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Sky Blue Credit Repair Review: All You Need to Know

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Sky Blue Credit Repair Review: All You Need to Know

Sky Blue is a credit repair service since 198‪9. The company has an A+ rating with the BBB and very encouraging feedback posted by real customers, and an excellent 4.27/5 average for customer reviews. So what does it have to offer? In our review, we'll guide you through the most common credit repair solutions offered by Sky Blue Credit Repair and how they work to enhance your credit score.


90-Day money-back guarantee
Excellent customer support
A+ BBB rating and 4.25/5 customers rating


Doesn't offer credit monitoring

Quick Stats

BBB Rating
Customer Service
live chat, phone calls, FAQs, and free consultation
Initial Fees
Money-back guarantee
Monthly Fee

Why Did We Choose Sky Blue Credit Repair

In short, here's why we chose Sky Blue Credit Repair to be on the best credit repair companies list:
1. A+ rating with BBB
2. A generous 90-day money-back guarantee
3. Excellent 4.27/5 average for customer reviews
4. Very good and responsive customer support
5. Fast, efficient, and worry-free solutions

Customers left great opinions on the company's transparent plans, prices, and most reviews describe its customer support team as friendly and highly responsive. The company went the extra mile by offering a 3-month money-back guarantee, making it a very convenient option.

How Does Sky Blue Credit Repair Work?

Sky Blue Credit Repair raises your credit score by ensuring that your credit report doesn't have any incorrect information. The company helps you rebuild your credit history and get rid of negative marks on your credit history to improve your rating.

How does Sky Blue get it done? Sky Blue Credit Repair starts with getting copies of your reports from the three major credit bureaus: Experian, Equifax, and Transunion, then it begins the dispute process. 

Sky Blue Credit Repair goes through your credit report and flags items for your dispute. Then, it will submit dispute letters on your behalf. The dispute letter tells the credit bureaus that the incorrect items need to be removed from your report.

The items that can be removed from your report include:

  • Bankruptcies
  • Student loan debt
  • Late payments
  • Judgments

To get started with Sky Blue Credit Repair, you need to go through 3 steps to signup. The first step is to fill out the basic information (first name, last name, physical address, mobile number, and email address). Then, there is the payment information step to add the payment method you want to use. The last step is to get started with your best financial plan.

Sky Blue Credit Repair Services

After signing up and completing the enrollment, clients will have their accounts and access to a user-friendly online portal to communicate with the company, pause their membership, choose the billing date, update information, and track their progress.

If you're a Sky Blue Credit Repair customer, you might be interested in taking a look at the following advantages:

Pro analysis, custom dispute, faster process

When you start with Sky Blue Credit Repair, the company provides you with a detailed analysis of your credit report. The analysis helps spot issues that can be disputed. Some issues might be hard to spot, like having more than one collector reporting the same debt.

Also, Sky Blue Credit Repair flags situations that need special care, especially since some collectors put more collection effort upon receiving the dispute letter. That's why it's better to approach them with a debt validation letter.

A faster dispute is one more advantage of choosing Sky Blue; they dispute 15 items, five items per bureau, every 35 days, which is at least ten days faster than many other companies with 45-day cycles.

Sky Blue, unlike many credit repair companies, doesn't send the same dispute letter over and over again. Instead, it customizes the letter to get the best value possible based on each situation and the procedures employed by the credit bureaus.

State Statutes of Limitations (SOL research)

The statute of limitations gives the credit repair service a chance to discuss certain disputes before contacting the collectors. The SOL puts a limit on the time duration a collector can sue you. If you have a collection within the SOL timeframe, Sky Blue flags it and discusses it with the customer before further steps.

The SOL is calculated based on the state and the debt type, while most state debts, like credit card debts, are as short as three years, making it easier to determine the clock-start date.

Score assistance

In some cases, it might take more than disputes to raise your credit score. You might notice that your credit report looks great, but your credit score isn't better. To improve your credit score, you'll need to redistribute or repay balances; similar small adjustments can result in a noticeable change in your credit score.

Besides reworking your credit score, you can choose to rebuild it by opening multiple active accounts, but the trick is to choose secured credit cards with a reasonable rate and fee structure. Many customers choose secured credit cards to rebuild their score, as they are easy to get and won't get denied.

Couples discount

Sky Blue Credit Repair offers a discount for couples that enroll in its financial solution to repair credit. Also, couples don't have to be married to take advantage of the couples discount.

How Much Does Sky Blue Cost?

For $79 per month, you get everything that Sky Blue Credit Repair offers. The company has special plans for certain cases. However, they are hardly ever needed by customers. Couples pay $119 per month after deducting the couples' $39 per month discount. And while the majority of credit repair companies require initial fees, Sky Blue Credit Repair doesn't require any extra fees for credit reports, enrollment, or credit card monitoring.

Customer Support


Sky Blue is known for its excellent customer support that is both responsive and knowledgeable; they are available via multiple communication channels, including live chat and phone calls, or you can just choose to fill out the free consultation form with your full name, email, state of residence, and mobile number. Then click on the "Submit" button and allow a representative the time to call you back and discuss your credit card score and what needs to get repaired. You might also ask about the estimated cost and the suitable financial solutions for your credit score.

The education center helps you know more about the service in detail through credit repair tutorials, credit score tutorials, credit tips, a how-to guide, and a blog section where you can find 20 pages of articles on almost every possible issue you want to read through.

Last Thoughts

Sky Blue stands out with excellent customer support and a 90-day money-back guarantee that many credit repair companies do not offer. What customers appreciate the most about it is the transparent price and criteria, no surprises, and no extra fees. Furthermore, Sky Blue doesn't include solutions that you might not need. Instead, it has special plans for certain situations.

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