Sky Blue Credit Repair Review (2022)

Welcome to our review of Sky Blue Credit Repair. Finding the best credit repair company is certainly not an easy task. With hundreds of companies promising to repair your credit score, it can be a hard process sifting out the reputable services and the many credit repair scams. Once you have found a company that you believe is genuine you then have to trawl through the online reviews and decipher which are genuine and which are simply negative reviews left by competitors simply trying to damage their opponent’s reputation, the whole journey can soon become a nightmare.

A service that delivers results will certainly be better than simply doing nothing, however, some companies are able to deliver better results than others. Many companies are very cagey when it comes to providing evidence of what they’re actually doing, however, many companies are completely transparent and provide reports on what they’ve achieved. Sky Blue Credit is one of the few companies that are open and honest about the service they provide.

Sky Blue has been a major player in the business for over 26 years now. It has a pretty good reputation for providing results at a reachable price. One of their main traits is their strong customer service that is faster and better than other competitors.

It takes a lot of effort to be the best and they have managed so by analyzing all the methods of disputing credit items to find out which one is the best. Then, they apply the methods and focus their services on them. This has resulted in, what they believe to be, a winning formula that gives the best results quickly and not too expensive. To see if this all is true, we had to test all aspects of the company. This is what we found out.

One of the key differences of Sky Blue is that none of their consults work on a commission basis. There are no pushy and aggressive sales reps who have their best interest in selling you on their service. They genuinely want to help you improve your credit score and reduce the stress that is often associated with managing all of the various agencies you need to deal with in order to restore your credit rating.

When companies are operating on a commission model they have a vested interest in pushing to get you signed up quickly and move onto the next ‘sale’. They will tell you whatever they think you want to hear to close the sale and collect their commission. They simply let their customer support team deal with the complaints that invariably come down the road when you are no longer satisfied with their service.

Sky Blue has stood the test of time and has been providing credit repair and restoration services for individuals and families since 1989, which makes them one of the more established companies. Operating under the strict guidelines of the Credit Repair Organizations Act (CROA) they take pride in following industry best practices and laws that govern the industry. Prior to the CROA, the industry was crawling with many unscrupulous and fly by night agencies making empty promises. Many of these companies have now gone out of business. Of the companies that were left they had to adhere to strict guidelines and codes of conduct. This proves they’ve always had their client’s best interests at heart and have not pursued quick profits at the expense of their customers. There are many ways you can improve your credit yourself but this can be time-consuming and often more costly in the long term. Sky Blue can help you improve your credit, take control of your finances and achieve your financial dreams.

Sky Blue Credit Website

Support & Service

Table of Contents

Since the firm claims to have one of the best customer support & services, we had to put it to the test. We called customer support a couple of times. The representatives from the company are very professional and responsive. They gave us accurate information over the phone and they answered our emails very quickly. One can be sure to get transparent and good information really quickly, which is a plus.

If you don’t know enough about credit and finances, the company will provide some education on the topic. The coverage is not that great, it is lower than average, but you can find blog posts that aim to help you understand exactly how credit repair works and how to regain and stay in control of your finances.

After you understood how everything works, the expert advisers will analyze the details of your credit report and give you tips on how to improve it. The experts will point out all of the compliance issues that are hard to spot and that affect your credit scores.

All the clients get a 90-day guarantee. If you are not happy during your first 90 days of membership, They offer a full money-back guarantee. That rarely happens because the company has a customized solution for each individual case. So, what are the costs of their services?


Cost & Fees 

Their fees are correct and reachable. Compared to the cost of other services, their prices are lower. The monthly fee for their services is $79. It is charged at the end of each month and there is a one-time setup fee that you have to pay in the beginning. It also costs $79.

The company does offer a good couples discount too, on the monthly fee and the setup costs at only $119 per month. A third-party is needed to pull your credit report through, but that is free of charge, and they also offer the 90-day refund guarantee. We have to say that these prices are correct, but they may vary depending on the situation of every client. There are no termination fees or penalties, so you don’t have to worry.



Time Frame

The average time that clients spend working with the company is six months. The length of the program depends on the situation of each credit rate. The company claims to add from 100 to 200 points to your credit score with their services. Again, this depends and may vary depending on the credit report and the situation you are in. If your credit report is proven to be negative by credit bureaus, nothing can be done.

Once they begin disputing items on your credit report, you should start seeing some results within the first month. They usually dispute 15 items on the report in three of the biggest credit bureaus at the same time. You can come across other companies that dispute all of your items at the same time in order to get the biggest possible improvement really quickly, while others dispute a fraction of items because they don’t want to be refused. Sky Blue’s approach is somewhere in the middle. They aim to dispute as many items as possible without overwhelming the bureaus.

Program Details

Sky Blue Credit is a credit repair agency. They focus on removing negative information from your credit report. Whilst the strategy of removing negative information is not the best method to increase your credit rating it is an important step in the process. Before you considering hiring Sky Blue, focus on paying your current account on time. Only then should you enlist the services of a professional company. Only look to hire Sky Blue once you have established good credit behavior first.

Assuming you have implemented good credit habits, why would you engage the services of Sky Blue? Many individuals enlist their help to clean up old credit problems or to fix issues related to identity theft.

Many companies will attempt to “repair” your credit score by throwing it at the credit bureaus. They take a shotgun approach and simply dispute every item of your credit report and hope some items are removed. Whilst this may be effective in the short term, in truth it fixes nothing in the long term and can lead to more problems. Sky Blue does not operate this way.

Everything Sky Blue does is legal. They actively work to remove questionable or unfair information from your credit report. The majority of their work is spent on writing letters requesting the removal of negative information.

They are very transparent that this is something you could easily do yourself if you prefer. However, if repairing your credit rating was truly that simple the market for credit repair services would not exist. Their expert knowledge of credit law provides them with an advantage when it comes to removing negative information from your report.

They do have fewer program features compared to other credit repair companies, but their quality is better. They work with a third party reporting bureaus that deal with monitoring and credit reports. Clients are provided with links to their services like pulling your credit for you and monitoring the entire process. These services can be canceled whenever the client chooses. Instead of working with the client’s creditors, they only work with the credit bureaus. That could result in credit hits on your report.

Also, this company doesn’t offer to pay for delete negotiations like others. That means that clients can’t pay off legitimate charges, so the creditor will not be able to remove hits from your credit report.

Program Details

Frequently Asked Questions About Sky Blue Credit Repair

How does Sky Blue Credit operate?

They will start the process by challenging the negative information on your credit report at the credit bureaus. This is the foundation of any successful credit restoration strategy and involves writing letters to each of the credit bureaus that contest the negative items. Negative items can include late payments, repossessions, student loans, and bankruptcies. The credit bureaus then have up to 30 days to respond to the challenges. Sky Blue will also contest credit inquiries too.

If the information on your credit report proves to be inaccurate, the credit bureau will remove the item from your report. Sky Blue will keep you informed throughout the process and will send you the results as they are received.

Whilst this can be a very effective strategy to dispute negative items it does have it’s shortcomings too. Keeping in mind the credit bureaus normally “investigate” by confirming with creditors the charges anyway. The credit bureaus will not respond unless Sky Blue pushes them further. They push them further they will automatically send customized re-disputes which are designed to increase the chance of having the items removed.

They have been able to remove 15 items from your credit report (5 items per bureau) within the first 30 days of signing up for their service. Whilst the creditor can put it back on your report they normally do not go to the effort to do so. This ensures your report is significantly cleaner and leads to a higher score than what you would have started with.

Whilst you may be considering the option of trying repair your credit yourself you get the benefits of Sky Blue’s decades of experience and knowledge of exactly how to prepare their re-disputes to ensure a high chance of success. The amount of time it would take you to learn and the trial and error you would need to go through soon leads to the conclusion that credit repair is best left in the hands of the experts, especially considering they offer some of the sharpest rates in the industry.

How can I sign up and get started?

To begin the credit repair process simply visit the official Sky Blue Credit website and complete the online sign-up form. The form is simple and will only take you a few minutes to complete. They request your name, address, and other personal details. You will be required to make payment via a credit or debit card. Once you have completed the online registration form you will instantly receive instructions via email on how you can obtain your credit report from the 3 credit bureaus. You will be requested to purchase a tri-merge credit report. The “Tri-Merge Credit Report” is simply your credit report from all three credit bureaus (Equifax, Experian, and TransUnion). You must purchase this report from an independent credit-monitoring service. Once you have received your credit history and have submitted it to Sky Blue they will commence their analysis and begin the dispute process. When you request your credit report you do not need to be concerned about incurring any damage to your credit. The Tri-Merge or 3-bureau report will contain a comprehensive breakdown of your credit history, which Sky Blue will review thoroughly. They will look for any discrepancies between the three bureaus.

How long does it take to start seeing results?

When it comes to credit repair there are no minimums or maximums. It varies depending on the number of items that need to be disputed. It also depends on how quickly the credit bureaus respond to the request. Once you have completed the signup process and they have reviewed your credit history they will be in a better position to advise you regarding the time frame.

Do they offer a money-back guarantee?

Absolutely. They offer a true 90-day money-back guarantee from the date of enrollment. If you are not satisfied for any reason at all, just let them know why and they will arrange a refund of your money in full. It is important to note that this guarantee does not imply a guarantee of a specific outcome though. The refund policy expires within 90 days of enrollment. No one can promise results but Sky Blue promises to do everything possible to maximize the chance of success. The money-back-guarantee is hardly used as the company implements a tailored approach to each individual scenario.

What items are they able to remove from my credit report?

They are able to successfully remove paid collections, charge-offs, judgment’s, student loans, repossessions, late payments, hard inquiries, bankruptcies etc. They technically are able to remove any item on your credit report. However, this does not mean that every item that can be removed will be removed as there are no guarantees or promises. Only items that are proved to be incorrect will be removed. Genuine registered debts cannot be removed.

What accreditation’s does Sky Blue Credit have?

They have an excellent A+ rating with the Better Business Bureau and a 4.6 out of 5-star rating on TrustLink. There are also numerous testimonials on their website from happy previous clients.

What sensitive information does Sky Blue Credit require from you?

You will be required to provide your social security numbers, date of birth, credit and/or debit card details, bank account details (if you don’t use a credit/debit card) and credit report account numbers (which are used to dispute negative items). Please note that this is not a comprehensive list and Sky Blue will advise on exactly what is required once you have signed up.

How do their prices compare?

Sky Blue’s credit repair services are competitively priced and are towards the lower than most online credit repair companies. There is a one-time review/setup of $69.00 and a low monthly charge of $69.00 which is not charged until the following month. You are being charged once the work has been completed, never in advance. If you are a couple you will receive a discount and will only pay $99.00 per month.

Are there any special discounts or coupon codes available?

Yes, you can save if you sign up as a couple. The monthly fee reduces from $138 to $99 with only a $99 setup fee. You are not required to be married, the only requirement to receive the discount is that you live and pay together.

What is their contact number?

You can contact their office directly on (888) 997-2988 during normal business hours. If you are contacting them outside normal office hours simply leave a message and they will certainly return your call.

What are their office hours?

Their normal business hours are Monday to Thursday 9.00am to 7.00 pm EST and Friday 9.00am to 5.00pm EST. They are closed Saturday, Sunday and public holidays.

Where are they located?

Their office is located at 6001 Broken Sound Pkwy NW #300, Boca Raton FL 33487, USA. They service the entire country from this office and there is no requirement to visit their office as everything is handled via phone and/or email.

How do I cancel with Sky Blue Credit?

You are free to cancel at any time without any further obligation. You are not locked into any long term contracts (or contracts at all!). If you feel you have achieved the desired results or believe there is nothing more they can do to help you, simply contact them via phone or email and request for cancellation of their services and you will not be billed further.


  • The company offers a great couples discount
  • Clients get a 90-day money-back guarantee


  • Clients have to hire a third-party service to pull their credits and monitor them


According to customer reviews and our own experience, Sky Blue Credit offers great customer service. The response to emails is quick and the information they provide is transparent and accurate. If a client has a hard time understanding his credit report, the company offers some education aiming to help you get back in control of your broken finances.

Apart from very good customer service, the company also offers good couples discounts. If a client signs up with a partner seeking the credit repair services, the setup fee, and the monthly fee will be cut back by 17%, which is great.

The bottom line is that they offer a quality service for a reasonable price, but if you are not satisfied with the results, the 90-day money-back guarantee will refund you right away.

Sign up with Sky Blue Credit today and improve your credit rating

Steven Millstein

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