If you’re looking to repair damaged credit, there are no shortcuts. Despite what some credit repair companies may imply, they cannot eliminate valid debts or other credit missteps. What a credit repair company can do is help fix any inaccuracies on your reports from the three main consumer credit bureaus. If you’re willing to pay for this convenience, rather than doing it yourself, Sky Blue Credit is one of the best of the bunch.
Based in Boca Raton, FL, Sky Blue Credit has offered credit repair services since 1989. They offer two different plans, a significant discount for significant others and a 90-day money-back guarantee. That’s a breath of fresh air in an industry not always associated with clear terms.
In this detailed review of Sky Blue Credit we’ll discuss the company’s services, pricing structure and other important details. All rates and fees are current as of April 12, 2024 and are subject to change.
Sky Blue Credit
| Number of available options: | Two plans: Basic service and full service |
| Fees: | Plans start at $79 a month, or $119 a month for couples |
| Ratings: | BBB rating: 3.29 out of 5 |
| Time: | 45-day dispute cycle, though time to see results vary based on the number of factors |
Pros
- Straightforward pricing structure
- You can pause or cancel your membership at any time
- 90-day money-back guarantee for new customers
Cons
- You can check and correct your credit reports on your own for free
- No company can guarantee that an item can be removed from your credit reportsSome customers complain that the service promised more than it was able to deliver
Sky Blue Credit is good for someone who has a number of inaccuracies on their credit reports and wants to outsource the correction of those mistakes.
If you only have a small handful of inaccuracies on your report, you can likely handle the issue yourself without paying the monthly fee to Sky Blue to get it resolved. Or, if you have a number of unpaid debts, delinquencies or a bankruptcy you’re hoping to have removed, no credit repair service will be able to do that for you.
Types of services Sky Blue Credit provides to help improve credit
Sky Blue Credit’s main service is analyzing your credit reports to flag inaccuracies and then sending notices to the credit bureaus asking the items to be removed. There’s several ways they go about this as well as some additional supporting services offered.
Sky Blue credit repair services
| Basic service | Full service | |
| Credit report analysis | Yes | Yes |
| Credit bureau disputes | Yes | Yes |
| Credit score tracker | Yes | Yes |
| Creditor interventions | No | Yes |
| Personal information correction letters | No | Yes |
| 45-day credit updates | No | Yes |
How Sky Blue Credit fees work
Sky Blue Credit has two plans: A basic service for $79 a month and a full service plan for $99 a month. If you add a partner to either plan, it’s an additional $40 a month for either plan.
Sky Blue Credit offers a 90-day money back guarantee if you’re dissatisfied with the service within the first 90 days after enrolling. You can also pause your membership, without being charged, if you need or want to take a break from the service.
How does working with Sky Blue Credit impact credit score
If you have inaccuracies on your credit report, it can have a negative impact on your score. FICO, the leading credit scoring system in the U.S,. says one inquiry can temporarily cause your score to dip by around five points or less. However, every point can count when you’re applying for a loan like a mortgage or new car payment. If you have multiple incorrect inquiries on your report and Sky Blue is able to resolve and have them removed for you, it could give your score a boost.
Other issues like late payments or defaults on a loan cannot be removed, which means Sky Blue isn’t likely to be able to help you. Sky Blue Credit is straightforward about what it can and can’t help with on its site, and doesn’t offer any false insinuations or misleading comments about what it can do or how fast they can do it.
Sky Blue Credit ratings and reputation
There isn’t much in the way of online consumer feedback for Sky Blue Credit. Companies that solely do credit repair generally garner less attention than debt settlement companies since credit repair can only fix mistakes where debt settlement offers potential solutions to an unmanageable high-interest sum.
Online forums like MyFICO and Reddit have generally positive user reviews with some users even commenting that the company refunded their money when they weren’t able to add any value to improving their credit. Out of the 14 customer reviews on the Better Business Bureau (BBB) site the company has earned 3.29 rating out of a possible 5 stars with a total of four complaints in the past three years. Reviews on ConsumerAffairs.com are overwhelmingly positive with the company earning 4.9 out of 5 stars from over 230 verified user reviews.
Are there risks with credit repair through Sky Blue Credit?
The biggest risk with using Sky Blue Credit repair is that you won’t get your money’s worth. You can undertake credit repair yourself, but some would rather pay a service to do it as it can be tedious to do all of the paperwork needed to prove something on your report isn’t right.
Just know that Sky Blue Credit can’t help with getting any accurate negative information removed.
Other services Sky Blue Credit offers
Sky Blue Credit’s focus is on removing incorrect information from your credit reports. The company does say it can recommend credit cards to help build up weak or damaged credit, as well as recommendations to help protect you from identity theft or help you determine if debt settlement is right for your particular situation. They do not provide direct debt consolidation or settlement services though.
Compare alternatives to Sky Blue Credit
| First work fee | Monthly fee | Cease and desist letters | Credit Builder Loans | |
|---|---|---|---|---|
| Current selection Sky Blue Credit | $79 to $99 | $79 to $99 | Yes | No |
| The Credit People | $19 | $99 to $119 | No | No |
| Credit Saint | $99 to $195 | $79.99 to $129.99 | No | No |
| The Credit Pros | $119 to $149 | $69 to $149 | Yes | Yes |
| Current selection Sky Blue Credit | No |
|---|---|
| First work fee | $79 to $99 |
| Monthly fee | $79 to $99 |
| Cease and desist letters | Yes |
| The Credit People | No |
| First work fee | $19 |
| Monthly fee | $99 to $119 |
| Cease and desist letters | No |
| Credit Saint | No |
| First work fee | $99 to $195 |
| Monthly fee | $79.99 to $129.99 |
| Cease and desist letters | No |
| The Credit Pros | Yes |
| First work fee | $119 to $149 |
| Monthly fee | $69 to $149 |
| Cease and desist letters | Yes |
Is Sky Blue Credit right for you?
Sky Blue Credit is right for you if you have a number of mistakes on your credit reports and you don’t want the hassle of clearing it up for yourself. Like any credit repair company, the main complaints are that the services received were underwhelming. But credit repair isn’t a quick process. It can take months to clear up inaccurate information even when the mistake isn’t yours. If you were hoping for a miracle to wipe away previous credit missteps, no company can provide that. But if you don’t want to deal with true mistakes yourself and you feel the monthly fees are worth it, Sky Blue Credit is a reputable option.
