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3 Credit Scores

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3 Bureau Credit Monitoring

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Why Should You Choose

SkyCreditPros

With SkyCreditPros, you gain access to a wide network of Providers that fill the gaps of your credit needs that others simply don’t. Once you submit your request, SkyCreditPros will connect you to one of our trusted Providers with no strings attached. Assess your options and to see if the Provider we found is the right one for you without commitment. If you don’t like your option, simply come back and we will try and find you a Provider that can better assist you with your credit needs. We do not charge you a fee for using our service!

Make Better Financial Decisions with Sky Credit Pros

Here are some reason why people choose us over our competitors:

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Daily Monitoring & Alerts

Check your scores as many times as you’d like without impacting your credit. Daily monitoring can alert you to suspicious activity that may pose a threat to your credit.

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Instantly Access Credit Scores

Navigate your financial future starting with your credit score. Get instant access to your credit scores and gain insight on what is impacting your credit score.

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Secure Online Delivery

We use industry standard SSL encryption to keep your personal information safe and secure, and to ensure that your data is not intercepted by third parties.

Start Making Better

Financial Decisions

Credit scores play a huge role in your financial life. They help lenders ultimately decide whether you are a good candidate for an extension of credit. This means your credit score could mean the approval or denial of a loan. Your credit score also plays a factor in determining how much interest you will be charged throughout the duration of the loan, which can make your debt more or less expensive for you. Understanding your credit history and tendencies will put you in control of your finances and allow you to make better financial decisions moving forward. Let SkyCreditPros point you in the right direction!

You Have Questions, We Have Answers in Our

Frequently Asked Questions

Why is checking my credit score important?

Credit scoring can be complex and takes into account a number of factors that could impact your overall creditworthiness. Your credit score includes the positive and negative factors affecting your credit. It gives you insight into what you are doing well and offers guidelines on how to improve your credit. With a credit score from one of our Providers, you can track your credit score progress over time and receive customized alerts when changes occur.

What is a soft inquiry vs a hard inquiry?

A soft inquiry is sometimes referred to as a soft credit check. Soft inquiries can occur for several reasons, including when you check your own credit score, or when a lender runs a credit check to preapprove or prequalify you for a loan. Soft inquiries do not impact your credit score because you are not officially applying for credit. However, once you accept the loan offer and apply, the lender will make a hard inquiry. Because hard inquiries are tied to the actual credit application, it will have an impact on your credit score.

How can I minimize the effect to my credit score when seeking new credit?

Applying for new credit only accounts for about 10% of a credit score, so the affect is relatively modest. Exactly how much applying for new credit affects your score depends on your overall credit profile and your credit reports. For example, applying for new credit can have a greater effect on your overall credit score if you only have a few accounts open or a short credit history. To understand how opening a new line of credit can affect you, you can always request a “credit inquiry” or “credit check” to check your credit standing.

How often can I check my credit score?

You can check your credit score as often as you want without hurting your credit. In fact, it’s a great idea to do so regularly and build good habits. At a minimum, it’s a good idea to check your credit score before applying for credit, whether it’s a personal loan, student loan, credit card or something else. By checking a few months in advance of applying for credit, it also gives you time to address anything that could be hurting your score.

Does checking my credit lower my score?

Checking your own credit score is considered a soft inquiry and won’t affect your credit. Soft inquiries don’t have an impact on your credit score because you’re not officially applying for credit. So when you fill out a form to get prequalified for a personal loan, student loan, mortgage or credit card, you can be at ease knowing your credit will not be affected.

What is credit monitoring?

Credit monitoring is the monitoring of one’s credit history in order to detect any suspicious activity, including credit-related fraud and identity theft. Credit monitoring will not prevent fraud, identity theft, or unauthorized use of your credit. However, the credit monitoring offered by some of our Providers will alert you to important changes, such as credit inquiries, public records, delinquencies, negative information, employment changes, new accounts, and other changes to one’s credit history.

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