Frequently Asked Questions
Why choosing OpenSky Credit Repair?
We understand our work is important and life changing for many of our clients. That is why we treat it with the appropriate level of respect and urgency it demands.
It is our mission and passion to help families and individuals reach financial freedom thru:
- Financial education
- Credit restoration
- Credit building
- Identity theft protection
- Debt payoff strategies
- Providing resources for important legal documents that will protect families.
It is our commitment to help families grow financially and allow them to spend more time together.
Is credit repair legal?
Yes. It is your right under the Fair Credit Reporting Act (FCRA) to dispute any inaccurate and not verifiable items on your credit report.
Is it worth it?
Yes. It is always better to start improving your credit before you need to apply for a loan. Having a subpar score will limit you from competitive interest rates on loans, which can add up to thousands of dollars over the course of the loan. When you compare the price of credit repair to the high interest rates, it is easy to understand why credit repair is worth it.
How long before I see results?
Our credit repair process is a 6 month program. You could start seeing results within the first 35-45 days. However the time it takes to rebuild your credit can take longer. Depending on the state of your credit when you start the program, it can take up to a year or more to achieve a good credit score. The sooner you begin the better, the sooner you can be on the road to improving your credit and achieving your goals.
What items can be removed?
We can help clients with removals of bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, student loans, and more.
Will paying off my bills improve my score?
Yes and no. Paying your bills on time will improve your credit score in the long run, but it will not remove derogatory accounts such as collections, charge-offs, or other negative marks on your report.
What are Equifax, TransUnion, and Experian (the "Bureaus")?
The Bureaus are what we call Credit Reporting Agencies. These are privately held agencies that sell your personal and financial information in the form of "credit reports" to other businesses who use that information to make an educated decision on whether or not to give you a credit line.
What areas do you service?
We service clients nation-wide.
Can I meet with a representative in person?
Absolutely! We provide in person consultations in Orlando, Florida and Phonix, Arizona.
Meetings are by appointment only. Please call in for scheduling. Keep in mind that there is no advantage to meeting us in person; we have serviced thoudands of customers, all over the country, with a phone call. You will receive the same level of service in any of our locations or by speaking to our phone representatives.
5323 Millenia Lakes Blvs Ste 300
Orlando, FL 32839
3302 W. Thomas Rd Ste 11
Phoenix, AZ 85017
Do you charge any upfront fees?
We do not. You will only be charged for he credit repair after work has been done.
Do I have to do any work?
No. We do absolutely all the work for you.