Sky Blue Credit Repair Review: Pros, Cons, Costs and More

Based in Boca Raton, Sky Blue Credit Repair offers credit repair, credit bureau disputes, credit cleanup, and FICO score improvement. They also provide credit education, credit rebuilding, and a wide range of other services.

They offer all of their products and services for a competitive monthly fee and a money-back guarantee. With Sky Blue Credit Repair, you can expect first-rate customer service and support, as well as all the resources you need to rebuild your credit. You may also enjoy their mobile app that you can use on your smartphone or tablet.

Whether you want to remove outdated credit card balances, or need help rebuilding your score, Sky Blue can help. Below is our comprehensive Sky Blue Credit Repair review. To find out more, we recommend that you visit the Sky Blue Credit Repair website.

Quick Overview

  • Established credit disputing services in 1989
  • Simple and efficient dispute process
  • C+ rating with the Better Business Bureau (BBB rating)
  • Month-to-month contract
  • Monthly fee is $79 individual, $119 couples discount
  • $79 setup fee
  • 90-day money-back guarantee, cancel any time with a full refund policy
  • Registration via phone or online form

Sky Blue Credit Repair is also fully bonded. They currently carry licenses with the Credit Repair Organizations Act (CROA) and the Attorney General Offices.

Learn More About Sky Blue Credit Repair

Sky Blue Credit was founded in 1989, making them one of the oldest companies around. They offer an aggressive credit repair service to help you improve your credit. The company functions like any standard credit repair company.

They monitor your credit report, look for errors, and attempt to repair them. Sky Blue engages directly with creditors and credit bureaus on your behalf. They continue to send correspondence and challenge items until the creditor corrects them. They also make a great effort to educate their clients and provide useful resources.

Sky Blue is known for being a leader in the industry. They design their online technology and customer portals. They simplify the credit repair process. Plus, they are registered with the highest government agencies and organizations in the industry.

Sky Blue Credit Repair Features and Options

Some several features and benefits make Sky Blue Credit Repair comparable to other credit repair companies such as Lexington Law, Credit Saint, or Credit Karma such as:

Free Consultation

A consultation with a Sky Blue representative can help you determine if they are the right credit repair company. Best of all, it’s free! You can discuss your current financial situation and your credit score. You can also ask questions about how they remove negative items from your credit report.

A consultant can tell you how they undergo debt validation and engage with creditors. A consultant can also share the extra services they provide. You can get a line-by-line rundown of everything the company has to offer.

Comprehensive Credit Report Review

Once you sign up for Sky Blue’s services, they will perform a complete itemized review of your credit history. They give you a detailed explanation of every item on your credit report and how they will remove or correct them.

Sky Blue may dispute incorrect items such as:

  • Negative items that do not fall within the statute of limitations for reporting
  • Outdated balances
  • Accounts that are still opened long after you closed them
  • Incorrect personal information or split credit files
  • Duplicate reports of the same item
  • Incorrect bankruptcy information

Personalized FICO Score Rebuilding Strategy

Sky Blue Credit Repair agency is one of the best credit repair companies for creating customized credit-rebuilding strategies. Your Sky Blue agent will speak with you to go over all of your credit repair options. From there, they will help you put together a strategy that works for your finances.

Sky Blue’s goal is to help you boost your overall credit score so that you can reestablish your credit. Therefore, they have a detailed hands-on approach that allows you to meet your goals.

Creditor Assistance and Disputes

There are several ways that Sky Blue engages with creditors, including:

  • Debt validation
  • Goodwill letters
  • Cease and desist letters
  • Phone calls and emails

Sky Blue continues to contact with creditors until they get results. If you have bad credit due to negligence or false reporting, Sky Blue works with creditors on your behalf.

Monthly Credit Monitoring and Reports

They also monitor creditor activity on all three credit bureaus, including:

  • Experian
  • Equifax
  • TransUnion

Once a month, you will receive a complete updated report of all credit bureaus. Also, Sky Blue offers notifications when new items hit your credit report. You can find out when someone has posted a negative item.

Pros and Cons of Sky Blue Credit Repair

Sky Blue Credit Repair often ranks #1 or near the top of many critics’ ‘best credit repair companies’ lists. However, with all the benefits of using the company, there may be a few concerns. Let’s take a look at the pros and cons of Sky Blue.


Exceptional Customer Service

Sky Blue has a C+ rating from the Better Business Bureau. However, they have a total of 44 positive reviews and have outstanding reviews from other review sites. The company offers a free consultation. They also provide responsive customer service and offers practical solutions to all credit problems.

Sky Blue also makes it a point to notify customers about problems with the credit report. Finally, they tell customers when they will no longer be charging them because they completed their work. You get the idea that Sky Blue is BIG on communication.

90-Day Guarantee with No Hassle

The only way a company in the credit repair industry offers a money-back guarantee is if it delivers results. Furthermore, a company must be legitimate if it can provide a guarantee with no conditions. That is one feature that separates Sky Blue from the pack.

If you are not satisfied with the service, they refund all payments and the setup fee. If you do not see your credit score improve, you can get your money back.

Personalized Correspondence and Disputes

One of the reasons why Sky Blue gets positive customer reviews is because of its personalized service. Most companies send out the same letters and correspondence. Sky Blue sends out customized letters based on your situation.

Their entire credit repair process is built around you, the individual. All dispute and re-dispute letters tell your story and relay your complaints. This creates better communication between Sky Blue, all creditors, and the credit bureaus.

Education and Resources

If you are trying to rebuild your credit or overcome identity theft, Sky Blue Credit Repair offers resources. You can visit the education center on their website to get answers to your questions. The education center offers several resources, such as:

  • Credit repair tutorial
  • Credit score tutorial
  • FAQs – Questions & answers
  • Credit tips
  • How-to guides
  • The Sky Blue blog

If you cannot find what you are looking for, you can always call a credit expert. They are happy to help you with any issues you have.

Fast Turnaround

Most credit repair companies deal with consumer affairs within a 45 to 60-day period. Therefore, you should start seeing credit report results within two to three months. Sky Blue tries to speed up the process by sending out multiple inquiries and letters.

The company will dispute up to 15 inquiries every 35 days. Each credit bureau gets five disputes. They send out more disputes within a month than most companies. As a result, it speeds up the credit repair process.

Internal Disputing Process

Sky Blue’s credit repair process minimizes how much you have to get involved. This saves you time and money doing it yourself. Sky Blue includes your contact information with every dispute.

How does this benefit you? The credit bureaus will respond directly to you when there are updates on your report. This keeps you from waiting on creditors to send you a notice in the mail. This is a huge time-saving feature.

The Online Portal

If you do not like emails and phone calls, you can visit Sky Blue’s online portal. The online portal allows you to track the progress of your case. All you have to do is register online, fill in a few lines, and you are ready to go.

You can update your information, upload documents, and chat with an agent. You can also use the online portal to cancel your subscription. The portal makes using the service more accessible.


With the benefits of Sky Blue’s credit repair service, there are a few things you need to consider including:

Limited Payment Options

Sometimes, having a simple process also means having limited options. Sky Blue offers two basic plans:

  1. $79 monthly fee for individuals
  2. $119 monthly fee for couples (with the couples discount)

The good news is that this is a competitive fee – low in the industry. However, there are no other choices for how you pay. For instance, some companies such as BCR Consulting or My Credit Group allow you to pay-per-item deletion. Companies claim that they can save you money since you don’t have to pay a monthly fee. Rates may range from $5 to $20 per deletion.

However, pay-per-deletion companies are quickly becoming outdated. Some are considered scams in the industry. So, if you choose a pay-per-deletion method, then do your homework and choose your company wisely.

Some credit repair companies set up more monthly payment options than Sky Blue. For examples, Lexington Law has three different payment plans that look like this:

  • Concord Standard $89.95 per month
  • Concord Premier $109.95 per month
  • Premier Plus $129.95 per month

With a triple-tier plan, customers can choose which plan they want based on their needs. There are more options to choose from than Sky Blue’s program.

No Legal Staff on Board

It should be noted that most credit repair companies do not have a legal staff. Instead, they have trained and knowledgeable credit repair specialists. If you need a basic repair on your credit report, Sky Blue provides above-average services.

However, if you are disputing some high-level, serious accusations against your credit, you may want to turn elsewhere for legal advice. Some credit repair companies like Lexington Law have legal experts. Sky Blue may not be able to help you with serious legal matters.

Bottom Line: Is Sky Blue Credit Repair for You?

Whether or you should use Sky Blue’s service largely depends on your financial needs. Here’s our final take:

Use Sky Blue If:

  • You want a simple approach, and you don’t need options
  • You want a competitive startup and monthly fee
  • You need quick results
  • You don’t have to be involved in the process after the initial consultation
  • You don’t want to commit long-term
  • You appreciate the responsive customer support

Keep Searching If:

  • You need legal advice or think you may enter into a lawsuit
  • You want more options that are tailored to your needs
  • You want to more involved in the process

How to Find a Reputable Credit Repair Service

Fixing your credit report is not an easy task. It can take several months to resolve your disputes. You may also spend countless hours haggling with creditors. It may not be worth all the time and effort.

So, if using a company to improve your credit score sounds better, here is what you should look for.

Choose a Company with the Highest Ratings

The credit repair industry has a reputation for scamming desperate people. Companies make lots of claims that they don’t back up. You may also pay too much money and get little in return.

The best way to ensure that you don’t get scammed is to use an established, well-known company. Look for companies that have high customer ratings. Also, look for companies that consistently rank high on review sites. You may also want to ask around to find out what company your friends have used.

Beware of Outlandish Claims

If a major credit repair service claims that it can repair 100% of your credit in 30 days or less, then keep searching. Instead look for companies that make reasonable claims such as:

  • You should see results within 45 to 60 days. Keep in mind that this is typically the soonest you will see any results. Some changes in your credit report can take much longer.
  • The company may not be able to remove all items on your report. This is a fair claim that a responsible company will make. Even the best companies don’t get it right 100% of the time.
  • They offer a money-back guarantee. A company would not do this if they did not provide an excellent service. Most services offer a 90-day money-back guarantee. They do this because that is how long it takes to start seeing real results.

Look Beyond Just the Price

Credit repair is an investment in your financial future. So, the best way to approach looking for a company is to determine the ROI. What are you getting vs. what you are paying for?

Some companies charge higher fees, but they provide better services. Determine your needs, compare the costs, and then go with the company that best suits your situation.

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