Sky Blue Credit Review
Sky Blue Credit disputes inaccurate negative items affecting your credit. It has been around for decades, but is it any good? Find out in this review.
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Get Started on Your Credit Repair | |||
Overall Score | 4.2 | ||
Monthly Fee | 4.0 | ||
First Work Fee | 3.5 | ||
Credit Bureau Disputes | 5.0 | ||
Creditor Interventions | 5.0 | ||
Credit Score Update | 5.0 | ||
Credit Building Tools | 3.0 | ||
Money Back Guarantee | 5.0 | ||
Identity Theft Protection | 3.0 | ||
Pros and Cons
- As low as $60/month for one person
- 90-day Satisfaction Guarantee
- Pause or cancel anytime
- No credit monitoring
- Limited customer support
Bottom Line
Affordable credit repair service that can help you apply for a home loan
Sky Blue Credit has decades of experience in credit repair. It has helped thousands of customers and offers package discounts for its services.
However, it lacks some features, like credit monitoring, that other credit repair companies offer. This means you may need to spend extra to track real-time changes in your credit reports.
So, how do you know if it's worth trying? Read on for the full review.
What is Sky Blue Credit?
Sky Blue Credit is a company with experienced professionals disputing inaccurate and outdated items in your credit reports. Credit repair packages range from $79–$119 every month for individuals.
The company has been offering credit repair services for more than 3 decades. It was founded in 1989, with its headquarters in Boca Raton, Florida.
In addition, Sky Blue Credit's specialty is mortgage preparation. So, if you're buying your first home or looking to refinance your mortgage, Sky Blue Credit can provide support and guidance.
There is no formal accreditation for credit repair companies, so it's best to assess Sky Blue Credit's credibility based on ratings and reviews. In general, positive reviews praise Sky Blue Credit's effective disputes, while the most common complaints involve Sky Blue Credit's slow response and poor customer service.
Who Is It Best For?
You can use Sky Blue Credit's services if:
- You have many negative items in your credit report.
Professionals will review your report and dispute items that appear to be inaccurate, unverifiable, or legally removable, with the goal of improving your credit reports over time. - You're planning to purchase a home.
Sky Blue Credit is ideal if you're preparing your credit to purchase your home or replace your existing home loan.Professionals can help optimize your credit reports, helping you qualify for lower-interest loans and more flexible terms.
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
That said, Sky Blue Credit is not for everyone. Here's why.
Who Should Skip Sky Blue Credit?
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Sky Blue Credit isn't ideal if you have a tight budget. You'll need to set aside at least $79/month for a minimum of 6 months to see significant improvements. It can get expensive. You may accumulate large fees over time.
If you're set on using the credit repair company's services, here are the upsides and downsides of working with Sky Blue Credit.
Pros and Cons
Pros:
- Decades of experience in credit repair
- Offers a 90-day guarantee
- Discounted plans for couple sign-ups
- You can pause your package anytime
- Cancel anytime without penalties
- Can help you prepare to refinance your mortgage or apply for a home loan
Cons:
- No credit monitoring
- No mobile apps
- First work fees cost the same as the monthly fees
- Customer support is limited
- Not accredited by the BBB
- Fewer reviews and ratings despite longevity
How Sky Blue Credit Works
Sky Blue Credit has a simple enrollment process. You only need to fill out the enrollment form on the sign-up page, and then you'll be able to get and review your free credit reports on your account.
Professionals will also review, analyze, and identify outdated, inaccurate, and unverified items from these reports. They'll even conduct a Statute of Limitations research on your accounts.
After that, professionals will send the dispute letters to Equifax, Experian, and TransUnion. If the credit bureaus don't remove the disputed items, Sky Blue Credit will re-dispute them for you.
If the process is convincing, you can pick a plan depending on the service you need.
Pricing and Fees
Sky Blue Credit offers three packages:[1]
| PREMIUM | FULL SERVICE | BASIC | |
|---|---|---|---|
| Price (monthly) | Individual: $119.00 Couples: $179.00 | Individual: $99.00 Couples: $149.00 | Individual: $79.00 Couples: $119.00 |
| Initial working fee/first work fee | Same as monthly price | ||
| 3-bureau credit reports and scores | ✔ | ✔ | ✔ |
| Credit bureau disputes | ✔ | ✔ | ✔ |
| Score tracker | ✔ | ✔ | ✔ |
| Credit updates | Every 45 days | Every 45 days | Every 60 days |
| Creditor interventions | ✔ | ✔ | — |
| Credit builder tool | ✔ | ✔ | — |
| Monthly inquiry disputes | ✔ | — | — |
| Debt validation letters | ✔ | — | — |
| Cease and desist letters | ✔ | — | — |
| Personal Information Correction letters | ✔ | — | — |
Sky Blue Credit operates on a 45-day dispute cycle and sends customized dispute letters to credit bureaus. If the dispute doesn't result in a removal, they will re-dispute your negative item.
Sky Blue Credit sends a new dispute letter to increase the likelihood of removal for items in question. You can view the progress of your disputes and review your credit reports in your online account
Basic Package
The Basic package centers on credit bureau correspondence and disputes, covering all of Sky Blue Credit's core credit repair services. Credit report updates are provided every 60 days. Here's what's included:
- Three-bureau reports and scores
Receive copies of your credit reports and scores from Experian, Equifax, and TransUnion. - Credit Bureaus Disputes
Sky Blue challenges inaccurate, unverifiable, or questionable items on your behalf with the credit bureaus. - One-on-one consultations
Get personalized consultations to review issues, explore strategies, and receive coaching to help improve your credit. - Score Tracker
Track your credit score changes and progress through an online portal. - 24/7 Access to Client Portal
Access your account anytime to monitor progress and view updates on actions taken.
Full Service Package
The Full Service package includes all the features of the Basic, with added benefits. You'll also receive a credit-building tool and extra services designed to work directly with your creditors. Credit updates are provided every 45 days, compared to every 60 days with the Basic plan.
- Creditor Interventions
Sky Blue Credit will correspond and communicate with your creditors to remove inaccurate items in your credit report.
Sky Blue Credit communicates directly with your creditors to address issues and negotiate on your behalf. - Credit Builder Tool
Receive an additional tool to help establish positive credit habits and strengthen your credit profile.
Premium Package
The Premium package includes everything in the Basic and Full Service packages, along with additional specialized tools and services designed to address more complex credit situations.
- Monthly Inquiry Disputes
All credit inquiries, including unauthorized inquiries, can stay in your credit report for up to 2 years.[2] Sky Blue Credit will verify these inquiries to help you spot any occurrence of identity theft or attempts to obtain credit in your name. - Debt Validation Letters
Sky Blue Credit will verify and carefully request your creditors for proof of right to collect your debts. - Cease and Desist Letters
Sky Blue Credit will send your creditor a formal notice to cease any communication with you. - Personal Information Correction Letters
If you have erroneous information on your record, Sky Blue Credit can send a request to your creditor for correction, update of record, or removal.
Sky Blue Credit Services
With Sky Blue Credit, you'll have access to a range of services designed to help identify and address issues in your credit report while supporting long-term credit rebuilding:
- Pro Analysis
Sky Blue Credit carefully reviews your credit reports to identify outdated, inaccurate, or unfamiliar accounts that could be hurting your score. - 45-day Disputes
The company works in 45-day dispute cycles, continuously challenging inaccurate negative items until they are resolved or removed. - Custom Disputes
Each dispute is accompanied by a tailored letter crafted specifically for the item in question, increasing the likelihood of successful removal. - Statute of Limitation (SOL) Research
Before disputing debts, Sky Blue Credit checks whether they fall outside the statute of limitations. If they do, this strengthens your case for removal. - Score Assistance
Because credit scores don't always improve immediately, Sky Blue Credit provides guidance on managing balances and finding opportunities to rebuild credit. - Credit Rebuilding
The service offers guidance on obtaining secured credit cards or other tools to help re-establish positive credit history, especially useful if you're preparing for a major purchase, such as a home loan. - Coaches-on-Call
You can contact Sky Blue Credit's team for personalized advice on credit offers, loan applications, and other financial decisions that may impact your credit health.
What Sky Blue Credit Doesn't Offer
Before you decide, you should know that Sky Blue Credit lacks:
- Monthly credit monitoring
Sky Blue Credit doesn't alert you when there are changes to your credit reports. If you want to get real-time updates, you'll need to sign up for separate credit monitoring services. - Budgeting
Sky Blue Credit lacks tools to help you build a budget or learn personal finance. To compare, Lexington Law provides a digital money manager in its app, and The Credit Pros features a debt payoff and budgeting system in your account. - Identity theft protection
While Sky Blue Credit offers a free consultation if you experience identity theft, you don't get any identity theft protection features in your account, like dark web scanning, breach alerts, or $1 million insurance.
Despite lacking selected offerings from Sky Blue Credit, you get the following service features from Sky Blue Credit.
Sky Blue Credit Features
No matter which plan you select, the following features are available for all plans.
- No charge for 6 days
You will only be charged the setup fee 6 days after enrollment. Then, after 1 month, you'll pay your package's monthly fee. - Discount opportunities
If you want to sign up with another family member or person, the Couples pricing offers a discounted rate. You get a lower monthly fee per person. - 90-day money-back guarantee
Sky Blue Credit offers a guarantee effective 90 days from the enrollment date. So if you're dissatisfied with the service, you can request a refund.[3] - Pause membership
You can contact the support team to pause your plan if you need to take a break. It can be useful if you need to temporarily use the fees for something else.
Now that you know Sky Blue Credit's services, is it worth your time and money?
Is Sky Blue Credit Worth It?
Sky Blue Credit is worth trying if you have many items that are negatively impacting your credit. The company has a track record of more than 3 decades offering credit repair services.
You also get an extra layer of protection with Sky Blue Credit's 90-day guarantee. So, you have the option to request a refund if you aren't satisfied with the service.
You get the best value with the Couples pricing for Full Service. You only pay around $75/month for each person. This means you pay for cheaper credit repair services, but you also get creditor intervention and a credit builder tool.
For more complex issues like debt collections or unauthorized inquiries, the Premium plan provides a more comprehensive solution, while the Full Service plan is often sufficient for basic disputes.
How to Sign Up for Sky Blue Credit
Sky Blue Credit has a simple sign-up process:
- Go to the sign-up page.
- Fill out your first name, last name, address, phone number, and email address.
- Fill out your debit card or credit card information for payment.
- Complete your SSN and date of birth. Then, click enroll.
If you're signing up with another person, don't forget to click the Couples membership!
To get started with Sky Blue Credit, you must provide personal information such as your name, address, and Social Security Number. You are required to supply a valid credit or debit card for billing. Sky Blue allows a short delay (about six days) before charges begin.
Is Sky Blue Credit Legit?
Yes, Sky Blue Credit is a legitimate credit repair company. It has been in the industry since 1989, serving thousands of clients.
In addition, the company received an A+ rating from the Better Business Bureau.[4] It also has an average rating of 5.0 out of 5 from ConsumerAffairs.[5]
Read on for some of the feedback they've received from clients.
Customer Reviews
| RATINGS SOURCE | AVERAGE RATING |
|---|---|
| ConsumerAffairs | 5.0 out of 5 ★ from over 200 reviews |
| Google Reviews | 4.2 out of 5 ★ from over 500 reviews |
Sky Blue Credit has helped many clients improve their credit scores through consistent dispute efforts and personalized support. However, it hasn't received perfect feedback from everyone.
As with any credit repair service, results take time and depend on the complexity of your credit situation. Since every credit profile is unique, the outcomes you experience may vary from those of other clients.
If you encounter issues of your own, here's how you can contact Sky Blue Credit.
How to Contact Sky Blue Credit
If you have questions or want to cancel your membership, you can call the Customer Support team at (800) 790-0445 from 9 AM to 5 PM (Monday to Friday, EST).
Can't get in touch with a representative? Log in to your account or use the contact form to send Sky Blue Credit a message.[6]
Alternatives
If Sky Blue Credit doesn't fit your needs, you can choose from reliable alternatives below.
Sky Blue Credit vs CreditRepair.com
Signing up for CreditRepair.com costs a monthly fee that starts at $49.95/month. You will also need to pay a first payment that costs the same as the monthly fee.
The difference is that CreditRepair.com features credit monitoring. You can keep track of removals from your credit report in real time. You also get notifications for unauthorized activities that can impact your credit score.
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| Visit Site | Learn More | |
Get Started on Your Credit Repair - | Get Free Online Credit Assessment - | |
| Monthly Fee |
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| Credit Bureau Disputes |
| Unspecified number of disputes to three main credit bureaus |
| Creditor Interventions |
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| Credit Score Update |
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| Credit Building Tools | ||
| Money Back Guarantee | ||
| Identity Theft Protection | Includes up to $1 Million ID Theft Insurance | |
| Mobile App | ||
| Customer Service |
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| Visit Site | Learn More | |
Sky Blue Credit vs Credit Saint
Credit Saint, established in 2004, is another reputable company in the credit repair industry. It offers a tiered pricing model, with packages that differ in how aggressively they dispute inaccurate negative items.
While typically more expensive than Sky Blue Credit, Credit Saint's advanced services may provide greater peace of mind for individuals facing more severe or complex credit challenges that require a stronger approach.
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| Visit Site | Visit Site | |
Get Started on Your Credit Repair - | Free Credit Repair Consultation - | |
| Monthly Fee |
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| First Work Fee | ||
| Credit Bureau Disputes |
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| Credit Score Update |
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| Credit Building Tools | Personalized Guide to Building Credit (depending on monthly plan) | |
| Money Back Guarantee | ||
| Identity Theft Protection | ||
| Mobile App | ||
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| Visit Site | Visit Site | |
Sky Blue Credit vs Lexington Law
Lexington Law is considered one of the most aggressive credit repair companies, backed by a team of lawyers who specialize in challenging inaccurate or unfair items with the credit bureaus on your behalf.
What sets Lexington Law apart is its Focus Tracks, which are tailored strategies designed to address specific life events that can impact your credit.
For instance, the Divorce Focus Track prioritizes joint accounts you may share with an ex-spouse, while the Veterans Focus Track leverages applicable consumer protection laws to help service members and veterans rebuild their credit more effectively.
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| Visit Site | Visit Site | |
Get Started on Your Credit Repair - | Free Online Credit Assessment - | |
| Monthly Fee |
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| First Work Fee | ||
| Credit Bureau Disputes |
| Unspecified number of disputes to three main credit bureaus |
| Creditor Interventions |
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| Credit Score Update |
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| Credit Building Tools | ||
| Money Back Guarantee | ||
| Identity Theft Protection | up to $1,000,000 coverage Identity Theft Insurance | |
| Mobile App | ||
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| Visit Site | Visit Site | |
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Bottom Line
Overall, Sky Blue Credit is a reliable company with a long track record in the industry. Their team of professionals can also help you prepare your credit if you're planning to purchase your first home.
The packages are competitively priced compared to other companies, and the couples pricing option allows those who enroll together to enjoy ongoing savings.
References
- ^ Sky Blue Credit. Member Pricing, Retrieved 10/03/2025
- ^ TransUnion. Disputes and Credit Inquiries, Retrieved 10/03/2025
- ^ Sky Blue Credit. Our Guarantee, Retrieved 10/03/2025
- ^ Better Business Bureau. Sky Blue Credit, Retrieved 10/03/2025.
- ^ ConsumerAffairs. Sky Blue Credit Repair Reviews, Retrieved 10/03/2025.
- ^ Sky Blue Credit. Contact, Retrieved 10/03/2025
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Credit Building Made Easy
- No credit pull required
- With 0% interest
- Open your account in minutes
Write to Alex Mambaje at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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