If inaccurate information on your credit report is dragging down your FICO score, Sky Blue Credit Repair can help. Operating nationwide, Sky Blue disputes credit reporting errors and engages with creditors on behalf of its customers to remove bad information.
Business Insider's personal finance team compared Sky Blue Credit Repair to the best credit repair companies. With its money-back guarantee and competitive pricing, Sky Blue is a strong option for credit repair services, but its lack of available user reviews holds it back. Read on to learn more and find out whether Sky Blue suits your needs.
Sky Blue Credit Repair Pros and Cons
Sky Blue Credit Repair Pros
- Money-back guarantee for the first 90 days
- Offers a single tier of service
- Can cancel or pause plan at any time without charge
- Offers educational tools and content at no cost
Sky Blue Credit Repair Cons
- Charges a first-work fee
- Does not offer identity theft protection or credit monitoring
- Few user reviews available
Open an Account
$79 monthly fee with a one-time $79 setup fee
- One plan
- Full refund within 90 days
- Highly rated by customers
- Available in all 50 states and DC
- Couples discount
- No identity theft protection or credit monitoring
- Offers one plan with a full refund within 90 days
- Available in all 50 states and DC
- $79 setup fee and $79 monthly fee
- Offers couples discount
Compare Sky Blue to Other Credit Repair
Cost: 15-25% of total enrolled debt
- Includes private student loans
- Accredited with the AFCC
- Fee transparency
- $7,500 minimum debt requirement
- Customer service conducted exclusively over the phone
- Lack of legal or tax guidance
National Debt Relief boasts an average savings of 25% (after fees) for clients who complete a settlement program, and has extensive positive reviews online. However, the debt settlement process has several potential pitfalls, and there may be other solutions better suited to your needs.
National Debt Relief
Cost: 15-25% of total enrolled debt
- Online knowledge hub and blog
- Accredited with AFCC and CDRI
- Only available in 30 states
$7,500 minimum debt required
15-25% of enrolled debt + $9.95 account sign-up fee and $9.95 monthly fee
- Lower minimum debt than other debt settlement companies
- Helps settle private student loans
- Customer reviews mention long settlement times
- Monthly fees for dedicated account
- Must have a minimum total debt balance of $7,500 to qualify (some states have laws setting higher minimums)
- Fee ranges from 15% to 25%
- One-time fee of $9.95
- Monthly fee of $9.95
- Available in these states: AL, AK, AR, AZ, CA, DE, FL, IA, ID, IN, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NM, NV, NY, OK, PA, SD, TN, TX, UT, WI
Sky Blue Credit Repair Overview
Sky Blue is a credit repair company based in Boca Raton, Florida. Operating since 1989, the company claims to have best-in-class customer support and the most advanced, user-friendly interface in the industry. While Sky Blue has a brick-and-mortar office in Boca Raton, its services are available in all 50 states and several US territories.
How Sky Blue Credit Repair Works
You can sign up with Sky Blue Credit Repair by clicking the "Get Started" on the website. You'll then need to provide personal information such as your name, address, and Social Security number. Even though payment isn't due for the first six days, you must still provide a valid credit or debit card to enroll.
One selling point of Sky Blue Credit Repair is simplicity: The company offers a single service plan that includes all available features for a $79 monthly fee with a one-time $79 setup fee. Sky Blue offers a money-back guarantee for the first 90 days: if you're dissatisfied with the service you receive, you can get a full refund of all payments made from your enrollment date.
Aside from the 90-day guarantee, you can temporarily pause or permanently cancel your membership at any time with no further charges. Cancellations can be processed by email, phone, or your account message center. Note that if you share a couples plan and one member of the couple cancels, the other member will revert to an individual plan.
Key Features of Sky Blue Credit Repair
Many credit repair companies offer multiple tiers of service at a range of prices. In contrast, Sky Blue offers only a single plan that includes all available features for a $79 monthly fee with a one-time $79 setup fee (often called a "first-work" fee in the credit repair industry).
Sky Blue offers services that are mostly similar to other credit repair companies. Here are some of the highlights:
- Bureau challenges and inquiry assists — Sky Blue can help you dispute a variety of inaccuracies on your credit report, such as duplicate accounts, misreported late payments, erroneous credit inquiries, typos, and more. While you can challenge this information yourself, enlisting the help of a credit repair agency may be worthwhile if you don't have the time, expertise, or confidence to handle it on your own.
- Goodwill/creditor interventions — Apart from disputing inaccuracies, Sky Blue can intervene on your behalf to limit the impact of accurate derogatory marks on your credit report. For example, Sky Blue may ask your creditor to remove a late payment from your credit history with the understanding that you will make on-time payments moving forward.
- Cease and desist letters — Sky Blue can formally notify debt collectors to cease all communications with you. This step doesn't eliminate your debt, but it gets debt collectors off your back temporarily while you make a plan to pay what you owe.
- Debt validation, negotiation, and settlement consultation — Sky Blue can help you establish the validity of debts claimed by collectors, and formulate a strategy for negotiating payment of your existing debts.
- Identity theft consultation — If you're a victim of identity theft, Sky Blue can help you navigate the process of re-establishing your identity and accounts. Its expertise will also help you differentiate honest mistakes (such as file merger errors) from criminal activity.
- Member support — Sky Blue Credit offers customer support by phone (800-790-0445) Monday through Friday 9:00 am to 5:00 pm EST. You can also contact customer support by email, or via secure message by logging into your account online.
While many credit repair companies package identity theft protection and credit monitoring with their other services, Sky Blue notably offers neither. However, you can get quality versions of those services elsewhere inexpensively or at no cost, so the omission from Sky Blue shouldn't be a major factor when deciding whether to enroll. You can find our guides for the best credit monitoring services and the best identity theft protection services here.
Sky Blue Credit Repair Cost And Fees
Sky Blue charges a flat rate of a $79 monthly fee with a one-time $79 setup fee. Couples (and other people who live and pay together) can share a plan at a discounted rate, even if you don't enroll at the same time. In either case, the first payment is due six days after enrollment, and monthly charges begin a month later. Those rates are competitive with other credit repair companies, as many charge a higher monthly rate for comparable service.
Your Sky Blue Credit Repair plan is backed by a condition-free 90-day refund. Sky Blue's policy does not guarantee any specific outcome for using the service; instead, it offers a refund up to the amount you've paid during your first 90 days of membership if you're dissatisfied (or simply change your mind).
Sky Blue Credit Repair Reviews and Ratings
Sky Blue has limited feedback online from customers, but the feedback that exists is generally positive. With few reviews posted on the company's Trustpilot and Better Business Bureau profiles, the best source of customer feedback is on Google. The reviews posted there are attached to the listing for Sky Blue's Boca Raton office, but are submitted by users nationwide.
The company averages 4.2 stars out of five based on over 500 reviews, nearly 400 of which are four or five stars. At the time of writing, the listing included 68 reviews of one or two stars, with the most common complaint being a lack of results.
Unlike some of its competitors that have been sued by federal regulators for illegal billing practices and other infractions, Sky Blue has managed to stay out of legal trouble with the Consumer Finance Protection Bureau.
Sky Blue Credit Repair Alternatives
In many respects, Sky Blue is on par with its competitors, including those ranked among our top credit repair companies. The company's $79 monthly fee is toward the low end for the industry, and its 90-day money-back guarantee is one of the more lengthy and straightforward policies you'll find. However, a lack of customer reviews makes it unclear how people experience the product.
Sky Blue Credit Repair vs. Dovly
Dovly is well-reviewed by customers and widely known for being one of the most affordable credit repair companies, so it may be a good choice if you are trying to fit credit repair into your budget. While Sky Blue is a relatively affordable choice, Dovly provides most of the same features at an even lower price.
One thing to note: Dovly does not have the 90-day money-back guarantee we expect to see from credit repair companies. However, its fees are so low that a full year of Dovly would still cost less than the nonrefundable setup fees charged by other credit repair companies.
Read our Dovly review.
Sky Blue Credit Repair vs. Credit Glory
Credit Glory charges a $299 setup fee and $99 monthly fee. The company offers a 90-day money-back guarantee in the event that it cannot remove any inaccuracies or errors, but that guarantee covers only the monthly fee and not the pricey setup fee.
Credit Glory might be significantly more expensive than Sky Blue, but it is also the best-reviewed by its customers. If customer reviews aren't very important to you, you can get a similar level of service for a lower cost using Sky Blue.
Read our Credit Glory review.
Why You Should Trust Us: How We Reviewed Sky Blue Credit Repair
We considered numerous factors in our review of Sky Blue Credit Repair. First, the Credit Repair Organizations Act (CROA) mandates that credit repair companies cannot demand advance payment, must provide a contract in writing, disclose certain customer rights, and allow cancellation with no penalty for at least three business days.
There is no accreditation specific to the credit repair industry, so we emphasized reviews from sources like the BBB, Trustpilot, and the CFPB's complaint database. We looked at the mean score received, as well as the ratio of positive to negative reviews.
Finally, we looked at the cost of credit repair. This includes the range of potential fees and how transparently they are disclosed in advance. We also looked at the number of years in operation, guarantees, and cancellation policies.
We also considered any additional features the company may provide, such as credit monitoring and identity theft protection services.
See our full breakdown of how we rate credit repair companies.
Frequently Asked Questions About Sky Blue Credit Repair
How does Sky Blue Credit approach credit repair?
Sky Blue Credit approaches credit repair by analyzing credit reports, disputing inaccuracies, and providing tailored advice to help users improve credit scores.
Is Sky Blue Credit Repair credible?
Yes, Sky Blue Credit Repair is a credible company. There is no accreditation specific to the credit repair industry, so the legitimacy of a credit repair company is best judged by its public feedback. Sky Blue Credit Repair has generally favorable reviews, with the most common complaint being a lack of results.
Can Sky Blue Credit remove all negative items from my credit report?
No, Sky Blue cannot remove all negative items from your credit report. While it works to remove inaccuracies on your credit reports, it may not be able to remove all accurate negative items due to credit reporting laws.
How long does it typically take to see results with Sky Blue Credit?
While individual results vary, it typically takes a few months to see results with Sky Blue Credit.
Do you have to pay for Sky Blue Credit Repair?
Yes, you have to pay for Sky Blue Credit Repair. Sky Blue charges a monthly fee and first-work fee for its credit repair services; however, the website offers some educational tools and content at no cost. The company also offers a money-back guarantee for the first 90 days.