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Sky Blue Credit Repair Review

The fact that you’re on this page probably means that you are in the midst of trying to improve your credit score and want to understand if you should use Sky Blue to do so. This review will give you everything you need in deciding whether to move forward.

Your credit score is one of the most essential components of your financial health. Banks look at your credit score to determine whether you qualify for a mortgage or not. If you are eligible for a mortgage, your credit score will dictate what interest rates your loan will carry. 

The same methodology applies to most other loans and lenders, and all of them center around your credit score. Healthy credit scores make it easier to qualify for loans with lower rates, but damaged credit scores can produce the opposite effect and even disqualify you from much-needed credit.

Thankfully, credit repair companies exist to help you identify missed payments, inquiries, and errors on your credit report and help you remove them if they are able. Sky Blue credit repair is one of the most reputable and popular credit repair companies on the market.

Sky Blue Company Background

Sky Blue credit repair,  based in Boca Raton, Florida, is one of the top-rated credit repair companies in the US. They work with a variety of credit situations. Their goal is to help individuals and couples with derogatory credit reports and damaged credit histories repair their credit scores, so they can access loans and qualify for competitive interest rates.

Customers all go through a complimentary consultation call to see if Sky Blue credit repair is a good fit for their situation. Since credit histories are unique to each individual, a Sky Blue  representative will want to ensure the potential client could benefit from their help.

Complimentary consultations go a long way in the credit repair space because Sky Blue is one of the few companies that will tell applicants if they will benefit from a credit repair service and actually turn people away if they do not believe that Sky Blue will be able to improve their credit score.

Contact Information for Sky Blue 

Sky Blue  is available 9 AM – 7 PM, Monday-Friday, EST at 1-800-790-0445, and you can also reach them online or by email. 

Suppose you are not sure how to approach a credit repair service. In that case, Sky Blue  offers plenty of free resources and educational material about credit, credit bureaus, and how the different components of your credit score blend to provide your credit history.

Once you decide to work with Sky Blue, you can schedule a free consultation online or call their number directly to talk to a representative.

How Does Sky Blue work?

Sky Blue works on your behalf to communicate with the three major credit bureaus (Equifax, TransUnion, and Experian) and start rebuilding your credit profile. Federal law stipulates that all citizens are eligible to receive a free credit report. Sky Blue will help you pull your credit report and begin analyzing it line by line for erroneous entries, duplicate line items, or fraudulent activity.

* It’s important to note that credit repair companies cannot erase legitimate debts or increase from your credit profile. If you owe money to a creditor or lender, you should not dispute it if they have a valid verification that you should pay them.*

Examples of items that can be removed from your credit report include bankruptcies, student loan debt, repossessions, and hard inquiries. Common errors would  include something like duplicate inquiries, which are not allowed on a credit report but are sometimes filed. 

Plan Options

Sky Blue  only offers one plan for their credit repair service, which includes a dedicated representative, line-by-line analysis of your credit report, and the sending of dispute letters to credit bureaus on your behalf. 

Plan Costs

There is an initial setup fee of $79 and a monthly subscription of $79 until you cancel the service, or Sky Blue cancels your subscription when they complete their job. They offer a 50% discount for couples, so a spouse would only pay $39 a month plus the original $79. 

Pros (What we like)

  • Free consultations
  • 90 Day money-back guarantee
  • Positive Ratings

Cons (What we don’t like)

  • Service could be redundant 
  • The monthly fee can be expensive for some 

Sky Blue Reviews

Most reviews for Sky Blue credit repair are positive, and they have an A+ rating on the Better Business Bureau (BBB) website, although they are not yet accredited. Most customers praised their friendly customer service and dedication to helping people improve their credit situation.

Consumers who need credit repair assistance can feel overwhelmed by the lack of control over their finances. A reassuring representative will go a long way and walk them through the credit repair process.

Sky Blue Complaints

There aren’t many negative reviews or complaints about Sky Blue  service, but there are two potential issues customers can run into if they are not aware of Sky Blue’s practices.

First, some consumers believe that it would be better to do a credit repair on their own instead of hiring a credit repair service. While filing dispute letters with credit bureaus and pulling your own credit report is possible, many people value their time. They would prefer to hand off the legwork associated with credit repair to an expert.

The next complaint from past customers revolves around communication. Some customers did not believe that Sky Blue communicated enough with them and that they should have received more calls and emails. However, this is in the minority of complaints, and the reality is credit repair is a two-way street. Suppose you want to work with a credit repair company. In that case, they may need you to sign documents or verify loan agreements, so the entire credit repair process can be delayed if the customer does not respond to calls and emails in a timely fashion. 

What to expect after sign up

Once you sign up, you will get a dedicated representative who will immediately start working on your profile. Once they have your credit report, they will go through each line item to find contestable material even in the most nuanced inquiries.

If they find any fraudulent or erroneous reports, they can send 15 disputes every 35 days, which is incredibly quick, to all three credit bureaus. Any more disputes than that could be counterproductive, but Sky Blue will do their best to ensure the bureaus drop negative marks on your report. 

Services provided with the subscription include debt validation, educational material to build your credit score, negotiation assistance, and goodwill letters to lenders and creditors. 

How to Cancel Sky Blue 

Canceling Sky Blue is simple and straightforward. If you have a monthly subscription on their $79 plan, you can cancel by calling your representative or submitting requests online.

Reasons to cancel your Sky Blue subscription are either due to a successful credit repair where they identified issues on your credit report and helped you rectify them with the credit bureaus, or you didn’t find their service useful.

One of the amazing aspects of Sky Blue is its 90-day money-back guarantee. Since credit repair is so difficult to standardize due to the personalized nature of the service, very few providers offer money-back guarantees, which is a pleasant surprise found with Sky Blue. If you do not have a satisfactory experience during your first three months, you can request a full refund, including the initial $79 setup fee.

Their money-back guarantee is one of the most influential aspects of their A+ rating on the BBB website.

Sky Blue will cancel your subscription for you if they complete their job early once they receive confirmation from the credit bureaus that any derogatory remarks that could be removed are gone and your credit score is in a healthier place. 


Do credit repair companies really help?

Although most aspects of credit repair can be accomplished on your own, credit repair companies can expedite the process and know exactly where to look on your credit report for items that can be dropped or have been misreported.

Skyblue is one of the best options to try if you are curious about credit repair services because they offer a 90-day money-back guarantee. They will be honest with you if they think they can help your credit situation, and if not, they will be upfront and recommend free resources that can help you boost your credit score without a credit repair service.

Sky Blue vs. Lexington Law

Sky Blue is one of the top credit repair companies on the market. Lexington Law is arguably one of the largest credit repair companies, but they do not carry the same high remarks and reviews as Sky Blue.

Overall, Sky Blue is probably a better choice for most consumers who are considering a credit repair service because of their complimentary consultation and 90-day money-back guarantee.

Lexington Law is known to be consistently adequate; however, all of their plans are priced differently, and choosing the right service level can be tricky if you don’t know what you are looking for.

However, Lexington Law excels from a legal standpoint because they have licensed attorneys on their team who are experts at credit law. If you find yourself in a more complicated credit situation, you may benefit from their legal expertise.

Sky Blue  vs. Credit Saint

Sky Blue  and Credit Saint are both reputable credit repair companies that offer 90-day money-back guarantees and quick turnarounds for identifying negative items on your credit report that can be removed.

There are not many differences upfront when deciding between these two because both provide a complimentary consultation to discuss your credit score and issues with your credit report. However, differences arise when you decide to hire one of these credit review companies.

Sky Blue  charges a flat rate of $79 per month after a $79 setup fee. Credit Saint has three different plans that range from $79 for a credit polish, $99 for a credit remodel, And $119 for a clean slate. 

If you have a general idea of what areas on your credit report need assistance, Sky Blue  may be enough to handle your credit repair. Still, if you want to spend more to have a dedicated representative sift through your entire credit history and work with your personal finances, Credit Saint may be a better option.

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