Sky Blue Credit Repair Review: Are they the Best?

Updated: 20th Jan 2021
Written by Drew Cheneler
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Sky Blue Credit Repair

Sky Blue is the only company in the industry that offers a 90 condition-free money back guarantee. There are no terms or conditions, other than the 90 day time limit) that will void the guarantee. This stands in contrast to the more common guarantee which is voided by the first deletion.

In this review, we cover Sky Blue Credit Repair. From its straightforward pricing structure, to the services this reputable firm offers, and everything in between.

This is a complete Sky Blue Credit Repair Review that will help you decide whether or not this powerhouse brand is the right fit for you and your financial needs. Let’s dive in!

Sky Blue Credit Repair Overview:

Sky Blue Credit Repair is one of the oldest and most trusted firms to help Americans repair their credit. Founded in 1989, Sky Blue has been on the front lines of of helping you – their loyal customer – legally file disputes and fix negative errors that exist on your credit report.

In our most recent round up of the best credit repair companies, Sky Blue took the top spot among its competitors. Trust me, we are not the only ones who rave about this top credit repair company.


  • Pro Analysis – The experts at Sky Blue identify the most prominent candidates for dispute. Every Point Matters.
  • Lightning Fast – They will dispute 15 items (5 per bureau) every 35 days.
  • Score Monitoring – The team at Sky Blue will provide you personalized credit score assistance.
  • Straight Forward Pricing – $79/Month
  • Credit Rebuilding – Tailored insight to help you open new credit cards and manage a balance that is optimized for the best FICO score.
  • Assistance with Debt Validation & Goodwill Letters
  • Robust Credit Education Resources


  • Costly Initial Work Fee – $79
  • Better Business Bureau rates them with a C; however, this is common among credit repair companies, because of the lack of transparency between these types of services and the U.S. Government. Fret not, the gap is closing as these services continue to deliver real value for their customers.

What Is Sky Blue Credit Repair?

Sky Blue Credit Repair is a financial services firm that specializes in helping you repair your credit by carefully analyzing your credit report (line-by-line) and identifying negative items as potential dispute candidates.

While complying with all rules and regulations set forth by the Credit Repair Organization Act, Sky Blue offers a wide range of services that are tailored towards restoring your credit.

How Does Sky Blue Credit Work? 

Once you sign up for Sky Blue Credit, they will immediately get to work. Here is how Sky Blue Credit works displayed in a few short steps:

Step 1: Get Your Credit Report 

The team at Sky Blue Credit Repair will walk you through the steps of pulling your credit report from the three credit bureaus: Experian, Equifax, & TransUnion.

How to Sign Up for Sky Blue Credit Repair.


Step 2: Sift Through Your Credit Report Line-by-Line

Once the Sky Blue team receives your reports, they will carefully analyze your credit report in its entirety. With their deep knowledge and understanding of the credit laws, the experts at Sky Blue can identify every and all problems associated with your credit report. With this insight, they will immediately draft a plan of action.

Step 3: The Dispute Process

Sky Blue has a unique custom dispute process, and will re-dispute issues if they are not corrected the first time around. They will notify you as each round of dispute letters is sent to keep you in the loop, and update your online account with the results as they arrive.

Remember, each added point to your credit score can greatly impact your financial life for the better.

How Much Does Sky Blue Credit Cost?

Sky Blue credit repair has a simple and straightforward pricing structure. Sky Blue charges a $79 monthly fee and a one-time $79 set up fee.

  • Membership for Individuals: $79/Month with a one-time $79 initial work fee.
  • Membership for Couples: $119/Month with a one-time $119 initial work fee.
Not Satisfied? Sky Blue has a sweet 90-Day Money Back Guarantee


Here is the deal, once you pay the $79 set up fee (charged after 6 days you sign up), Sky Blue will begin an in-depth review of your credit report. After the review, if there are no potential candidates for dispute, they will tell you that.

The last thing Sky Blue wants to do is force their service on you even if they know it will not be successful. After all, your credit may not as bad as you might think it is.

What Are Their Customers Saying? Worth It! 

Consumer Affairs – According to this customer review website, Sky Blue has an average rating of 5 stars. This score is calculated from over 80 reviews. Their satisfied customers are raving about their standout customer service, results, and timeliness – all crucial factors to consider when deciding which credit repair company to partner with. Like we said, Sky Blue Credit Repair is the real deal, they know how to resolve your credit issues and increase your credit score.

Better Business Bureau – Even though Sky Blue has some negative complaints on this website, the team at Sky Blue has offered all unsatisfied customers a complete refund, even after the 90-day money back guarantee expired. This shows how committed Sky Blue is to each customer, and they value your feedback as they refine their business operations.

How Long Does Sky Blue Take to Repair Your Credit? 

While results may vary per individual, you can enjoy a peace of mind knowing Sky Blue is working around the clock to help you repair your credit.

Quick note, once Sky Blue files an official dispute with one of the three credit bureaus, they then have 30-days to respond.

So, if you are not seeing immediate results, do not worry. Repairing your credit is a long but necessary process that requires back and forth communication between Sky Blue and the credit bureau.

Most customers start to see their credit improve after 30-days, which make sense because Sky Blue starts the dispute process immediately. But again, if you have poor credit then it may take longer because Sky Blue needs to file more disputes.

Who Is Sky Blue Credit Repair Best For? 

Sky Blue credit repair is best for individuals or couples with poor credit. As a credit repair service, Sky Blue is well positioned to meet the needs of both individuals and couples who want to increase their credit score.

The best time to use Sky Blue credit is before you apply for a loan or mortgage. Why? Even just a few points added to your credit score can make a world of difference.

Financial institutions give lower interest rates to those who have a good/great credit score, which Sky Blue can undeniably get you to.

How Do I Sign Up for Sky Blue Credit? 

Signing up for Sky Blue has never been easier. Over at their secure website, you can sign up with ease. It follows a quick three step process.

Step 1: Tell them About Yourself

This step is simple and straightforward. Sky Blue needs to know your name, email, address, and a few other personal questions before they begin to work their magic.

How to Become a Member of Sky Blue Credit Repair.

Step 2: Enter Billing Information 

As you can imagine, this step is also straightforward and painless. Next, you need to enter your credit card information. After this step, a credit expert from Sky Blue will reach out to you and will begin the process of repairing your credit.

Step 3: Get Started Repairing Your Credit

After your account is created and verified, you have unlimited access to the Sky Blue online portal where you can track the credit repair process, speak with credit professionals, and more.

How Do I Cancel Sky Blue Credit Repair? 

If you need to cancel, just call or email. Of note, unlike most companies that charge a per-diem at cancellation (for all days since your last payment) Sky Blue excises no final payment. As an option to cancelling, they also have a nifty feature that allows you to pause your account.

This feature can be accessed from your Sky Blue Online portal.

Is Sky Blue Credit Repair Legit

Yes! For over 20 years Sky Blue credit repair has helped countless Americans improve their credit score and overall credit health.

Above all, this company produces results, which is evident by the customer testimonials.

Is Sky Blue Credit Repair Good?

Sky Blue Credit Repair is one of the best credit repair companies. They are staffed by a team of experts who can help you remove negative items, challenge collections, and optimize your credit score.

Additionally, they are affordable, so if you are strapped for cash and still want to repair your credit then Sky Blue has a lot to offer.

Alternatives to Sky Blue:

  • Lexington Law – Oldest Credit Repair Company in America. Backed by years of experience and top notch results, there is a lot to like here.
  • Credit Saint – Since its founding, Credit Saint has attracted a legion of fans. From low fees and transparency, this credit repair company is suited to help you improve your credit score.
  • Tradeline Supply – Tradelines allow you to ‘piggy back’ off of someone else’s credit and benefit from their strong financial habits, such as paying off debt on time and using their credit card responsibly. Check out our list of the best tradeline companies.

Sky Blue Credit Repair Review: Is It the Right Choice? 

Sky Blue is the right choice for you if you are ready to get serious about your credit score. Backed by a team of experts, Sky Blue continues to deliver nothing but exceptional results for their customers.

So, if you are ready to repair your credit and finally refinance your loans at a lower interest rate, then I highly encourage you to sign up. In just a few short months, your credit score can improve, and it will with the help of Sky Blue credit repair.

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