Sky Blue Credit Repair Review: Cost & Effectiveness

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Credit is an essential part of today’s financial world. Unless you have a huge amount of cash stowed away, if you want to buy a house or car, you’ll probably need to get a loan.

Even for everyday purchases, credit cards are one of the most popular ways to pay for things.

However, to qualify for mortgages, auto loans and credit cards, you need to have good credit. But if you damage your credit, missing multiple bill payments or declaring bankruptcy, you can find yourself in a catch 22 situation. 

You can’t rebuild your credit without getting approved for a loan or credit card, yet, no one will approve your application because you have damaged credit.

Sky Blue Credit Repair is a company that looks to help people rebuild their damaged credit, making them able to qualify for new loans.

sky blue credit repair logo
Overall Rating


Sky Blue credit repair offers reasonably priced services and customer-friendly policies. It has a long history in the market and a good record of customer reviews. Most competitors provide fewer details about their services or charge far more for premium service, so Sky Blue also wins points for simplicity and transparency.

What is Sky Blue Credit Repair?

sky blue home page

Your credit is based on how you’ve handled debt in the past, whether you’ve made on-time payments or missed due dates and how much debt you currently have.

Sky Blue Credit is a Florida-based credit repair business. It helps people with poor or damaged credit improve their scores and get on the path toward healthy credit use.

Founded in 1989, Sky Blue Credit is one of the longest-running credit repair services in the nation.

The company prides itself on the quality of its customer service. It aims to help its customers improve their credit in the long-term rather than producing short-term bumps in their score.

The company also provides advice and guidance on how to use your improved credit score—for example, walking people through the process of applying for a mortgage.

What Services Does Sky Blue Credit Offer?

sky blue credit repair services

Sky Blue’s credit repair services include everything you need to improve your credit – effectively. The company offers the following services for its customers:

Pro Analysis

Knowing what every entry in the report means and how it impacts your score can help you identify the best way to tackle your damaged credit. However, reading your report can be difficult for the average person.

Sky Blue Credit’s repair service has professionals that are well-versed in examining credit reports, identifying problems and even finding incorrect information. For example, if someone sells your delinquent debt to a collector, they must stop reporting that account. 

However, many companies mistakenly continue reporting, which can cause the same debt to show in your report twice, three times or more, cratering your score.

When you sign up, Sky Blue automatically examines your credit reports for these hard to find issues. Then the company comes up with a plan to help you rectify mistakes in your report and devise a plan for rebuilding your credit.

Automatic Disputes

Incorrect information, such as debts that don’t belong to you, can have a large negative impact on your credit. Each of the three major credit bureaus has a distinct process for disputing errors.

So, if there are several mistakes in your report, disputing them all can be time-consuming and confusing.

Sky Blue Credit’s repair service disputes as many as fifteen errors every 35 days, five per bureau. That can help you correct mistakes in your reports quickly and with little effort on your part.

Score Assistance

The FICO scoring model relies on five different factors to calculate your credit score: payment history, credit utilization, length of credit history, credit mix and new credit. 

Sky Blue’s score assistance examines your reports and identifies areas where your report is lacking. Then, Sky Blue’s experts come up with a plan to help you shore up those deficiencies, recommending individual credit cards based on your financial profile.

Credit Rebuilding

Removing errors from your credit report is only one part of improving your credit. You have to take steps to prove that you can handle debt properly to rebuild your score.

Sky Blue analyzes your report to help determine if opening new accounts can give your score a boost or rebuild from a history of missed payments. If so, the company will refer you to secured card issuers that fit your needs.

Additional Services

If you have damaged credit because of missed payments and delinquent loans, it can make life stressful. Debt collectors can call your home, or you might receive demands to pay debts you don’t think you owe. 

Sky Blue Credit offers additional services, such as debt validation and goodwill appeals to creditors to remove negative events from your report. Plus, they’ll mail cease and desist letters to stop collectors from hounding you.

In extreme situations, Sky Blue also offers settlement negotiation assistance, helping you settle your debts for less than the full amount you owe.

How Does Sky Blue Repair Your Credit?

Sky Blue makes it easy to sign up for its credit repair services. The company has a four-step process for repairing your credit.


The first step in working with Sky Blue is signing up. The process is relatively simple. You fill out an online form and provide your credit card information so the company can charge you for its services.

You’ll also have to request copies of your credit reports from each of the main credit bureaus. Sky Blue walks you through the process to make it as easy as possible for you.

Review and Setup

After you sign up and send your credit reports to Sky Blue, the company’s professionals look through each report line-by-line.

They’ll produce a report for you outlining any issues with your report and potential inaccuracies the company plans to dispute. Also included is a list of tips and advice for rebuilding or improving your score.


After reviewing your report, Sky Blue automatically disputes potential errors in your report. The company deals with as many as five issues with each bureau at a time, sending new disputes every thirty-five days. 

If the bureaus deny the disputes, Sky Blue edits their submissions and sends them again as needed.

Ongoing Membership

After Sky Blue disputes any potential errors in your reports, you can retain your membership and continue to enjoy its benefits. The company creates a personalized dashboard outlining your accounts and advice for improving your credit.

Sky Blue also monitors your credit for new issues and errors that arise.

Sky Blue Fees

sky blue credit repair pricing

Sky Blue’s fee structure is incredibly simple. The service costs $79 per month, though you can pause or cancel the service at any time. There’s also a couple’s discount. If you live with a partner, they pay half the regular cost to sign up.

The first charge will hit your card six days after you sign up. Your first monthly bill will come one month from that date.

Pros and Cons of Sky Blue Credit Repair

There are both upsides and downsides to working with Sky Blue Credit Repair.

90-day Guarantee

A positive feature of Sky Blue is that it offers a 90-day satisfaction guarantee, which is unusual in the credit repair business. If you’re not satisfied with the service for any reason, the company claims that it will offer a condition-free refund of all the fees you paid.

Sky Blue admits that it’s impossible to predict exactly how the credit repair process will play out. Offering this guarantee is great for people who hesitate to pay for a service that might not work as well as they hope.

Great Customer Service

Sky Blue claims that it offers some of the best customer service in the industry and has many policies that back up that claim.

Beyond the 90-day money-back guarantee, Sky Blue also makes it easy to cancel or pause your services if you need to, for any reason. You don’t even have to call or email anyone, just click the pause button in your account portal.

Sky Blue also doesn’t want to keep customers paying for any longer than they need to.

When it does its initial analysis of your credit, the company lets you know how long it expects you to need its services. Sky Blue says that the average customer uses the service for six months.

Value of Frequent Disputes

One of the most valuable services that credit repair companies offer is disputing errors with the credit bureaus. Doing this yourself can be difficult, but removing errors can have a massive, positive impact on your credit.

Sky Blue disputes as many as fifteen errors every thirty-five days, which is more than most other credit repair services. That means you can repair your credit faster with Sky Blue.

Limited User Interface

One drawback of SkyBlue is that its website and user interface are relatively basic. Other companies and credit monitoring services have sleeker websites and apps that you can use to track your progress.

Credit Repair Services aren’t Essential

Another downside is that you don’t absolutely need to hire a company to help you repair your credit. The process can be just as effective if you do everything yourself, plus you’ll be saving money.

If you work with SkyBlue, you’ll be paying $79 per month, which isn’t an insignificant amount for something you could do on your own.

When to Use Sky Blue?

Sky Blue is designed for people who have damaged credit. If you’re having trouble getting a credit card or loan because you have no credit history, Sky Blue won’t do much to help you.

If you’ve had credit in the past but managed it poorly and missed a lot of payments, Sky Blue might be able to help.

The company excels at removing mistakes from your credit reports and identifying the areas where your credit reports are lacking. However, if you have no credit, you already know your reports are lacking in every area. You need to have established some credit history, even if it isn’t great, to get the most out of Sky Blue’s service.

Alternatives to Sky Blue

There are a lot of companies that offer credit repair services. If you’re in the market, you should consider multiple options to make sure you get a good deal.

Lexington Law

Lexington Law is one of the largest credit repair companies on the market. It offers three levels of service to its customers.

Its basic service covers disputing errors with the credit bureaus and working with your creditors on your behalf.

The mid-level service adds an in-depth analysis of your credit report and additional monitoring.

The premier plan adds a FICO score tracker, automatic cease and desist letters for creditors that contact you and additional finance tools.

Pricing ranges from $89.95 to $129.95 per month, making it a more costly alternative to Sky Blue.

Credit Saint

Credit Saint is another service that offers three tiers of credit repair.

All levels of its service include features like disputing errors and personalized support. Its high levels of service offer more frequent and in-depth disputes of things like bankruptcies.

To get started, you’ll pay an upfront fee of $95 for the basic and intermediate plan, $195 for the advanced plan. After the first payment, you’ll pay $79.95, $99.95 or $119.95 per month.

Like Sky Blue, Credit Saint has a 90-day money-back guarantee. Read our full review of Credit Saint for more information., like the other alternatives to Sky Blue, offers three different levels of service. The company doesn’t outline the precise difference between each tier of service but advises customers with many negative items in their report to upgrade to higher levels of service.

The company offers automatic error disputing, a personalized credit dashboard, score analysis and credit monitoring.

Pricing starts at $99.95 per month, placing it above the cost of Sky Blue.


Sky Blue Credit Repair is one of the cheaper credit repair options on the market. It has a long history of helping people improve their credit and offers customer-friendly policies such as a 90-day satisfaction guarantee and easy pausing of your service and bills.

While you can do everything that Sky Blue will do for you on your own for free, sometimes it’s worth paying for the convenience and assistance. 


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