Credit Saint vs. Sky Blue Credit: Which One Is Better?

Written by Kim PinnelliUpdated: 3rd Jan 2022
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Credit Saint and Sky Blue Credit are regarded as two of the best credit repair companies in the United States.

Both have helped thousands of Americans successfully repair their credit. However, you need to know a few key differences before you decide which credit repair service is best.

Keep reading our Credit Saint vs Sky Blue Credit smackdown to make an informed decision. This article will highlight its plans, packages, results, and everything in between.

Let’s dive in!

About Credit Saint

Founded in 2007 by industry leader Ross LaPietra, Credit Saint is a clear leader for credit repair.

Offering the first-ever 90-day money-back guarantee in the credit repair industry, Credit Saint continues to innovate and provide more services to their customers.

Credit Saint vs Sky Blue Credit

Touting an A+ rating from the Better Business Bureau (BBB), Credit Saint is no longer the “new” guy on the block.

With Credit Saint, customers can expect a personalized dashboard to track progress in real-time, three different credit repair packages that vary in the level of aggressiveness (more on that later), and a complimentary consultation from a credit repair analyst.

Moreover, Credit Saint brings radical transparency to an industry plagued with fraudulent companies that over promise and never deliver.

>> More: Credit Saint Review

About Sky Blue Credit

Competing head-to-head with Credit Saint is Sky Blue Credit, which is another widely respected credit repair firm.

Founded in 1989, Sky Blue Credit provides consumers with a user-friendly credit repair experience, one straightforward package, a 90-day money-back guarantee, and best in class support.

Similarly, Sky Blue Credit is 100% transparent about what it can and cannot do and will never try to upsell you additional services.

>> More: Sky Blue Credit Review

Credit Saint vs Sky Blue: Credit Repair Packages and Prices

Now that we know a little bit about each service let’s cover the fine print. Here are the packages offered by Credit Saint and Sky Blue Credit.

Credit Saint Packages

Credit Saint offers consumers three straightforward packages that are each designed to meet a different need.

Fret not, Credit Saint is known for fighting tooth and nail with your debt collectors and all three credit bureaus. They bring years of experience to the table and a team of credit repair analysts who are industry veterans.

Clean Slate

  • Price: $119.00/Month ($195.00 First-Work Fee)
  • Aggressiveness: Very High

The Clean Slate package is Credit Saint’s most popular credit repair plan is the most aggressive. This plan does not shy away from exclusive features not offered in the other two plans.

And let me be crystal clear, this package is designed to help those facing severe credit problems. Here is a full list of what the plan includes:

  • Unlimited Challenges to All Three Credit Bureaus
  • Credit Score Analysis
  • Tailored Creditor Interventions
  • Robust Score Tracker
  • Inquiry Targeting
  • Exclusive Experian Monitoring

As you can see, Credit Saint will review your credit report and will identify negative items to remove.

A credit repair specialist will draft dispute letters and file them with all three credit bureaus on your behalf.

Additionally, Credit Saint will provide you with an analysis of your credit score and Experian credit monitoring, so you know exactly where your credit score stands.

Credit Remodel

  • Price: $99.99/Month ($99 First-Work Fee)
  • Aggressiveness: High

The credit remodel package offered by Credit Saint is their second most aggressive credit repair package.

Like the Clean Slate package, it includes Experian Monitoring, credit score analysis and tracking, inquiry targeting, and challenges to all three credit bureaus.

However, the biggest difference is that it is not unlimited disputes. Credit Saint will challenge 10 inaccurately reported items on your credit report.

So, if your credit report contains a handful of errors, then this plan may not be enough.

That said, during your initial consultation, a credit repair specialist will help you decide which plan is best for your unique credit needs.

Credit Polish

  • Price: $79.99/Month ($99 First-Work Fee)
  • Aggressiveness: Medium

The credit polish package offered by Credit Saint is its least aggressive package. However, it is still a good option for those looking to refinance a loan or who are about to finance a large purchase.

Even removing one or two negative items can make a world of difference come application time.

You can expect Credit Saint to challenge up to 5 inaccurately reported items, credit score analysis, credit interventions, and a personalized dashboard with this package.

Sky Blue Credit Packages

  • Price: $79.00/Month ($79.00 First Monthly Fee)

Sky Blue Credit cuts right through the noise and offers consumers one straightforward package loaded with robust features.

Here is a complete list of what is offered in the Sky Blue Credit Repair package:

  • Pro Analysis
  • Quick Disputes
  • Tailored Disputes
  • Statute of Limitations (SOL) Research
  • Credit Score Optimization
  • Credit Rebuilding Guidance
  • Debt Validation
  • Goodwill Letters
  • Cease & Desist

Like we said, Sky Blue Credit offers a lot, and for one-flat fee, this is not a bad option.

Whether you are on the market for tailored strategies or looking to dispute errors on your credit report, Sky Blue Credit has a team of experts who are more than capable of assisting you in your endeavours.

Credit Saint vs Sky Blue Credit: Which Credit Repair Service is Faster?

Both Credit Saint and Sky Blue Credit strive to deliver fast results; however, each person has a unique credit situation, so no credit repair company can give you a specific timeline of when you should expect to see results.

That said, customers traditionally see results within 3 to 6 months. Remember, repairing your credit is not an overnight fix.

It takes time, persistence, and keen knowledge of the credit repair industry.

How to Choose Between Credit Saint and Sky Blue Credit

#1. Price

You know your budget. Choose a credit repair package that you can afford and that aligns with your financial goals.

Furthermore, both Sky Blue Credit and Credit Saint offer a 90-day money-back guarantee.

#2. Reputation

Fortunately, both Credit Saint and Sky Blue Credit have squeaky clean reputations.

They both put their customers first and will do everything in their power to help you resolve your lingering credit issues.

#3. Duration of Service

Like we said earlier, repairing your credit is not a quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan.

Both Credit Saint and Sky Blue Credit will require your full commitment. If you heed their counsel and follow the plan they outline, you are well on your way to repairing your credit.

#4. Previous Customer Experiences

Do you know someone who has tried either Sky Blue Creditor Credit Saint? Sometimes asking a previous customer about their experience can help you decide whether you should move forward with a credit repair company or not.

Bottom Line: Credit Saint vs Sky Blue Credit

With the facts presented before you, we hope our research helps you take clear next steps.

We personally recommend Credit Saint, but ultimately, the decision is up to you. You can’t go wrong with either of the two.

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Kim Pinnelli
Kim Pinnelli

Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelor’s Degree in Finance from the University of Illinois at Chicago. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions.