Sky Blue Credit Repair: 2024 Review

What You Can Expect From Sky Blue Credit

The main Sky Blue Credit repair services include:

• Pro analysis
• Filing disputes
• Score assistance and credit rebuilding

Examining credit reports can often be a daunting task. However, experienced companions like Sky Blue Credit reviews these reports and spare you a great deal of anxiety. The Pro Analysis service identifies inaccurate, outdated, incomplete, or unverifiable items. Some issues are easier to detect than others, and not all are equally important, which is why this form of assistance is invaluable.

Sky Blue Credit obtains free credit reports you are entitled to and starts the dispute process by customizing dispute and re-dispute letters based on each individual case. This increases your odds of success. In situations where a collection account is a dispute candidate, Sky Blue Credit ensures to check the statute of limitations for that debt before starting a dispute process. 

Favorable outcomes of credit report disputes won’t necessarily increase your credit score, so Sky Blue Credit also gives you quality credit repair advice tailored to your specific credit score optimization needs. You may be advised to open new accounts and pay down balances or anything else that may rebuild your credit and improve your FICO score. 

You won’t have to do any of this alone. Sky Blue Credit customers are guided through every single step. According to the company’s credit repair website, Sky Blue Credit is not affiliated with any of the firms that may be suggested throughout this process. 

What we found to separate Sky Blue Credit from competitors is that it offers a free consultation and goodwill letters at no extra cost. In contrast, some credit repair companies charge for additional services.

Additional Services

Additional Sky Blue credit repair services are offered free of charge:

• Debt validation letters
• Goodwill letters
• Cease and desist letters
• Debt settlement/negotiation consultations

You have the right to request debt validation under the Fair Debt Collection Practices Act. Validating a debt shouldn’t be confused with disputing it – you can dispute a debt or part of it at any time, but you only have 30 days to validate it after receiving a collection letter.

Deciding on whether or not to validate a debt can be tricky. In most cases, checking the amount of debt and information about debt collectors can prove very useful. However, you run a small risk of your inquiry, resulting in escalated collection efforts. Luckily, Sky Blue Credit reviews your situation with all of this in mind and suggests the best course of action. If needed, it will send debt validation letters.

There are no guarantees when sending a goodwill letter because the creditor has every right to refuse your plea. Of course, if the creditor is willing to consider your request, you could end up with fewer negative marks on your credit report. Sky Blue does an outstanding job determining whether you’d benefit from a goodwill letter.

Another option that falls within the realm of extra Sky Blue Credit repair services is a cease and desist letter. Much like with the debt validation process, this measure shouldn’t be pursued lightly. By implementing it, you open yourself up to a possible lawsuit.

The cease and desist letter is a document in which you request that creditors stop communicating with you, which may lead them to conclude that the only way for them to collect their money is through the courts.

The most reliable credit repair option is to pay off your debts. Sky Blue Credit offers extremely helpful debt settlement and negotiation consultations that could aid you in arranging lower debt payments or even getting rid of the debt entirely.

As you’ve probably noticed, most of these additional services don’t apply to everyone’s credit repair needs and can further complicate a personal finance situation. For someone attempting to repair bad credit on their own, the best thing to do is to steer clear of the risky options. 

But Sky Blue’s professional credit repair teams can spare you the trouble of having to research credit repair strategies and stop you from aggravating a bad situation. Keep in mind that not all credit cleaners are as honest as Sky Blue Credit, and some are likely to take advantage of you.

Sky Blue Credit Price and Guarantee

There are no price packages to choose from at Sky Blue Credit. There is a setup fee and a monthly fee. The setup fee of $79 is charged after Sky Blue Credit repair reviews your credit reports and determines that you need the company’s services. If it turns out that you could use Sky Blue Credit’s help to clean up your credit report, the setup fee will be charged six days after you sign up. The monthly fee is also $79.

Upon signup, Sky Blue Credit will assist you in getting credit reports and monitoring. This service comes free of charge with your Sky Blue membership. You can easily pause your membership without any extra charges. The same goes for restarting your membership – all you have to do is log into your account and click a single button.

A special couples discount also lowers the second member's cost to $40, which amounts to a total monthly payment of $119.

Sky Blue Credit is the only credit repair company with a condition-free 90-day money-back guarantee. Most companies’ guarantees are voided if there is a single deletion. The Sky Blue refund policy is the company’s way of demonstrating its level of commitment to providing actual results.

Speed of Service

Most companies file disputes over a 45-day period. But Sky Blue Credit says its accelerated dispute cycle offers more efficient results. The efficiency of this strategy is debatable since it’s not a good idea to send too many letters and disputes to the credit reporting bureaus, where it may be treated as spam. 

Still, users’ Sky Blue Credit repair reviews and files five disputes per bureau on a 35-day cycle, which is 10 days less than the Fair Credit Reporting Act allows a credit bureau to look into a dispute.

Considering Sky Blue Credit’s extensive experience, it’s entirely plausible that this strategy shortens the whole credit repair process by months.

Sky Blue Credit Repair Reviews by Customers 

Sky Blue Credit has an excellent A+ rating from the Better Business Bureau (not accredited) and a score of 3.67 out of 5 based on 24 customer reviews. Users’ ratings range from excellent to very poor, but Sky Blue Credit addresses complaints underlying the poor ones. 

A possibly even better metric of consumer satisfaction is Sky Blue Credit’s 4.8 score out of 5 based on more than 200 user reviews on ConsumerAffairs.

The Bottom Line

Boosting your credit score is a tedious endeavor, and although doing it yourself is cheaper, credit restoration companies help you avoid mistakes and save you a lot of time. We recommend that you partner with Sky Blue Credit since it’s one of the best and most affordable credit repair companies on the market and offers a free consultation.