sky blue review
Credit
August 7, 2017

Sky Blue Credit Repair Review

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Sky Blue credit repair is the most affordable and reliable credit repair option that we looked at. Sky Blue has streamlined their credit repair service so that they offer strictly credit repair (like fixing mistakes on your credit report, good-faith letters to your creditors, etc.) and don’t include extras that raise the price like other credit repair companies like competitor Lexington Law. Here is our full Sky Blue Credit Repair review to give you a better idea of what Sky Blue is all about and if the service is right for you.

Sky Blue Credit Repair Review

Get Started with Sky Blue

Sky Blue Credit Repair Review image
  • Signing up: It can be easier to call Sky Blue at (888) 534-1510 so they can walk you through the steps of signing up.
  • Price: Sky Blue has one of the lowest prices among repair services. The initial fee is $59, and then it is only $59 per month after that.
  • Features: Sky Blue is one of the best services, but it doesn’t have all the fancy bells and whistles that other services have. They do give you straightforward repair services, including fixing mistakes on your credit report, sending good faith letters to your lenders and looking for legal loopholes to get your credit score back to where it should be.
  • Cancellation: Sky Blue’s services are month-to-month, so you can cancel at any time.
  • Reputation: Sky Blue is considered one of the top credit repair services, with an A+ rating from the Better Business Bureau and top ranking across review sites.
  • Guarantee: Sky Blue is one of the only services with a full 90-day refund no matter what the reason.
  • Customer service: Users often reach out to say how helpful and nice Sky Blue’s customer service is, which is unusual for a repair service.

SkyBlue is hands-down the best credit repair service for those who are in need of credit repair. By that, we mean it focuses on only credit repair, which keeps its prices low. If you are in need of credit repair, chances are you don’t have the extra money to be paying for good, quality credit repair, which is exactly what SkyBlue offers. The combination of quality credit repair at an affordable price is exactly what those seeking credit repair need.

Price: $59 to start, $59/month after

Features: Sky Blue offers the basics of credit repair without the fancy extras like credit report monitoring or identity theft, which allows them to keep the price low. They know what they are good at -credit repair – and they stick with it. What they will do is make sure to pursue every avenue at their disposal to fix your credit, which includes fixing mistakes on your credit report, negotiating with your credit lenders, and using legal loopholes to get derogatory items on your credit report removed.

BBB Rating: A+

Guarantee? Sky Blue is one of the only credit repair services that offers a full 90-day refund no matter what the reason. You can check out Sky Blue Credit Repair here or call (888) 534-1510 to talk to a live person. (Reader tip: Call between 9-5 M-F EST.)

The process is fairly simple. The sign-up process is pretty straight forward: You fill out an application, which asks what you are looking for, some personal information and also some financial information to get the ball rolling. Once you have paid the initial fee, SkyBlue will give you instructions on how to obtain your 3-bureau credit report. Once SkyBlue has the report, an agent will reach out and go over it with you to pick out areas that they think can be improved.

Once you and the agent decide on the areas to focus on, SkyBlue will get to work, either negotiating with your lenders or disputing items on your report or any of the other legal tools it has in its toolbox to get those negative items removed. The process will be repeated each month until you are satisfied that all the items that can be removed have either been removed or have been attempted to be removed.

In addition, SkyBlue will send you information on how to optimize your score on your own as well as tips on how to rebuild your credit naturally. The tips include how to utilize credit in a smart and productive way to raise your credit score.

Credit repair doesn’t always have the best reputation because there are a lot of scam services in the credit repair field. The trick is figuring out which companies are scams and which are legit.

According to the government’s Credit Repair Organization Act, there are rules that every credit repair agency has to follow in order to be legit. If your credit repair company doesn’t follow any of these rules, it may be a scam:

  • Credit repair agencies cannot ask for payment upfront without completing the work first. (This does not apply to initial payments to begin the work.)
  • All contracts between you and the credit repair agency must be in writing. If anything is not in writing, don’t believe it.
  • All credit repair agencies need to have an easy cancellation policy. Most legit credit repair agencies have month-to-month contracts because of this rule, so you can cancel any time.

SkyBlue Credit Repair adheres to all of these rules, which means it is a legit credit repair company. It also has an A+ rating from the Better Business Bureau, which is the highest rating for a credit repair service. It also has been in the credit repair space for almost 30 years, making it one of the most established agency in the industry.

Generally, SkyBlue is broadly considered one of the best credit repair services out there. In the majority of online reviews for credit repair services, SkyBlue ranks in either the #1 or #2 position.

Customer reviews paint a similar picture. Of the sites that offer user reviews, most users gave SkyBlue either 4 or 5 stars, and had generally great things to say about the service. Even people who were not completely satisfied had kind words for other parts of SkyBlue’s service, like its customer service.

Professional reviews

On the Better Business Bureau website, SkyBlue has accumulated 39 positive reviews and only 2 complaints. Those complaints were actually resolved and the users were given a full refund on what they spend on the services.

These user reviews are generally unheard in the credit repair industry. Many people go into credit repair expecting a specific result, but that’s not how credit repair works. Some items can’t be removed. Some disputes are proved true. No legitimate credit repair agency offers any guarantees of results. Generally, this means customers get frustrated and take it out on the companies with negative online reviews. For a service to have so few negative reviews speaks volumes to how it treats its customers.

The one thing that is hard to measure when reviewing a company is how customers are treated by the company’s customer service. There may be a couple of Yelp reviews or a complaint on the BBB site, but nothing very conclusive on what customers think.

SkyBlue luckily has a plethora of glowing reviews about its customer service. From sites like Credit Karma to Consumer Affairs, people who have used SkyBlue rave about its customer service. One reviewer said that SkyBlue told him at the start that credit repair wasn’t a good fit for his situation, and refunded him the initial payment without him asking.

Another reviewer talked about how SkyBlue wasn’t able to do much with his score over 3 months, which was disappointing, but he went out of his way to compliment its customer service even though he wasn’t happy with the results. Of course, there are many positive reviews from people who were helped, but these reviews from people who weren’t helped but still had good things to say speaks to the value of SkyBlue’s customer service.

There are a couple of questions you need to ask yourself before deciding if SkyBlue Credit Repair is right for you:

  • How much money do I have to spend?
  • Do I need extras like credit report monitoring or identity theft?
  • Is personal attention more important to me than having a larger company handle my account?
  • What am I hoping to get out of this service?

These questions speak to the strengths of SkyBlue. First, how much money are you willing to spend. If you are in need of credit repair, money is probably pretty tight. This is where SkyBlue’s affordable price can be a strong selling point for the service, especially with the value that you get for it.

Second, if you do have a little more money to spend and you want added features like the ability to monitor your credit report every month or identity theft protection services, then SkyBlue is not the credit repair service for you. You can try services like Lexington Law or CreditRepair.com, which both offer those extra services at an extra price.

Third, SkyBlue is a smaller company and is known for its personal touch when it comes to credit repair and customer service. It is a smaller company, which allows for that personal touch, but being a smaller company can sometimes make people think it is not as successful or powerful. If you are looking for a larger company that has a large team to work on your account, SkyBlue is probably not the best choice for you.

Fourth, if you just looking to improve your credit score or fix issues on your credit report, SkyBlue is the perfect company. That is the company’s bread and butter. Its straightforward approach to credit repair is why it is a popular choice among consumers.

Summary
Review Date
Reviewed Item
Sky Blue Credit Repair
Author Rating
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  • I paid off all my derogatory debt on my credit and I am trying to get it removed from my credit score all at the same time so I can boost my credit. We are trying to get in this house before July 15th 2017. Help!!!

    • Hi. A service like Sky Blue Credit Repair may be able to help you, but only in certain cases. If the debt was legitimate, it can take 7 years for it to come off your credit report. Credit repair service can negotiate with your lenders to try and get it removed now, especially if you have paid everything, but there is no guarantee. There are other legal ways for Sky Blue get items removed, but the take away here is there are no guarantees, so sign up with that in mind.

  • I have been paying one of my daughter’s student loans since 2007. During that time in 2013, I was late about 6 times. My card expired and by the time I was notified I was behind. The loan has never been late since and that was 4 years ago.My daughter is now applying for a mortgage. The mortgage co. told her, her credit score was 675. This means she will pay about $300 more a month for a mortgage. She has never been late on any of her other loans that she pays. What can I do to help?

    • It sounds like you need a solution sooner rather than later. You can contact the loan company directly and ask them to remove those negative marks on your daughter’s report based on what happened and your current record of paying. Some lenders are more forgiving than others. If you have more time, you can sign up for a credit repair company and have them do the negotiating as well as find other ways to raise your daughter’s score.

  • I have a lot of charge offs that were paid off, duplicates, over seven years old and are keep reporting as they are resent. Can these be removed

  • How long does this take?
    I need to see if I can raise my credit in a reasonably short amount of time.

  • My wages are being garnished is there anything else I can do to repair my credit?

  • I need to raise my credit score above 700 to start business line of credit. However. I have items on my credit report that need to take care of to make it works.

  • can you remove my collections in my credit report?

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