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Sky Blue Credit Repair

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LAST UPDATED: April 27th, 2022

Sky Blue Credit Repair has offered credit repair services and credit restoration to those looking to improve their bad credit scores since its beginning in 1989. 

The company provides a professional analysis of inaccurate or misleading negative items to dispute, credit score assistance, and credit rebuilding guidance to all clients. Sky Blue Credit Repair also offers custom disputes as part of its service.

Additionally, Sky Blue Credit Repair has more to offer than just its credit repair service. The extra services the company provides include debt validation, goodwill letters, as well as cease and desist letters, and more.

This credit repair company is known for its customer service and helpful credit repair services. Additionally, the company is focused on cleaning up bad credit and improving credit scores in a relatively short amount of time for all consumers.

Read on to learn more about the company's services and to read verified Sky Blue Credit Repair reviews

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The Good

  • Credit Report Suggestions
  • Number of Items Disputed
  • Couples Discount
  • Dispute Process
  • Cancellation and Refund Policy
  • Education Center

The company's repair process makes it easy for potential clients to get started on their credit repair journey for a monthly fee of $79, which is a lower monthly fee than what many other companies in the industry charge.

After submitting a simple online signup form, Sky Blue Credit Repair specialists will immediately get started on preparing the case and getting their clients back on the right financial track to good credit.

After enrollment, clients will have access to a user-friendly online portal where they can track their progress, update information, communicate with company professionals, pause their membership, choose their billing date, and more.

Additionally, Sky Blue Credit Repair consumers can also expect the following:

Credit Report Suggestions

After enrollment, the repair service will review the client's credit issues and will identify possible negative items to dispute that will ensure optimal credit repair.

Sky Blue Credit Repair will also offer personal and customized FICO score recommendations which include credit score optimization and applicable rebuilding steps and tips.

Number of Items Disputed

Sky Blue Credit Repair's focus is to remove as many inaccurate/misleading negative items as possible on clients' credit reports within a short amount of time. According to the company's website, Sky Blue Credit Repair will dispute 15 items - five per credit bureau - every 35 days.

Although the credit repair process can vary depending on the client's initial credit situation, Sky Blue Credit Repair works with all three of the major credit bureaus and continues to strive for quick results regardless of the situation.

Couples Discount

The company offers a discount for all couples that enroll in its credit repair services. Couples can be simultaneously enrolled to repair their credit.

According to the company's website, couples do not have to be married to be able to take advantage of the couples discount.

Sky Blue Credit Repair's couple discount allows couples to save money on a monthly basis. Although it's common for couples to sign up for credit repair services together, some credit repair companies do not offer a couples discount.

Dispute Process

Sky Blue Credit Repair uses a simple three-step credit dispute process to remove negative inaccuracies like late payments. As previously mentioned, the company challenges clients' credit report items from all three major credit bureaus (i.e. TransUnion, Equifax, and Experian).

Sky Blue Credit Repair's credit specialists will send "customized re-disputes" to the credit bureaus if the inaccurate negative items that were challenged for dispute are not corrected. This process is designed to raise the client's chances of obtaining their desired credit results.

Cancellation and Refund Policy

With Sky Blue Credit Repair, clients have the ability to cancel credit repair services at any time without any additional charge or obligation.

Clients can pause their membership with the credit repair company through their online portal or by directly coordinating over the phone with a Sky Blue Credit Repair representative.

Unlike some other companies in the industry, Sky Blue Credit Repair offers a 90-day refund policy for all clients. If clients are unhappy with the first 90 days of their credit repair service membership, then the company promises to refund all of their payments without any additional conditions.

Credit repair services can be unpredictable at times which is why Sky Blue Credit Repair offers a 90-day money-back guarantee.

Education Center

Sky Blue Credit Repair provides an online education center that all website visitors can access.

The company's education center covers topics like credit tips, a credit repair guide, a credit score guide, how-to guides, and much more.

Overall, the credit repair firm's website appears to provide significantly more educational information than the average credit repair company. 


The Bad

  • Case Setup Cost
  • Package Options

While Sky Blue Credit Repair has over two decades of experience in the credit repair industry, there are still aspects of the company's service that could be improved.

For example, unlike many other companies, Sky Blue Credit Repair does not appear to provide a free consultation for potential clients.

Although Sky Blue Credit Repair does have an impressive reputation, there are a few things potential clients should be aware of before signing up. 

Case Set-Up Cost

In comparison to some other companies, Sky Blue Credit Repair charges customers a fairly high initial fee. This one-time setup fee is charged after the first six days of enrollment. 

Package Options

Sky Blue Credit Repair only offers limited package options (the only difference in packages are individuals and couple pricing).

Meanwhile, other companies within the credit repair industry offer a variety of services and packages with varied monthly fee and setup fee options. In fact, some companies even offer customizable credit repair services that depend on clients' specific credit situations. 


The Bottom Line

Sky Blue Credit Repair appears to be one of the more fast-paced credit repair companies in the industry in terms of its dispute process.

The credit repair firm has a proven three-step process that continues to help clients improve their poor credit, enhance their credit history going forward, and help them reach other financial goals.

Sky Blue Credit Repair also seems to be compliant with the Credit Repair Organizations Act (CROA), works with all three major credit bureaus, and offers debt validation services, goodwill letter services, as well as cease and desist letters as part of its credit repair process. Additionally, the company provides a custom dispute letter service as well as a money back guarantee. 

Potential clients will need to be active participants in the credit repair process, meaning Sky Blue will require clients to obtain the credit reports and keep an open line of communication between the credit bureaus and the case.

Unfortunately, the company charges a somewhat steep initial fee after six days of enrollment. This setup fee is steeper than what some other credit repair companies charge for the repair process.

Overall, Sky Blue Credit Repair will strive to improve your poor credit within a somewhat short time span, but keep in mind that credit repair processes may vary. We recommend that you read several Sky Blue Credit Repair reviews and visit the company's website before you sign up for their credit repair services. 

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59 Reviews

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Shaneice Statesville, NC

After reading reviews, I began my SKY BLUE CREDIT REPAIR journey on Oct 8th. I absolutely LOVE how they constantly keep you updated on what they're doing. I receive an email almost daily from them. No question I have has gone unanswered. Even before they took out my first payment, 6 days after sign up, they made me feel like my file was important to them. The steps that I needed to take to assist them was not much to ask at all. They determine which items would be best to dispute and which ones could cause a legal issue by disputing. I haven't seen any changes yet since it has only been 6 days but I feel like we've gotten a lot accomplished already! I'm looking forward to seeing the changes in my credit score the next few months!

3 years ago

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Laurie Horridge East Greenwich, RI

Sky Blue removed 11 inaccuracies from my report by disputing derogatory items. But the best help they gave me was a conversation I had with them about how to quickly increase my score. They suggested I pay down one particular card that had a large balance. I took their advice and my score increased 60 points in one month! After about 4 months they called me to check in and advised that they really thought I was on the right track and that there was minimal additional stuff they could do for me so they suggested I terminate their services for now. How often does a company on an automatic payment plan call to suggest that you stop paying them because they've finished their job????!!!! Excellent and honest service!

4 years ago

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chiefsfan74 Lehi, UT

Before I signed up, I actually called to talk to the BBB to make sure these guys were legit. You never know when some companies post a BBB score and lie about it. I had a few charge off's to take care of, and they helped me to get them removed. Not actually by removing them, but walking me through the steps with the collectors, and how to work with the banks. That's good enough for me. I gave them a 9.

11 years ago

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A. Simmons North Grafton, MA

When you call them they are extremely polite. they answer any questions and give you advice. I have had so many items removed, even a bankruptcy on one of the credit bureau reports. My scores have gone up and up consistently each month. I would highly recommend them. THANK you Sky Blue.

7 years ago

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JP Elisson Lehi, UT

There is a reason the BBB rates these guys at an A+. We didn't have a whole lot of negitaves to remove from our credit, but they did a great job for my wife and I.

10 years ago


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Ashlyn Elwood Marietta, GA

Sky Blue is great! They allowed me to pause my membership and reactivate it super easily and the value for their services is wonderful in comparison to many other companies I have tried.

1 year ago