Sky Blue Credit Repair Review for 2024


  • In Business Since 1989
  • 90-Day Money-Back Guarantee
  • Cost: $79/mo.
  • Special Couples Pricing: $119/mo.
  • No Contract – Cancel Anytime

Sky Blue Credit Repair is a highly-rated credit repair company that is particularly good at helping people decide when and what to dispute on their credit reports.

Most people don’t understand the nuances of the laws that allow them to repair their credit. So having a professional guide them through the credit repair process can go a long way to seeing better results.

One other advantage is Sky Blue’s accelerated dispute process. While most credit repair companies start with only a few items, Sky Blue Credit will dispute up to 15 items (5 items per credit bureau).

This means that if you have a lot of negative items, you can potentially get more of them dismissed at a faster rate.

Sky Blue Credit Repair is an affordable option for people looking to get “mortgage-ready” by getting rid of negative items on their credit report. Likewise, people who need to qualify for a car loan or other upcoming credit inquiries can rest assured they will have the best outcome possible when working with Sky Blue.

Introduction to Sky Blue Credit

Sky Blue Credit offers top-notch credit repair services. They could easily be considered the best credit repair agency in America. You can trust that they will work hard for you to give you the best chance at increasing your credit score.

Sky Blue Credit Reviews from Past Clients

Here’s what Sky Blue Credit customers are saying:

“For the price, I wasn’t expecting such great results! Our credit scores are steadily rising, and we’re pleased with the service.” — M.R.

“Let me just say how awesome your customer service department is. They handled everything, answered all of my questions and got me pointed in the right direction. Your credit repair company is the gold standard!” — R.H.

“Thanks again for helping me repair my credit. Everything has been amazing, and I’m really looking forward to seeing more results.” — H.J.

Sky Blue Credit currently has a Better Business Bureau (BBB) rating of A, and most of its customer reviews are overwhelmingly positive.

Frequently Asked Questions

How does Sky Blue Credit Repair work?

Sky Blue Credit challenges negative marks on your credit report with the credit bureaus. The credit bureaus then send the dispute results directly to you so that you can see the results.

If the items challenged are not removed, they will automatically send re-disputes designed to maximize the probability of the desired outcome. This will help clean up your credit report and potentially have a positive impact on your credit score.

Sky Blue Credit also provides cease and desist letters, debt validation letters, and goodwill letters, at no additional cost.

How can I get started?

You can visit Sky Blue Credit online and fill out the sign-up form. It only takes a couple of minutes.

Upon sign-up, you will immediately receive instructions via email on getting them your free credit reports. Once Sky Blue has your credit reports, they will complete their analysis and start the dispute process.

How long does it take to repair credit?

How long it takes depends on the number of accounts on your credit report that need to be disputed. It also depends on the responsiveness of the credit bureaus. Once you sign up, Sky Blue Credit will review your credit history and give you a better estimation of your time frame.

Does Sky Blue Credit Repair offer a guarantee?

Yes. While Sky Blue does not guarantee a specific outcome, they do offer a 90-day guarantee. If you are not satisfied for any reason, just tell them why, and they will refund your money in full.

No one can predict or promise a specific outcome. However, Sky Blue does promise to do everything possible to maximize the probability of outstanding results, and with their 90-day money-back guarantee, you have nothing to lose.

Which items can Sky Blue Credit Repair remove from my credit report?

Bankruptcies, student loan debt, credit card and mortgage late payments, repossessions, hard inquiries, paid collections, judgments, charge-offs, etc., can all be removed from your credit report.

In fact, any item placed on your credit report, including the items mentioned above, can be deleted. Of course, that doesn’t mean they will be, as there are no promises or guarantees, but they absolutely can be.

Can deleted items reappear on my credit report?

Yes, on rare occasions, the creditor may verify a negative item that a credit bureau recently deleted. The Fair Credit Reporting Act requires that the credit bureaus inform you before re-reporting a previously deleted listing.

They also have a limited time of 5 days to re-report the item once it’s been removed. Thereafter, it is a violation of the FCRA. So, the FCRA makes it difficult for the credit bureaus to re-report listings, and that’s why it rarely happens.

Sky Blue Credit Repair vs. Lexington Law: Who’s better?

Although Lexington Law is ranked slightly higher than Sky Blue Credit Repair, they’re both great options to help you improve your credit score. Compare both credit repair companies to see which is the right credit solution for your situation.

Sky Blue Credit offers a great credit repair service at a lower monthly price if you’re concerned about budget. And if you want a partner discount, it’s a strong contender.

Sky Blue’s customer service team is one of the best in the credit repair industry. They have excellent customer reviews, and many of their past clients have improved their credit scores by up to 100 points.

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Where is Sky Blue Credit Repair located?

Sky Blue Credit is located in Boca Raton, Florida. However, they serve the whole country, and it is unnecessary to visit their offices in person. They can take care of everything over the phone or online.

How much does Sky Blue Credit cost?

There is a one-time review/setup fee of $79 to sign up. Your first monthly fee of $79 is not charged until a month later. Sky Blue Credit Repair charges as work is completed, never in advance.

Does Sky Blue Credit Repair offer a discount for family members or couples?

Yes, Sky Blue has special pricing for couples: $119 review/setup and $119 per month! That’s 50% off for the second member! You don’t have to be married; you are invited to sign up as a couple if you live together and pay together.

What is Sky Blue Credit’s phone number?

You can reach Sky Blue at (888) 906-13251 for a free consultation during business hours. If calling after hours, you can leave a message.

What are their call hours?

Mon-Thurs: 9:00 am to 7:00 pm EST
Fri: 9:00 am to 5:00 pm EST

How do I cancel with Sky Blue Credit?

You can cancel anytime with no further obligation. There are no contracts or pre-set obligations.

Whenever you have achieved the desired results or feel like there is nothing else Sky Blue Credit can do for you, give them a call to let them know that you would like to cancel. You won’t be billed further.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.