A. GEORGIA RESIDENTS CAN NOT USE THIS PRODUCT. Case by case basis depending on what's all on your evaluation. Prices varies per individual which includes: SKYY STRATEGY PHONE SESSION; AI ENGINE ENROLLMENT;  AI ENGINE DOCUMENT PROCESSING; CERTIFIED MAIL POSTAGE & TRAVEL ASSIGNMENT. NO PAYMENT PLANS OR COUPLE PACKAGE AVAILABLE AT THE MOMENT. Skyy AI engine analyze your reports to give a proper estimate so you are not charged for services that you may not need. From there, Skyy AI engine then determine if you need any help in the areas below:

• Building your credit
• Debt settlement
• Debt consolidation
• Student loan consolidation and/or forgiveness
• Applying for a mortgage or auto loan
• Refinancing a mortgage or auto loan

Schedule your appointment for strategy analysis today and lets discuss every aspect on how to repair, restore and rebuild your finances.   

Skyy Strategy Phone Session are up to 60 MINUTES to have AI engine review your credit report for inaccurate items and personal information. Review accounts that can be made current. Review revolving and installment accounts with high credit utilization. Discuss a plan on how to fix the inaccurate, misleading and incorrect information. Discuss a plan to raise and rebuild your credit score. Review will be with all 3 credit bureaus to approach the plan to execute your credit goals. No case is the same. Skyy AI engine will prepare an in-depth credit analysis to identify and indicate areas of improvement for your credit score. Skyy AI engine fine-tune individuals plan to improve current scores under 180 days.

Skyy Strategy Phone Session requires:

A copy of your credit report(s), Skyy suggest the following:

– Go to IdentityIQ and sign up today to get started.  

– Then schedule your SKYY VIRTUAL OPERATIONS appointment at SKYY INC to get started.

SKYY INC AI ENGINE:

Review and Analysis client reports for inaccurate accounts.

Complete all steps as stated in the analysis session. 

Weekly and/or bi-weekly updates & follow ups to determine next steps.

Create a strategic plan to assist clients in meeting their goals.

Assist client with creating and sending ALL dispute letters to bureaus and lenders, if necessary.

Assist with budgeting, building, trade lines and much more.

Provide ongoing education and assistance.

Client Portal to track progress. 

SKYY DOES NOT AFFILIATE WITH CPN/SCN

*A Credit Privacy Number or CPN is a 9 digit number, can be obtained free of charge and is legal depending on its intended use. Typically issued to corporate, political or government VIPs to provide protection of their personal information. NOT FOR individual purposes. The CPN is not a substitution for a social security or tax id number 

 https://www.consumer.ftc.gov/articles/0225-credit-repair-scams

https://www.ftc.gov/news-events/press-releases/1999/10/credit-identity-defendants-settle-ftc-charges

Q. How do SKYY charge?   

A. (a) Pay only for what you want remove and increase your credit score points up to 125 points. Other companies charge an initial fee, monthly service fee. This prolongs the credit repair process so that the credit repair company can receive more. SKYY provides services in 180 days or more depending on the severity of the case file.

Not only do Skyy AI engine help you improve your finances, but Skyy has also pair up with top of the lines partners that will help you get ahead financially and help you make the best financial decisions possible. Click on FIND OUT MORE to see the different affiliates Skyy has partner up with.  

A. You can dispute closed account for unpaid collections, charge-offs, repossessions, bankruptcies, medical bills, foreclosures, tax liens, civil liens, judgments, student loans, credit card debt, inquiries, slow pays, old addresses and all incorrect names.

Q. Who are the three Credit Bureaus?    

A. Experian, Transunion and Equifax. 

Q. How long does the process take?   

*IMPORTANT* Due to the COVID-19; USPS will require more time to processing  and delivering mail in a timely fashion due to limited transportation availability as a result of the ongoing COVID-19 impacts. This change is effective Dec 7, 2021.   

Like many other agencies, organizations, and employers across the country, the three major Credit Bureau (Experian, Equifax and TransUnion) are adjusting to the realities of working during the COVID-19 coronavirus crisis and are making the following changes: First, effectively immediately all of our employees are now working virtually from home remotely. Experian, Equifax and TransUnion implemented International travel restrictions to identified areas (including China, Italy, Iran, Israel, Japan, and South Korea). Additionally, the credit bureaus had to lay off more than 50% workers nationwide and likely will lay off and more employees have been asked to self-declare to their manager and self-quarantine, even if they are not ill. 

Second, Experian, Equifax and TransUnion are experiencing delays in receiving disputes letters due to unprecedented mail volume and other COVID-19 impacts on the U.S. Postal Service (USPS). The delay processing times apply to processing, answering, reviewing and replying back to disputes letters submitted by mail and can expect to receive a response with in 10-12 weeks.  Because of increases in COVID-19 cases and changing local health conditions, a small percentage of routine dispute letters are taking longer than 12 weeks to process. If you have waited more than 12 weeks ago and have not received a response from Experian, Equifax and TransUnion. You will may also sent out a dispute letter requesting additional information to continue processing your dispute process. This change is effective Dec 7, 2021.  

A. The first results will be obtained directly from the credit bureau within 90-120 days. Skyy AI Engine Disputing aim to assist you in completing the entire process under 180 days. Results may vary due to different information on your reports. Only definite advantages as the time varies depending on the initial status of each client. On average it takes between 180 to 240 days for you to repair, restore and rebuild your credit or more depending on the severity of the case file..  

As you file the disputes with the credit bureaus, lenders and collection agencies, they will then mail you the dispute results. You will analyze the dispute results, and if the inaccurate items are not deleted or corrected, Skyy AI engine will devise a new strategy and you will re-dispute the negative items again. Skyy AI Engine Disputing is one of the only few freelancer that will even assist with filing disputes and complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) to help expedite the disputes and with ensuring that the disputes are being investigated correctly. It can take anywhere from six (6) to (9) months long but you can stop at anytime. A lot of Skyy clients see results in as little as 45 to 90 days, but see maximum results in six (6) months. The 2nd Plate can contribute to 30% to 35% of your credit score and Skyy clients are seeing an average of 50% to 75% of inaccurate items being deleted once this step is complete.

SKYY INC AI Engine will ensure they have done everything possible to help assist you in removing as many inaccurate negative items as possible and prepare an exit strategy for you. Most importantly, Skyy AI engine will refer you to the following people to meet your needs.

• Mortgage Brokers/Loan Officers
• Real Estate Businesses
• Auto Dealerships
• Banks/Credit Unions

A. SKYY is a independent expert contractor that gives each clients a personal strategy evaluation using AI Engine Disputing on how Skyy will handle their case from beginning to end of the entire process. SKYY INC loves what they do and consistently produce the best results to their clients. Skyy has the depth of knowledge and experience. SKYY AI Engine Disputing level of experience has allowed the company to build a reputation of quality and integrity by assisting many clients to improve their lifestyle. Skyy attends seminars on from professionals in the lending industry and attends educational seminars for the consumer on how the scoring system “really” works and what companies can and cannot actually accomplish. SKYY have been helping clients since 2014. And, SKYY INC maintain the highest ethical standards. SKYY is in compliance with the Credit Repair Organizations Act – the federal law that governs our industry. Including the most common reasons, are that individuals either have already tried themselves with limited to no results, or they just don't have the time to undertake this major task. If you decide to use Skyy assist you, then you can be assured that you will be receiving the best assistance and service possible. SKYY AI Engine Disputing will have you initiate a multi-stage process that challenges not only all three credit bureaus, but creditors and collection agencies as well. In essence, you are paying Skyy to guide you. You deserve the individual attention that is needed to do so and that's what Skyy provide. Skyy wont ever take a client if felt like we are unable to help them. Most companies only have a one-step system to help their clients and you can do this yourself at home. The problem with this method is that there is only about a 10% chance anything will happen. On average only 1 out of 10,000 items will re-appear back on your reports when you remove the account. Even if it were to be removed, when the creditor re-report to the credit bureaus, it will be put right back on your credit report. SKYY AI Engine Disputing have a system that goes to the root of the problem to get you to handle it permanently. This is the ONLY way to handle the problem. Skyy AI Engine Disputing has a multi-stage process in place that is tailored to your specific case. You will not ever find two reports alike. If this is so, how can you run a general "fix-all" method? The answer is you can’t. Each company responds differently to each client.  

A. Credit bureaus report credit information for a period of seven (7) years. Some states have special provisions for collections and paid liens. Chapter 7, Chapter 11 and Chapter 13 Bankruptcies are each reported for 10 years and the date is measured from the date of the filing.    

Q. How will I find out about my results?   

A. You will receive all results first-hand by mail or email from the creditors and all three major credit bureaus within 45 to 90 days. You then forward a copy of the results to SECURE CLIENT PORTAL for review and begin the next stage of our process.

A. Although the credit bureaus would like to have you think otherwise, there is absolutely nothing illegal about disputing items on your credit report. In fact, it is your explicit right by law to do so under the FCRA.   

Q. Why does the three major Credit Bureaus want you to use a Credit Repair Company?    

A. The the major credit bureaus will tell you that it is less expensive and easier to do it yourself. In some cases, that may be true that you have the right to restore and rebuild your credit file yourself but many individuals like you do not have the time nor experience and organizational savvy necessary to deal with bureaucracies. It is highly recommended to spend hours of study to gain a working knowledge of the consumer laws available to you. Many who start restoring and trying to rebuild their credit turn to a credit repair company after months of work.    

A. Experience has shown us that investigating too many items at one time can slow down the process because the credit bureau may deem our request frivolous. Therefore, you should only submit investigations for the number of items that you deem appropriate for your case. SKYY INC AI engine want you to see results and you will challenge as many items as possible without jeopardizing a slowdown of the process.   

Q. How does a Credit Bureau make money?  

A. A credit bureau is a commercial business. It makes money by selling your credit report file to others commercial business. A consumer with bad credit means more business for them as such a person applies for credit about ten (10) times more than a person with good credit.   

Q. Who can see my credit report?   

A. Anyone who wants information for a business transaction between you and they may obtain your credit report file. This may include an creditors, insurance company, a prospective landlord, a prospective employer, a debt collector or a government official.