Sky Blue Credit Repair Review

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If your credit report shows inaccurate information that's dragging down your FICO score, Sky Blue Credit Repair can help. Operating nationwide, Sky Blue disputes credit reporting errors and engages with creditors on behalf of its customers to make sure bad information is removed.

With a money-back guarantee and competitive pricing, the company is a strong option for credit repair services. Read on to learn more and find out whether Sky Blue suits your needs.

Sky Blue Credit Repair Overview

Sky Blue is a credit repair company based in Boca Raton, Florida. Operating since 1989, the company claims to have the best in-class customer support and the most advanced, user-friendly interface in the industry. While Sky Blue has a brick and mortar office in Boca Raton, its services are available in all 50 states and several US territories.

One selling point of Sky Blue Credit Repair is simplicity: the company offers a single service plan that includes all available features for a flat monthly rate of $79 with a one-time $79 setup fee. You can pause or cancel your membership at no additional charge, and Sky Blue offers a money-back guarantee for the first 90 days: if you're dissatisfied with the service you receive, you can get a full refund of all payments made from your enrollment date.

Sky Blue has limited feedback online from customers, but the feedback that exists is generally positive. With few reviews posted on the company's Trustpilot and Better Business Bureau profiles, the best source of customer feedback is on Google. The reviews posted there are attached to the listing for Sky Blue's Boca Raton office, but are submitted by users nationwide. The company averages 4.4 stars out of five based on over 470 reviews, nearly 400 of which are four or five stars. At the time of writing, the listing included 65 reviews of one or two stars, with the most common complaint being a lack of results.

Unlike some of its competitors who have been sued by federal regulators for illegal billing practices and other infractions, Sky Blue has managed to stay out of legal trouble with the Consumer Finance Protection Bureau.

Sky Blue Credit Repair Plan and Features

Many credit repair companies offer multiple tiers of service at a range of prices. In contrast, Sky Blue offers only a single plan that includes all available features for a $79 monthly fee, along with a $79 review/setup fee (often called a "first-work" fee in the credit repair industry).

Sky Blue offers services that are mostly similar to other credit repair companies. Here are some of the highlights:

• Bureau challenges and inquiry assists — Sky Blue can help you dispute a variety of inaccuracies on your credit report, such as duplicate accounts, misreported late payments, erroneous credit inquiries, typos, and more. While you can challenge this information yourself, enlisting the help of a credit repair agency may be worthwhile if you don't have the time, expertise, or confidence to handle it on your own.
• Goodwill / creditor interventions — Apart from disputing inaccuracies, Sky Blue can intervene on your behalf to limit the impact of accurate derogatory marks on your credit report. For example, Sky Blue may ask your creditor to remove a late payment from your credit history with the understanding that you will make on-time payments moving forward.
• Cease and desist letters — Sky Blue can formally notify debt collectors to cease all communications with you. This step doesn't eliminate your debt, but it gets debt collectors off your back temporarily while you make a plan to pay what you owe.
• Debt validation, negotiation, and settlement consultation — Sky Blue can help you establish the validity of debts claimed by collectors, and formulate a strategy for negotiating payment of your existing debts.
• Identity theft consultation — If you're a victim of identity theft, Sky Blue can help you navigate the process of reestablishing your identity and accounts. Their expertise will also help you differentiate honest mistakes (such as file merger errors) from criminal activity.
• Member support — Sky Blue Credit offers customer support by phone (800-790-0445) Monday through Friday 9:00 am to 5:00 pm EST. You can also contact customer support by email, or via secure message by logging into your account online.
• Credit education — The Sky Blue Credit website offers a variety of educational content pertaining to credit repair and other personal finance topics. You'll find tutorials, tips, a question and answer section, and more. This content is available at no charge whether or not you enroll.

While many credit repair companies package identity theft protection and credit monitoring with their other services, Sky Blue notably offers neither. However, you can get quality versions of those services elsewhere inexpensively or at no cost, so the omission from Sky Blue shouldn't be a major factor when deciding whether to enroll. You can find our guides for the best credit monitoring services and the best identity theft protection services here.

How Much Does Sky Blue Credit Repair Cost?

Sky Blue charges a flat rate of $79 per month for individuals with a $79 review/setup fee. Couples (and other people who live and pay together) can share a plan at a discounted rate of $119 per month with a $119 review/setup fee, even if you don't enroll at the same time. In either case, the first payment is due six days after enrollment, and monthly charges begin a month later. Those rates are competitive with other credit repair companies, as many charge a higher monthly rate for comparable service.

Your Sky Blue Credit Repair plan is backed by a condition-free 90-day refund. Sky Blue's policy does not guarantee any specific outcome for using the service; instead, it offers a refund up to the amount you've paid during your first 90 days of membership if you're dissatisfied (or simply change your mind).

Aside from the 90-day guarantee, you can temporarily pause or permanently cancel your membership at any time with no further charges. Cancellations can be processed by email, phone, or your account message center. Note that if you share a couples plan and one member of the couple cancels, the other member will revert to an individual plan.

How to Sign Up For Sky Blue Credit Repair

Before you enlist the help of a credit repair service, get copies of your credit report from each of the three major credit bureaus. While these reports are normally available at no cost once per year, you can request them weekly through the end of 2023.

With your credit reports in hand, you can check for inaccuracies that you want to dispute, such as misreported late payments, duplicate accounts, typos and more. You can dispute errors directly with the credit bureaus or pass them along to a credit repair service if you can't (or don't want to) do it yourself. However, keep in mind that you can only challenge information that's inaccurate, unfair or unverified. Accurate data can't be wiped out just because it hurts your credit score and you want it gone.

Should you choose to proceed with Sky Blue, you can sign up by clicking the "Get Started" link at skybluecredit.com. You'll then need to provide personal information such as your name, address, and social security number. Even though payment isn't due for the first six days, you must still provide a valid credit or debit card to enroll.

How Sky Blue Credit Repair Compares to Competitors 

In many respects, Sky Blue is on par with its competitors, including those ranked among our top credit repair companies. The company's $79 monthly fee is toward the low end for the industry, and its 90-day money back guarantee is one of the more lengthy and straightforward policies you'll find.

One feature of Sky Blue that stands out is its 35-day dispute cycle, which is 10 days faster than the more common 45-day cycle used by many competitors. Another advantage of Sky Blue is its nationwide availability, which makes it an option for potential customers in states where other companies don't operate.

One curious aspect of Sky Blue is that it doesn't advertise its successes. Many credit repair companies publish the number of customers they've helped, along with the average number of inaccuracies removed from credit reports. While those numbers are difficult to verify, they suggest a track record that inspires confidence in the service. Sky Blue's decision not to broadcast its results leaves more room for doubt about the company's efficacy.

Sky Blue Credit Repair FAQ

Is Sky Blue Credit Repair credible?

There is no accreditation specific to the credit repair industry, so the reputability of a credit repair company is best judged by its public feedback. Sky Blue Credit Repair has generally favorable reviews, with the most common complaint being a lack of results.

Do you have to pay for Sky Blue Credit Repair?

Sky Blue charges a monthly fee and first-work fee for its credit repair services; however, the website offers some educational tools and content at no cost. The company also offers a money-back guarantee for the first 90 days.

What does Sky Blue Credit Repair do?

Sky Blue works with customers to improve their credit scores by disputing and removing inaccurate negative information from credit reports.