles. 

Educational Outcome 

By the end of your SKYY Virtual Strategy Session, you’ll have:

• A clearer understanding of how credit scoring works,
• Tools to build better financial habits,
• Knowledge of your legal consumer rights under federal law, and
• A roadmap for responsible, independent financial management.

 Compliance Note 

 SKYY INC provides professional education, tax, bookkeeping, and business consulting services.
We do not provide or engage in credit repair, credit restoration, or debt settlement services.
All sessions are for informational and educational purposes only, designed to promote financial literacy and compliance awareness.