In-Depth Analysis

Sky Blue Credit Repair Review

Advertiser Disclosure
Written By
I. Mitic
Updated
October 12, 2022
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

Americans are being crushed by debt. In the second quarter of 2022, household debt in the US exceeded $16 trillion. This translates into tighter credit standards and borrowers finding it more challenging to qualify for mortgages and refinancing.

If you are among the growing number of Americans who need to raise their credit scores, Sky Blue Credit can help repair them and reviews by customers indicate the company helps you get your finances back on track even faster than many competitors on the market.

Price
$79/month

Free Evaluation: Yes

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Fortunly Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

PRICE
$79/month + one-time setup fee
SPEED OF SERVICE
15 credit disputes per 35 days
FREE EVALUATION
Yes
GUARANTEES / WARRANTY
Yes
BBB RATING
A+
YEARS IN BUSINESS
32
CUSTOMIZED SERVICE
Yes
pros thumb up Strengths
  • Great customer service
  • 90-day 100% money-back guarantee
  • Speedy service
  • In-depth credit report analysis
  • Exceptional advice
  • Customized disputes
  • No extra fees
  • 30+ years of experience
pros thumb up Weaknesses
  • Not BBB accredited

Overview

Sky Blue Credit has more than three decades of experience in the credit restoration business. It was founded as a credit repair agency in 1989 and has since established a reputation for reliability, efficiency, and exceptional customer support.

Credit repair companies will often inflate your expectations and apply a one-size-fits-all approach to repairing your credit score. That’s why Sky Blue Credit’s personalized approach and genuine feedback are refreshing.

The Boca Raton, FL-based company will tell you if you don’t require its services or if it has done all it can for you. And the many positive Sky Blue Credit repair customer reviews online testify to the quality of the service.

How does Sky Blue Credit compare to other credit repair companies?

Sky Blue Credit Logo
Sky Blue Credit
Price

$79/month

Guarantees

Yes

Credit Saint Logo
Credit Saint
Price

$79.99/month (1st fee $99)

Guarantees

Yes

CreditRepair.com Logo
CreditRepair.com
Price

$69.95/month (1st fee $69.95)

Guarantees

Yes

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.

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.

FAQ

Is Sky Blue Credit legit?

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Sky Blue Credit is a legitimate company that doesn’t offer false promises of guaranteed credit repair and doesn’t push unnecessary services on customers. The company is regulated by the Credit Repair Organizations Act. Many Sky Blue Credit Repair reviews on the Better Business Bureau website confirm the legitimacy and quality of this company.

Can credit repair companies really fix your credit?

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The short answer to this question is yes. However, some situations go beyond the capabilities of the credit repair industry. Unlike much of the competition, Sky Blue Credit will accurately assess where you stand. After Sky Blue Credit reviews your credit report, the company informs you if you require credit repair services.

How long does the credit repair process take?

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The length of the credit repair process depends on each individual case, as everybody’s finances and spending habits are different. It can take months to remove all the negative information that keeps lowering your FICO score.

Sky Blue Credit offers an option to pause credit repair services for as long as necessary. During this time, you do not receive payment requests.

What is the best credit repair company?

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The answer to this question always boils down to Sky Blue vs. Credit Saint. Both companies are reliable and offer 90-day money-back guarantees. Although Credit Saint offers more services, it doesn’t have the same experience as Sky Blue Credit and is more expensive.

Ultimately, it comes down to each customer’s needs – do you need the pricier, more versatile option or the simplified, more affordable one? More research might help you decide, but you can’t go wrong with either.

How much is Sky Blue Credit’s repair service?

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There are no Sky Blue pricing packages. The Sky Blue Credit cost includes a $79 initial fee and the $79 monthly fees. If you share your finances with someone, you are eligible for the couples discount that reduces the cost for the second member to $40.

Does credit repair really work?

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Credit repair works if you know what measures to take. You should take into account that removing unfavorable points from your credit reports doesn’t offer immediate and massive score boosts. If you don’t feel you’re up to the task, check out the list of the best credit repair companies and pick one. We recommend Sky Blue Credit.

What can Sky Blue Credit repair remove from my credit report?

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A good credit repair service can delete items from your credit report, including late payments to mortgage lenders or another financial institution, charge-offs, bankruptcies, and liens. 

No credit repair company can promise to remove these items from your credit report, but improving credit scores is something a professional credit repair company such as Sky Blue Credit does better than a borrower would on their own.

 

How do you clean up your credit?

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If unsure how to clean up your credit, you should start by requesting your credit reports from the three major credit bureaus. If you find errors in the credit bureaus’ reports, dispute them. Most importantly, work towards paying off your debts. Be careful about the measures you intend on pursuing, as some could adversely affect your FICO score and damage your credit history. 

If you’d like to spare yourself the headache of rebuilding your credit history by yourself, you should pay someone to do it for you. Sky Blue Credit repair reviews by its customers indicate that this company provides its users with credit score assistance to help them improve their scores.