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In-Depth Analysis

Sky Blue Credit Repair Review

I. Mitic Image
ByI. Mitic
March 02, 2022
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Americans are being crushed by debt. In the first three months of the previous year, household debt in the US rose to $14.3 trillion. This translates into tighter credit standards and borrowers finding it more challenging to qualify for mortgages and refinancing.

So if you are among the growing number of Americans who need to clean up their credit report and raise their scores, consider hiring Sky Blue. Sky Blue Credit repair reviews your credit report and helps you get your finances back on track.


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$79/month + one-time setup fee
15 credit disputes per 35 days
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


Sky Blue has more than three decades of experience in the credit restoration business. It was founded 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’s personalized approach, and genuine feedback are quite refreshing. The company will even tell you if you don’t require their services or if they’ve done all that they can for you.

The many positive Sky Blue Credit repair customer reviews on the Better Business Bureau testify to the quality of the service. Although the company doesn’t have BBB accreditation, their profile on the site has only one negative review.

How does Sky Blue compare to other credit repair companies?

Sky Blue Credit Logo
Sky Blue Credit

$79 per month



Credit Saint Logo
Credit Saint

$79.99/month (1st fee $99)


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What you can expect from Sky Blue Credit repair

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 review 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 of them are equally important, which is why this form of assistance is invaluable.

Sky Blue customizes 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 makes sure to first 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 also gives you quality credit repair advice tailored to your specific needs. You may be advised to open new accounts and pay down balances or anything else that may rebuild your credit and spice up your FICO score.

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

Additional services

Additional Sky Blue credit repair services offered free of charge:

  • Debt validation
  • 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 the collector 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.

It goes without saying that 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 will determine 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 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 aren’t applicable to everyone’s credit repair process and can further complicate matters. For someone attempting to repair their 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, and some are likely to take advantage of you.

Price and Guarantee


There are no price packages to choose from at Sky Blue. 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’s help to clean up your credit report, the setup fee will be charged six days after you sign up. The monthly fees are also $79.

Upon signup, Sky Blue 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.

There is also a special couples discount that lowers the cost for the second member to $40, which amounts to a total monthly payment of $119.


Sky Blue is the only credit repair company with a condition-free 90 day 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 is proud of its accelerated dispute cycle and claims to offer 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, Sky Blue Credit repair reviews and files five disputes per bureau on a 35-day cycle.

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

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 up with Sky Blue since it’s one of the best and most affordable credit repair companies on the market.

Q & A

Is Sky Blue Credit legit?


Sky Blue is a legitimate company that doesn’t offer false promises of guaranteed credit repair or pushes unnecessary services on customers. Many Sky Blue Credit Repair reviews on BBB confirm the legitimacy and quality of this company.

Can credit repair companies really fix your credit?


The short answer to this question is yes. However, some situations go beyond the capabilities of credit repair service providers. Unlike much of the competition, Sky Blue will give you an accurate assessment of where you stand. After Sky Blue Credit reviews your credit reports, the company informs you if you require credit repair services. 

How long does the credit repair process take?


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 has a convenient 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?


The answer to this question always boils down to a 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 level of experience as Sky Blue and is more expensive. Ultimately, it comes down to each customer’s individual 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 really go wrong with either one.

How much is Sky Blue Credit Repair?


There are no Sky Blue pricing packages. There is a $79 startup 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?


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 instantaneous and massive score boosts. If you don’t feel that you’re up to the task, check out the list of the best credit repair companies and pick one. We recommend Sky Blue.

How to clean up your credit?


You should start by requesting your credit reports from the three major credit reporting bureaus and examining them closely. If you find any errors in those reports, dispute them. Most importantly, you should work towards paying off your debts. Be very careful about the measures you intend on pursuing, as some could actually have negative repercussions on your FICO score. If you’d like to spare yourself the headache of having to do all of this by yourself, you should pay someone to do it for you. Sky Blue Credit repair reviews each and every case meticulously and offers great advice.