Sky Blue Credit Repair Review for 2021



  • In Business Since 1989
  • 90-Day Money-Back Guarantee
  • Cost: $79 Setup – Only $79/mo.
  • Special Couples Pricing: $119 Setup & $119 Per Month
  • 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.

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

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

Bottom Line

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 are some customer reviews from Sky Blue’s past clients:

“For the price, I wasn’t expecting such great results! Our credit scores are steadily rising and we’re very happy 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.

While Sky Blue currently has a Better Business Bureau (BBB) rating of C-, we don’t believe that to be indicative of their service at all. Most of the customer reviews on other online review sites are overwhelmingly positive.

Frequently Asked Questions

How does Sky Blue Credit Repair work?

Sky Blue 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 to clean up your credit report and potentially have a positive impact on your credit score.

How can I get started?

You can visit Sky Blue Credit online and simply 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 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 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 that has been placed on your report, including the items mentioned above can be deleted. 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, a negative item that was recently deleted may be verified by the creditor. The Fair Credit Reporting Act requires that the credit bureaus inform you before they re-report a previously deleted listing.

They also have a limited time of 5 days to re-report the item once it’s been removed, after that it is a violation of the FCRA. The FCRA makes it difficult for the 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.

If you’re concerned about budget, Sky Blue Credit offers great credit repair service at a lower monthly price. 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 business. If you check all the review sites, you will see that most of the customer reviews are very positive. You will also see that many of their past clients have improved their credit scores by up to 100 points.

thumbs up

Where is Sky Blue Credit Repair located?

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

How much does it 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; if you live together and pay together, you are invited to sign up as a couple.

What is Sky Blue’s phone number?

Sky Blue can be reached at (888) 906-13251 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 whenever you feel like there is nothing else Sky Blue can do for you, give them a call to let them know that you would like to cancel and you won’t be billed further.

Compare the Top Credit Repair Companies

Check out our other credit repair company reviews and choose the one that is right for you.