Sky Blue Credit Repair Review 2024 - Improve Your Credit
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Sky Blue Credit Repair provides assistance to build your credit and will dispute items on your credit report.
8/10
Cost
8/10
Features
8/10
Ease of use
9/10
Services
8/10
Your credit score is crucial in getting a loan to purchase a home or the credit card application is approved. Like many things in life, it can be repaired if your credit score is not up to the mark. If you want to get serious about your credit and ensure it is the best but do not know how to get started, Sky Blue Credit Repair is a great place to start.
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What is Sky Blue Credit Repair?
Sky Blue Credit Repair, based in Boca Raton, Florida, has been a major credit industry player for over three decades. It has an A+ rating on BBB and is known for its 90-day money-back guarantee and exceptional service. It is a flexible credit repair service tailored to meet your needs when planning to buy a home, facing debt collectors, or just trying to rebuild your credit score. They offer personalized credit score assistance.
The service has straightforward plans and customized solutions to meet your needs. Here is a complete review to help you understand how Sky Blue Credit works and decide whether it is a good choice.
How does Sky Blue Credit Repair work?
Signing up for Sky Blue Credit is very easy. The website is secure, and the process is simple: three steps.
Head to the Sky Blue Credit Repair website and click on Get Started.
In the next step, you tell them your name, address, email, and additional details before they start. If you want to add a member and enjoy the couples discount, you can do it at this stage.
Now, enter the billing information by filling out the credit card details. An expert from the team will contact you and start the credit repair process. Once the account is created and verified, you have unlimited access to the portal, where you can easily track the credit repair process and speak to expert professionals.
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How much does Sky Blue Credit Repair Cost?
Sky Blue Credit Repair has a very straightforward cost structure. You pay an initial fee of $79 for the setup and a free consultation. Plus, there is a membership fee of $79 for every month of service. You can pause or cancel the plan at any time. There's also a plan for couples that costs $119 up front, then the same amount each month. For the full service, you pay $99 per month, and $149 monthly for the couple’s plan.
If you are unsatisfied with the service, you can get a full refund in the first 90 days. The refund is condition-free, which sets the company apart from many others.
Sky Blue features
Sky Blue Credit Repair has two highly flexible plans. Each plan covers a wide range of extra services that are customized to suit your individual needs. Let us consider its features below.
Professional credit analysis
A huge benefit of working with a credit repair company is having an expert set of eyes on your credit report for potential discrepancies. As a Sky Blue customer, it will become easier to spot errors you would have missed with a seasoned credit repair professional. Sky Blue Credit Repair provides a complete credit report analysis when you sign up.
Credit dispute
After Sky Blue Credit Repair reviews the credit reports, it will send dispute letters to the bureaus on your behalf, making the dispute process easier.
Credit score rebuilding
Sky Blue Credit Repair will offer suggestions for improving your credit score. For example, you could prioritize paying off particular balances or opening a secured credit card. You can also work with Sky Blue Credit to build a long-term credit rebuilding plan.
Add-ons
Sky Blue Credit has all-inclusive service packages, and the membership fee includes all the services the company considers optional. You can choose from them based on your requirements, as they apply only to a few cases.
Debt validation
If you receive a letter from the collections agency for a debt you think is inaccurate, Sky Blue Credit Repair will assist you in navigating the debt validation process and will ask the agency to provide proof of the amount you owe.
Goodwill letters
Sky Blue Credit Repair will send goodwill letters to the creditors to remove the derogatory mark from the report. Such letters can be helpful in events like a late payment, which is a one-time occurrence when you have been making regular payments for the last six months.
Letters for cease and desist
If you have received calls from debtors for debt collection, you can ask the company to send cease and desist letters to end the communication. However, this is the last resort method used by the company.
Mortgage preparation
Those who need to fix their credit to purchase a home soon can benefit from Sky Blue Credit Repair services. They specialize in mortgage lender requirements and will adjust the credit repair strategy, keeping your timeline at the forefront.
Who is Sky Blue Credit Repair best for?
Sky Blue Credit Repair is ideal for people who want to work on their credit to purchase a home, consider debt consolidation, or simply rebuild their score and challenge errors.
Who shouldn’t use Sky Blue Credit Repair?
Those with no credit history should not use Sky Blue Credit repair because there is no point in repairing credit when there is none.
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Pros and cons
Pros
- Simple cost structure. Sky Blue Credit has straightforward cost structure with two plans. There is a basic plan with $79 setup fee and an additional $79 for service every month and a full service plan for $99 a month.
- Personalized services. The plans will cover optional services like consultations for debt settlement and mortgage preparation.
- Enjoy a 90-day guarantee. Those who are not happy with the services by Sky Blue Credit Repair can ask for a full refund within the first 90 days.
- Hassle-free to cancel or pause membership. If you want to pause the membership or stop it completely, it is easy and hassle-free. You can inform the team of your decision through email or phone.
Cons
- Limit on the monthly disputes. There is a maximum limit on the number of monthly disputes that Sky Blue Credit Repair will send. They can only send five disputes per credit bureau every 35 days. This means 15 disputes every 35 days.
- No credit monitoring. If you want credit monitoring, you need to sign up with a third party.
Sky Blue Credit Repair vs. competitors
Service Provider | Fees | Credit monitoring |
Sky Blue Credit | $79 - $99 per month | No |
Lexington Law | $99.95 to $139.95 per month + $89.95 to $129.95 set-up fee | Yes |
Credit Saint | $99.99 to $129.99 per month + $99 to $195 set-up fee | Yes |
Credit Saint
Credit Saint offers three packages for you to choose from. It can send unlimited disputes to all three credit bureaus and offers credit monitoring, creditor interventions, inquiry targeting, and a credit score tracker. It also provides a personalized experience to meet your credit repair process.
Lexington Law
Lexington Law enjoys a strong reputation in the industry and has three plans to choose from. It allows you to file disputes with all three bureaus, and they also escalate conflicts that take longer than usual to resolve. The service comes with credit monitoring based on the type of package you choose. So, for some of the credit repair services offered at a standard rate by Sky Blue, you will need to upgrade to a higher-cost plan in Lexington Law.
FAQs
Will Sky Blue Credit remove the late payments?
It varies. When the creditor has inaccurately reported a negative item like a late payment, Sky Blue Credit will file a dispute with the three credit bureaus. If the item is proved to be inaccurate, the credit bureaus will remove it from the report, but there is no such guarantee. It will only be done if the item is inaccurately reported.
Is Sky Blue Credit Repair legit?
Sky Blue Credit Repair is legit and has been in existence for more than 30 years. The company has produced results, and the customer reviews are proof.
Can I cancel the Sky Blue Credit Repair plan?
If you are not happy with the service, you can call or email Sky Blue Credit Repair and cancel the service. There are no charges as final payment for cancellation, and if you cancel within 90 days, you can get a full refund. Alternatively, you can also pause the service. This means you do not make the payment for the month when you want to pause and pick up right where you left off.
What can Sky Blue Credit Repair remove from my credit report?
Credit card late payments, bankruptcies, repossessions, student loan debt, late mortgage payments, paid collections, hard inquiries, charge-offs, judgments and more can be deleted. If any of these items are placed on the credit report, they can be removed, but there are no promises or guarantees.
The bottom line
Sky Blue Credit Repair assists you in building your credit and will regularly send disputes to the credit bureaus in case of a discrepancy in the credit report. It offers tailor-made services to meet your needs and is priced lower than the competitors. Also, there is a convenient stop or pause process to make it easier for you to continue or put a pause on the service.
It’s affordable, offers better services than competitors, and has an easy pause or cancel option. What’s not to love?
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Writer
Vandita Jadeja is a financial writer and editorial assistant at Joywallet. She loves to read and write about money and brings 7 years of experience from the financial industry. She loves coffee, mountains and sunsets.
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