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Sky Blue Credit Repair Review

Your credit score/FICO score single-handedly wields power over nearly every aspect of your financial position.

It controls your credit card rates and monthly fees, potential loan rates, and even employment opportunities.

When your credit score starts to sink, the process of credit rebuilding or credit restoration to a healthy level can seem overwhelming.

It can be hard to know where to begin when suffering from bad credit, but Sky Blue is a credit repair company that can help you with that.

Known as one of the best credit repair companies, Sky Blue offers experience in all areas of the credit repair process.

They have helped hundreds of Sky Blue’s customers rebuild their credit and head for success.

Table of Contents:

  • About Sky Blue Credit Repair
  • How Sky Blue Can Help
  • Cost
  • Items Sky Blue Can Remove
  • Pros
  • Cons

Who Is Sky Blue Credit Repair?

Sky Blue is an experienced credit repair agency that is based out of Boca Raton, Florida.

They operate throughout all 50 states and have an emphasis on helping customers to build, develop, and repair any negative items on their credit reports through credit monitoring and score assistance.

How Can Sky Blue Credit Repair Help?

Sky Blue Credit Repair works to rebuild your credit history file and raise your score by making sure that there are no inaccuracies or incorrect information on your record.

If any negative marks are present, it will be almost impossible for you to improve your rating on your own, even if you behave as a model consumer from this day on.

Sky Blue will get copies of your credit report from the three major credit bureaus, Experian, Equifax, and Transunion, and begin the dispute process.

They will then work through them line by line to ensure that there is nothing on them that cannot be verified or confirmed.

If such elements are present, they can work with you to send dispute letters and re-dispute letters to credit agencies on your behalf. They will inform the agency that the incorrect items need to be removed from your report.

Get Started with Sky Blue Credit Repair

Sky Blue Credit Repair Cost

According to the Sky Blue Credit Repair website, as of 12/23/20 you can begin repairing your credit for an initial setup fee of $79 and then $79/month, promising no extra services charges.

They do offer a free consultation and a condition-free, 90-day-money-back guarantee during the first 90 days of membership.

The bottom line, if you’re not satisfied with the credit repair service results, they will issue a full refund of your money.

Sky Blue also grants second members a 50% discount on the initial fee and monthly fees as well as a couples discount of $39/month.

What Items Can Be Removed by Sky Blue?

While actual debts cannot be removed, there must be proof that you indeed owe the debt for it to count. There are, however, aspects that can be removed from the report.

Here’s a short list of items that can be removed:

  • Bankruptcies
  • Charge-offs
  • Late Payments
    • Credit Card
    • Mortgage
  • Hard Inquiries
  • Judgments
  • Paid Collections
  • Repossessions
  • Student Loan Debt

False Debts and Accounts

There have been instances of companies reporting debts that customers do not owe, accounts that were not opened under the correct name, and identity theft.

If these accounts do not exist, or the debt is not yours, it should not be on your credit report.

False Inquiries

You cannot have the same inquiry on your report more than once – any duplicates should be removed.

Accounts Older than Seven Years

If your account is in collections, it can only remain on your report for seven years. After this period, it must be removed from your report.

Bankruptcies and Tax Liens

If you have declared bankruptcy or have an unpaid tax lien, they must be removed from your report after ten years.

Sky Blue can work with you to contact the appropriate agencies and credit bureaus if any of the above apply.

Sky Blue Credit Repair Pros

Some of the pros of Sky Blue include:

Great Customer Service

One of the most significant benefits of the company is its commitment to providing high levels of customer service.

They have a C rating with the BBB (Better Business Bureau) but are not accredited and have established a solid reputation as reliable, trustworthy, and honest. Sky Blue Credit Repair has a 4.5 out of 5-star customer review rating, pulling in only 12 customer complaints within the past three years.

There have even been reports of them helping customers who are just above the “bad enough” threshold to be helped – free of charge!

90 Day Guarantee

As part of their commitment to excellent service, Sky Blue offers a condition-free 90-day money-back guarantee. If you are not satisfied for any reason at all, you may request a full refund.

Notably, unlike other companies’ terms, you don’t have to wait 90 days to ask for your money back, nor will a single deletion void the guarantee.

They Take Care of the Hard Work For You

You will also benefit from a company representative identifying any items for dispute on your file, and this takes care of the most complicated and time-consuming aspect of the process.

They are also known for picking up on small, subtle inconsistencies that may otherwise be overlooked.

The Firm Handles all Disputes

Sky Blue will do the tough stuff, and this includes filing disputes with all three major credit reporting bureaus on your behalf.

This is all without you having to do anything. It saves you precious time and effort in filing disputes yourself and can be very valuable if you are faced with multiple issues.

Even better, you will be contacted directly by the creditor – no need to wait for the Sky Blue representative to get back to you.


One of the most significant advantages of Sky Blue is the speed at which they work. They dispute up to 15 inquiries every 35 days, which works out to 5 per bureau. This is exceptionally fast compared to other competitors and credit repair companies.


In addition to helping remove inconsistencies and inaccuracies from reports, Sky Blue also teaches their customers about ways to improve their scores and files. They also advise on the best ways to spot items that need removing.

They help you to locate them more quickly and become familiar with what should and should not be present.

Additional Services

No additional charge is levied for services such as goodwill letters, debt validation, or assistance when it comes to negotiating with the credit bureaus.

Customized Disputes

The personalized service is another benefit of Sky Blue. Unlike some credit companies who send out stock, standard letters to creditors and bureaus, all correspondences will be personal, individualized, and relevant to your situation.

Get Started with Sky Blue Credit Repair

Sky Blue Credit Repair Cons

As with any service, there are negatives, and these include:

Very Basic Website

Appearances are not everything, but there is no denying that the website and online experience offered by Sky Blue is a little underwhelming.

First impressions count, and it seems likely that customers will feel more inspired and enthused by a more sophisticated website with a better design.

It could be a reason that Sky Blue misses out on valuable customers.

It May Feel Unnecessary

Some customers may be reluctant to spend money on a service that could be done themselves with a little research and hard work.

Going through a professional company, such as Sky Blue, does help to make the process faster and more convenient.

However, this may not be a good enough reason for some customers to part with their hard-earned cash.

Do I Need A Credit Repair Company?

It may be tempting for you to try to fix your credit yourself, but this can be a lengthy and challenging process. You are entitled to an annual free credit report where you can monitor your own credit.

However, the disputing process including the cease and desist letters, debt settlement, and possibly re-disputing process may be better suited for a credit repair industry leader. Sky Blue can do the hard work for you.

They have a robust skill set and experience base to build from to help you in a faster and more effective way.

If your credit report is riddled with errors and inconsistencies, contacting the experts can be one of the easiest ways to help you get back on track.

Is Sky Blue Credit Repair Right For Your Needs?

There is no denying that Sky Blue is a company that goes above and beyond for their customers. They even offer free advice for those who may not directly qualify for their help.

Their plans are affordable, but there is always a risk that a customer may choose a DIY approach to save cash, especially with the underwhelming website offered by the brand.

Aside from this detail, this is a professional, reliable credit repair option, and is a solid choice for anyone looking to rebuild his or her credit score and remove any report errors or inconsistencies.

It is always wise to compare other credit repair companies such as Lexington Law or with Sky Blue, making sure you’re getting the most out of your hard-earned money.

Sky Blue Credit Repair