Sky Blue Credit Repair Review

Sky Blue Credit Review Reviews

Sky Blue Credit Repair is one of the oldest and most seasoned providers of credit fixing services in the US. Its history dates back to 1989! Today, the brand is strongly associated with proficiency and diligence. It has helped customers across the country to raise FICO scores and access more affordable loans.

Lenders are interested in reliable borrowers, so they interpret poor scores as a red flag. For such people, getting a loan is difficult. Their applications are rejected, or the interest is exorbitant. Negative items on the report, such as late payments, hurt your chances. If this information is inaccurate, Sky Blue Credit Repair will help you delete it so the score will rise.

For an individual, correcting a credit report is a hassle. While every US resident can do it for free, this process is tricky and time-consuming. You need to navigate consumer credit laws and communicate with bureaus and lenders in writing. The comprehensive package from this company is a universal solution.

The firm offers simple pricing and an unconditional money-back guarantee. Its service bundle is one of the most affordable on the market. Discounts and stellar reviews are other advantages. Discover more about Sky Blue Credit Repair in our analysis below.

What is Sky Blue Credit Repair?

What is Sky Blue Credit Repair

This company is based in Boca Raton, Florida with a presence in all states. Sky Blue’s mission is to delete inaccuracies from credit reports to help customers raise FICO scores. The Sky Blue Credit Repair BBB rating is C.

Negative items like tax liens or late payments make borrowing complicated — lenders reject such applicants or charge higher interest. If you have been a model consumer from day one, your reports may still be flawed. Sky Blue removes false information by liaising with bureaus and creditors.

The company monitors your score and works to enhance it. Its goal is to rebuild the credit history file, wiping off inaccuracies. When these are proven and challenged, they are removed, and the FICO score increases automatically.

Here is how this works. First, the company obtains copies of your reports from all three major US bureaus (Experian, Equifax, and Transunion). Then, it identifies errors. The firm collects evidence and challenges false items. This is done through communication with credit agencies and lenders.

When the mistakes are corrected, the FICO score improves. This takes six months on average, according to Sky Blue. The experts have experience in all areas of the process. For a consumer, disputing errors is challenging even when they are minor. Firms like Sky Blue make this correction hassle-free.

Pros vs. Cons of Sky Blue

Despite the modest Sky Blue Credit Repair BBB rating (C), the firm has the reputation of an honest provider. This is proved by the customer review average of 4.27 out of 5. Since 2018, only 12 Sky Blue Credit Repair complaints have been posted. Sky Blue has even helped some customers free of charge. The key strengths are:

  • 90-day money-back guarantee;
  • fixed rates;
  • discounts for couples;
  • online enrollment;
  • high average customer review rating (BBB).

Sky Blue bbb rating

The pricing is simple, as there is just one service bundle. You do not have to compare any tiers, and there is a discount for couples (even unmarried). The money-back-guarantee is also unbeatable. You get your money back regardless of the reason, and deletions do not void the guarantee. The 90-day duration shows commitment to excellence.

As Sky Blue Credit Reviews show, the experts work at an impressive speed. The firm handles all disputes on your behalf. Every 35 days, the company will challenge up to 15 items in total. It means that for every bureau, Sky Blue can dispute five inaccuracies per cycle. Other companies often have longer cycles — 40 or even 60 days.

Of course, there are some downsides. First, there is no BBB accreditation, despite positive Sky Blue Credit Repair Reviews. It does not offer a free consultation before enrollment, and you can only contact support on weekdays during standard business hours. Still, considering the quality of the personalized service, there are only minor drawbacks.

How Does Sky Blue Work?

One of the benefits of Sky Blue Credit Repair is its online enrollment system. This is something few competitors provide. To sign up, head to its official website and fill out the basic form. The company will only need your name, street address, email address, and phone number.

The company will then collect your reports from 3 major bureaus. It will review them line by line, looking for errors and other issues hurting your score. The experts create a dispute strategy and suggest different ways to fix your credit.

Sky Blue Credit login on the website gives access to the essential data. Please note that only inaccuracies may be challenged. If the negative information is correct, you can still improve the score by following the company’s recommendations.

Sky Blue Credit has a dispute cycle of 35 days. It sends up to challenges 15 items per period (i.e., 5 to each bureau). This also includes goodwill letters to creditors, debt validation, and cease and desist letters to collection agencies or lenders so that they stop bothering you. Every customer receives assistance with their score as long as they use Sky Blue Credit Repair services.

Sky Blue Credit Repair Prices

Sky Blue Credit Repair Prices 

The company offers clear and simple pricing. A single plan covers all of its services: disputes, work with creditors and collections, and expert analysis. Customers are charged a setup fee of $79 and a monthly service fee of $79. According to the provider, the average duration of the credit repair process is half a year.

Sky Blue Credit Repair prices are among the best on the market. Couples also get a generous discount. It does not matter whether the partners are married or not. The first customer is charged the full price, while the second one gets 50% off. The total is $119.

Sky Blue Repair allows easy cancellation at any moment. There are no penalties for customers who want to stop using the services. If you want to pause or cancel the membership, you can call the Sky Blue Credit Repair phone number, send an email, or use the website.

The company’s 90-day money-back guarantee is a major advantage. If the services do not meet your expectations, you are entitled to a full refund. The Sky Blue Credit Repair cancellation is unconditional. This reflects the company’s confidence in its ability to help you.

Alternatives to Sky Blue

Sky Blue is one of the oldest providers, but it still has strong competitors. Most often, its services are compared to packages of Lexington Law,, and Ovation Credit Services. Here is a basic comparison of the four.

Lexington Law

One of the biggest providers in the country, Lexington Law has unique digital tools. It offers a free initial consultation and three tiers of services, from basic to advanced. However, even the cheapest plan has an above-average price. The company has the same BBB (С) but has been accused of deceptive practices. The recent government action is a major deterrent and a crucial point for comparison of Sky Blue Credit Repair vs. Lexington law. offers a broad spectrum of services for all types of credit repair needs. However, negative reviews are a red flag, and the website lacks important information. It is not clear how the experts communicate with bureaus, or what level of expertise is offered. There are no links to third-party resources. Like Sky Blue Repair, the company has no BBB accreditation, but its rating is lower (D).

Ovation Credit Services

This company has a stellar A+ rating with the BBB. Every customer gets a dedicated case advisor, financial planning tools, and credit monitoring. Some of its services are only included in premium packages, which are more expensive than the standard Sky Blue Credit Repair cost. There is no online enrollment. Communication is limited to email and phone.

Sky Blue Repair Lexington Law Ovation Credit Services
Range of services credit repair credit repair,


financial planning,

identity theft protection

credit repair, education, and monitoring credit repair, education, and monitoring
Setup fee $79 $0 $69.95 to $119.95 $89
Monthly fee $79 $89.99 – $129.95 $69.95 to $119.95 $79 – 109
Customer support phone, email, website phone, email, and mobile app phone, email phone, email
In business since 1989 2003 2012 2004 (incorporated)


If you want to repair your score, look for reputable providers. Consumers who consider Sky Blue Repair look for more information about its pricing, support, and cancellation policy. Here are a few typical questions.

Is Sky Blue Credit Repair a Good Company?
What Are Sky Blue’s Hours?
Does Sky Blue Have A Money-Back Guarantee?


Our Sky Blue Credit Repair review shows that the company is a well-established provider with a single package of services. Its high customer rating, clear pricing, and 90-day money-back guarantee are some of the biggest strengths. The company has confidence in its services and makes credit repair hassle-free.

With Sky Blue Credit Repair, late payments and other inaccuracies will vanish from your report.  Check out reviews of the best credit repair companies of 2021 to see how its services stack up against the strongest competitors.
Add a comment