Improve Credit Score:
Add Positive History, Keep Track and Fix Errors
There are several services designed to improve, monitor, and repair the credit score, each using a slightly different approach. We compare three popular options: Tradeline Supply, SmartCredit, and Sky Blue Credit.
- Boost Your Credit Score by Adding Positive Tradelines
- Improve Your Score by Monitoring and Managing Your Credit
- Raise Your Score by Repairing Errors and Negative Items
Tradeline Supply:
Boost Your Credit Score by Adding Positive Tradelines
Tradeline Supply specializes in authorized user tradelines. By being added to someone else’s credit account, the positive account history can appear on your report, potentially boosting your score quickly.
- Peer-to-Peer Marketplace: Buy and sell tradelines online.
- Educational Resources: Guides, calculators, and FAQs help you make informed decisions.
- Guaranteed Reporting: Tradelines are reported to credit bureaus, though the exact score increase cannot be guaranteed.
SmartCredit:
Improve Your Score by Monitoring and Managing Your Credit
SmartCredit provides tools to track, protect, and optimize your credit score over time. This service focuses on continuous monitoring and proactive management rather than immediate boosts.
- Access credit reports and scores from all three major bureaus.
- Identity theft alerts and monitoring for suspicious activity.
- Tools to dispute errors in your credit reports.
- ScoreBuilder® Plan: A 120-day actionable program to help improve your credit.
Sky Blue Credit:
Raise Your Score by Repairing Errors and Negative Items
Sky Blue Credit specializes in credit repair, helping you dispute errors or negative items that may be dragging your score down.
- Identify and challenge inaccuracies with all three major credit bureaus.
- Personalized online portal to track disputes and progress.
- Flexible membership plans that include monthly updates and credit monitoring.
- 90-Day Money-Back Guarantee if you’re not satisfied with the results.