Sky Blue Credit vs Lexington Law: Are They Worth the Cost?

Credit
Updated: 3rd Feb 2021
Written by Drew Cheneler
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When your credit score falls due to missed bills, credit report errors, or from any other unlucky circumstances, a credit repair service could be your only choice.

Credit repair companies can work with you to remove negative items from your credit report, handle creditors, and assist you in rebuilding your credit score from the ground up.

But only the best credit score repair companies are worth your time. That is why we decided to compare two top credit repair companies – Sky Blue Credit Repair vs Lexington Law – so you know which to turn to if your credit score ever plummets. Let’s dive in.

About Sky Blue Credit Repair

  • Price: $79 per month
  • BBB Rating: C

Sky Blue is a well-known credit repair company that has been providing credit restoration since 1989. It has a good reputation and offers personalized counseling services.

As opposed to many other credit repair companies, Sky Blue keeps things honest and straightforward – they won’t promise to take your credit score to over 800 in a week, but they can help you dig yourself out of a low credit hole if you trust their advice.

Learn More: Sky Blue Credit Review

About Lexington Law

  • Price: $89.95 – $129.95 + One-time Set Up Fee
  • BBB Rating: Not Rated (Pending Lawsuit)

Lexington Law is actually a law firm that also provides credit repair services. They employ over 400 credit experts in addition to their regular legal agents.

They’re a decent choice since they don’t make you sign restrictive contracts. Lexington has a slight advantage over Sky Blue in that they might be able to find ways to boost your credit using legal loopholes, but Sky Blue is slightly more specialized for credit repair strategies as a result.

Learn More: Lexington Law Review

Lexington Law vs Sky Blue Credit: Offerings and Packages

Prices and Packages

One of the best ways to compare Lexington Law and Sky Blue is to look at their pricing and packages. For instance, Lexington charges a basic set up fee of $100. Then you’ll be billed $80 per month (or more), with à la carte pressing options available for extra features or services.

On the flipside, Sky Blue charges a single set up fee of $79, then $79 per month. Sky Blue is a little cheaper than Lexington overall.

Sky Blue’s packages are much more focused on credit repair and lender negotiation, but they’re also a good choice for fixing credit report mistakes.

Meanwhile, Lexington offers additional features, such as identity theft protection services and credit monitoring. So, while you pay more for Lexington, you also get more for your purchase.

Guarantees

Credit repair companies love to guarantee certain results, even if it’s in a legal gray area. Let’s examine what Lexington and Sky Blue “guarantee” their customers.

Fortunately, Lexington Law explains that they don’t truly guarantee anything, and they offer a moneyback guarantee instead of promising perfect results.

Sky Blue says that your purchase is 100% risk-free. They ask for a period of 90 days and promise to refund your money if you aren’t totally satisfied at the end.

Note that both companies state that no credit repair company can guarantee ideal results, but both provide good exits if you can’t afford to waste your cash.

Cancellation policy

Both Lexington and Sky Blue adhere to any time cancellation policies. You don’t have to sign up for a long-term contract – instead, all contracts are month-to-month so you can cancel at any time and avoid having to pay for longer contracts.

Credit Consultations

In addition to both offering cancellation options, Lexington and Sky Blue offer free credit consultations. You just have to call their phone numbers.

Sky Blue vs Lexington Law: Pros and Cons

Sky Blue

Pros:

  • Very long, 90-day moneyback guarantee
  • Pretty affordable prices overall
  • Excellent customer service
  • Specializes in credit negotiation and negative line-item removal

Cons:

  • Doesn’t offer any extra services, such as credit score monitoring

Lexington Law

Pros:

  • Offers both credit score repair and other features
  • Has credit repair lawyers on staff
  • Offers good cancellation policy and reasonable moneyback guarantee

Cons:

  • Prices are a little higher than other services

What Can Lexington Remove from Your Credit Report?

Thanks in part to its legal expertise, Lexington can remove negative items from your credit report and negotiating directly with lenders to fix your credit score if it has been damaged due to no fault on your own part.

What Can Sky Blue Credit Repair Remove from Your Credit Report?

Sky Blue can also remove negative items from your credit report and negotiate with lenders directly to get them to ease up if they’ve been harassing you.

Both credit repair services can remove regular negative line items like double charges, false late payments, and more.

Is Lexington Law Legit?

Yes. Lexington Law is a legitimate credit repair service and a law firm. They are one of the nations oldest credit repair services.

Is Sky Blue Legit?

Like Lexington, Sky Blue is a legitimate credit repair service and has been in business for over three decades now.

Should You Use Sky Blue or Lexington Law?

Ultimately, Sky Blue edges out of Lexington Law due to its specialization in credit repair and its greater experience with negotiating with lenders.

Plus, it’s a little more affordable, and you won’t need to pay for services, like credit report monitoring, that you won’t necessarily need or be interested in.

Related: Does Lexington Law Really Work?

Who is Better than Lexington Law?

Here are a few alternatives to Lexington Law. These credit repair companies are better in our opinion.

#1. Credit Saint (Our Top Recommendation)

Credit Saint is a well-known credit repair firm that works in 45-day cycles. You get a 90-day moneyback guarantee, and the firm has several professionals on hand that can help you create a positive credit building plan – it may be one of the best choices for long-term credit repair or credit boosting.

Learn More: Credit Saint Review or Credit Saint vs Lexington Law

#2. Sky Blue

As mentioned, Sky Blue is a good alternative to Lexington Law due to its affordable prices and specialized expertise when it comes to negotiating with lenders and removing negative line items on your credit report.

#3. The Credit People

Charging $79 per month for credit repair services, The Credit People might be another good pick for credit repair thanks to its interactive online portal and easy access website.

It provides constant access to credit reports and scores, making it easy to monitor your progress as you rebuild your credit from a low value to a high one.

Learn More: Credit People Review

Bottom Line: Lexington Law vs Sky Blue Credit

Both credit repair services help customers successfully repair their credit; however, we recommend Sky Blue over Lexington Law.

They bring years of experience to the table, transparency, and are not facing a lawsuit with the Consumer Financial Protection Bureau (CFPB).

More Credit Repair Resources

Drew Cheneler
Drew Cheneler
Drew is a recognized Credit, Small Business, and Personal Finance Expert. He has been quoted in CNBC, Fox Business News Section, The Huffington Post, Business.com, Moneyunder30, US Chamber of Commerce, and more. He is known for breaking down complex personal finance topics into action-oriented advice, so you can make the most of your hard-earned money.