Sky Blue Credit Review
Sky Blue Credit disputes negative items affecting your credit. It has been around for decades, but is it any good? Find out in this review.
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Get Started on Your Credit Repair | |||
Overall Score | 4.2 | ||
Monthly Fee | 4.0 | ||
First Work Fee | 3.5 | ||
Credit Bureau Disputes | 5.0 | ||
Creditor Interventions | 5.0 | ||
Credit Score Update | 5.0 | ||
Credit Building Tools | 3.0 | ||
Money Back Guarantee | 5.0 | ||
Identity Theft Protection | 3.0 | ||
Pros and Cons
- As low as $60/month for one person
- 90-day Satisfaction Guarantee
- Pause or cancel anytime
- No credit monitoring
- Limited customer support
Bottom Line
Affordable credit repair service that can help you apply for a home loan
Sky Blue Credit has decades of experience in credit repair. It has helped thousands of customers and offers package discounts for its services.
However, it lacks some features, like credit monitoring, that other credit repair companies offer. This means you may need to spend extra to track real-time changes in your credit reports.
So, how do you know if it's worth trying? Read on for the full review.
What is Sky Blue Credit?
Sky Blue Credit is a company with experienced professionals disputing inaccurate and outdated items in your credit reports. Credit repair packages range from $79–$99 every month for individuals.
The company has been offering credit repair services for more than 3 decades. It was founded in 1989, with its headquarters in Boca Raton, Florida.
In addition, Sky Blue Credit's specialty is mortgage preparation. So, if you're buying your first home or looking to refinance your mortgage, Sky Blue Credit can provide support and guidance.
There is no formal accreditation for credit repair companies, so it's best to assess Sky Blue Credit's credibility based on ratings and reviews. In general, positive reviews praise Sky Blue Credit's effective disputes, while the most common complaints involve Sky Blue Credit's slow response and poor customer service.
Who Is It Best For?
You can use Sky Blue Credit's services if:
- You have many negative items in your credit report.
Professionals will dispute items that are causing your credit to drop, helping you improve your credit reports gradually. - You're planning to purchase a home.
Sky Blue Credit is ideal if you're preparing your credit to purchase your home or replace your existing home loan.Professionals can help optimize your credit reports, helping you qualify for lower-interest loans and more flexible terms.
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
That said, Sky Blue Credit is not for everyone. Here's why.
Who Should Skip Sky Blue Credit?
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Sky Blue Credit isn't ideal if you have a tight budget. You'll need to set aside at least $79/month for a minimum of 6 months to see significant improvements. It can get expensive. You may accumulate large fees over time.
If you're set on using the credit repair company's services, here are the upsides and downsides of working with Sky Blue Credit.
Pros and Cons
Pros:
- Decades of experience in credit repair
- Offers a 90-day guarantee
- Discounted plans for couple sign-ups
- You can pause your package anytime
- Cancel anytime without penalties
- Can help you prepare to refinance your mortgage or apply for a home loan
Cons:
- No credit monitoring
- No mobile apps
- First work fees cost the same as the monthly fees
- Customer support is limited
- Not accredited by the BBB
- Fewer reviews and ratings despite longevity
How Sky Blue Credit Works
Sky Blue Credit has a simple enrollment process. You only need to fill out the enrollment form on the sign-up page, then you'll be able to get and review your free credit reports on your account.
Professionals will also review, analyze, and identify outdated, inaccurate, and unverified items from these reports. They'll even conduct a Statute of Limitation research on your accounts.
After that, professionals will send the dispute letters to Equifax, Experian, and TransUnion. If the credit bureaus don't remove the disputed items, Sky Blue Credit will re-dispute them for you.
If the process is convincing, you can pick a plan depending on the service you need.
Pricing and Fees
Sky Blue Credit offers two packages:[1]
| FULL SERVICE | BASIC SERVICE | |
|---|---|---|
| Price (per month) | Individual: $99 Couples: $149 | Individual: $79 Couples: $119 |
| Setup fee | Same as your monthly fee | |
| Three-bureau reports and scores | ✔ | ✔ |
| Credit Bureau Disputes | ✔ | ✔ |
| One-on-one consultations | ✔ | ✔ |
| Score Tracker | ✔ | ✔ |
| 24/7 Access to Client Portal | ✔ | ✔ |
| 60 Day Credit Updates | ✔ | ✔ |
| Creditor Interventions | ✔ | — |
| Inquiry Disputes | ✔ | — |
| Debt Validation Letters | ✔ | — |
| Cease and Desist Letters | ✔ | — |
| Personal Information Correction Letters | ✔ | — |
| 45 Day Credit Updates | ✔ | — |
| Credit Builder Tool | ✔ | — |
Sky Blue Credit operates on a 45-day dispute cycle and sends customized dispute letters to credit bureaus. If the dispute doesn't result in a removal, they will re-dispute your negative item.
Sky Blue Credit sends a new dispute letter to increase the likelihood of removal for items in question. You can view the progress of your disputes and review your credit reports in your online account
Basic Service Package
The Basic Service package focuses on credit bureau correspondence and disputes. Here's what you get from it:
- Pro Analysis
Sky Blue Credit will review and analyze all items in your credit report. That way, you can uncover outdated or inaccurate items or find accounts that are not yours. - 45-day Disputes
Sky Blue Credit can settle your disputed items in 45 days. If your negative item isn't removed, Sky Blue Credit can keep starting a new cycle until the item is gone. - Custom Letters
Sky Blue Credit sends customized letters for each round of dispute. They strategize for each negative item to dispute, to maximize the likelihood of removal. - Statute of Limitation (SOL) Research
Sky Blue Credit will research the SOL of your debts before disputing. If the debts are past the SOL, you have a stronger cause to remove the item from your credit report. - Score Assistance
Your credit score may not immediately improve after hiring a credit repair service. So, Sky Blue Credit helps you find ways to rework any debt balance or credit rebuilding options. - Credit Rebuilding
You can consult with Sky Blue Credit to apply for secured cards. This is particularly helpful if you plan to improve your credit and before applying for a home loan. - Coaches-on-Call
If you have questions about credit offers or loan applications, you can contact Sky Blue Credit. That way, you get all the guidance you need to make decisions that affect your credit.
Full Service Package
The Full Service package includes everything in the Basic Service. Plus, you get an additional credit builder tool and some services that focus on addressing your creditors.
- Creditor Interventions
Sky Blue Credit will correspond and communicate with your creditors to remove inaccurate items in your credit report. - Inquiry Disputes
All credit inquiries, including unauthorized inquiries, can stay in your credit report for up to 2 years.[2] Sky Blue Credit will verify these inquiries to help you spot any occurrence of identity theft or attempts to obtain credit in your name. - Debt Validation Letters
Sky Blue Credit will verify and carefully request your creditors for proof of right to collect your debts. - Cease and Desist Letters
Sky Blue Credit will send your creditor a formal notice to cease any communication with you. - Personal Information Correction Letters
If you have erroneous information on your record, Sky Blue Credit can send a request to your creditor for correction, update of record, or removal.
What Sky Blue Credit Doesn't Offer
Before you decide, you should know that Sky Blue Credit lacks:
- Monthly credit monitoring
Sky Blue Credit doesn't alert you when there are changes to your credit reports. If you want to get real-time updates, you'll need to sign up for separate credit monitoring services. - Budgeting
Sky Blue Credit lacks tools to help you build a budget or learn personal finance. To compare, Lexington Law provides a digital money manager in its app, and The Credit Pros features a debt payoff and budgeting system in your account. - Identity theft protection
While Sky Blue Credit offers a free consultation if you experience identity theft, you don't get any identity theft protection features in your account, like dark web scanning, breach alerts, or a $1 million insurance.
Despite lacking selected offerings from Sky Blue Credit, you get the following service features from Sky Blue Credit.
Sky Blue Credit Features
No matter which plan you select, the following features are available for all plans.
- No charge for 6 days
You will only be charged the setup fee 6 days after enrollment. Then, after 1 month you'll pay your package's monthly fee. - Discount opportunities
If you want to sign up with another family member or person, the Couples pricing offers a discounted rate. You get a lower monthly fee per person. - 90-day money-back guarantee
Sky Blue Credit offers a guarantee effective 90 days from the enrollment date. So if you're dissatisfied with the service, you can request a refund.[3] - Pause membership
You can contact the support team to pause your plan if you need to take a break. It can be useful if you need to temporarily use the fees for something else.
Now that you know Sky Blue Credit's services, is it worth your time and money?
Is Sky Blue Credit Worth It?
Sky Blue Credit is worth trying if you have many items that are negatively impacting your credit. The company has a track record of more than 3 decades offering credit repair services.
You also get an extra layer of protection with Sky Blue Credit's 90-day guarantee. So, you have the option to request a refund if you aren't satisfied with the service.
You get the best value with the Couples pricing for Full Service. You only pay around $75/month for each person. This means you pay for cheaper credit repair services, but you also get creditor intervention and a credit builder tool.
How to Sign Up for Sky Blue Credit
Sky Blue Credit has a simple sign-up process:
- Go to the sign-up page.
- Fill out your first name, last name, address, phone number, and email address.
- Fill out your debit card or credit card information for payment.
- Complete your SSN and date of birth. Then, click enroll.
If you're signing up with another person, don't forget to click the Couples membership!
To get started, Sky Blue Credit needs your basic details, including your name, birthday, and SSN. You must be at least 19 years old when signing up. Lastly, you need a valid debit or credit card to serve as the payment method for your account.
Is Sky Blue Credit Legit?
Yes, Sky Blue Credit is a legitimate credit repair company. It has been in the industry since 1989, disputing for thousands of clients.
In addition, the company received a A+ rating from the Better Business Bureau.[4] It also has an average rating of 4.9 out of 5 from ConsumerAffairs.[5]
Read on for some of the feedback they've received from clients.
Customer Reviews
| RATINGS SOURCE | AVERAGE RATING |
|---|---|
| ConsumerAffairs | 4.9 out of 5 ★ from over 200 reviews |
| Google Reviews | 4.3 out of 5 ★ from over 400 reviews |
Sky Blue Credit has helped several clients improve their credit. For example, Hector's credit score increased after signing up.
However, it's not all 5 stars and praises from all clients. For example, Dean's review indicates that Sky Blue Credit hasn't made any improvements despite signing up for credit repair.
Note that credit repair requires some time and effort before you see some results. Your credit is different from everybody else's credit, so results can vary.
If you encounter issues of your own, here's how you can contact Sky Blue Credit.
How to Contact Sky Blue Credit
If you have questions or want to cancel your membership, you can call the Customer Support team at (800) 790-0445 from 9 AM to 5 PM (Monday to Friday, EST).
Can't get in touch with a representative? Log in to your account or use the contact form to send Sky Blue Credit a message.[6]
Alternatives
If Sky Blue Credit doesn't fit your needs, you can choose from reliable alternatives below.
Sky Blue Credit vs CreditRepair.com
Signing up for CreditRepair.com costs a monthly fee that starts at $49.95/month. You will also need to pay a first payment that costs the same as the monthly fee.
The difference is that CreditRepair.com features credit monitoring. You can keep track of removals from your credit report in real time. You also get notifications for unauthorized activities that can impact your credit score.
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| Visit Site | Learn More | |
Get Started on Your Credit Repair - | Get Free Online Credit Assessment - | |
| Monthly Fee |
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| Credit Bureau Disputes |
| Unspecified number of disputes to three main credit bureaus |
| Creditor Interventions |
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| Credit Score Update |
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| Credit Building Tools | ||
| Money Back Guarantee | ||
| Identity Theft Protection | Includes up to $1 Million ID Theft Insurance | |
| Mobile App | ||
| Customer Service |
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| Visit Site | Learn More | |
Sky Blue Credit vs Credit Saint
Credit Saint is another reputable company in the industry. It has been around since 2004 and offers three credit repair packages, with prices ranging from $79.99 to $139.99.[7]
That said, Credit Saint is more expensive than Sky Blue Credit. However, this price range comes with credit monitoring, identity theft monitoring, and $1 million identity theft insurance.
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| Visit Site | Visit Site | |
Get Started on Your Credit Repair - | Free Credit Repair Consultation - | |
| Monthly Fee |
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| First Work Fee | ||
| Credit Bureau Disputes |
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| Creditor Interventions |
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| Credit Score Update |
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| Credit Building Tools | Personalized Guide to Building Credit (depending on monthly plan) | |
| Money Back Guarantee | ||
| Identity Theft Protection | ||
| Mobile App | ||
| Customer Service |
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| Visit Site | Visit Site | |
Sky Blue Credit vs Lexington Law
Lexington Law is one of the most aggressive credit repair companies. Lawyers who specialize in credit repair are challenging the credit bureaus on your behalf.
What's more, Lexington Law offers Focus Tracks, which are tailored solutions for unexpected events in your life.
For example, with the Divorce Focus Track, Lexington Law will prioritize accounts you share with your ex-spouse. If you are a veteran, Lexington Law will leverage laws that may be beneficial in helping you rebuild your credit.
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| Visit Site | Visit Site | |
Get Started on Your Credit Repair - | Free Online Credit Assessment - | |
| Monthly Fee |
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| First Work Fee | ||
| Credit Bureau Disputes |
| Unspecified number of disputes to three main credit bureaus |
| Creditor Interventions |
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| Credit Score Update |
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| Credit Building Tools | ||
| Money Back Guarantee | ||
| Identity Theft Protection | up to $1,000,000 coverage Identity Theft Insurance | |
| Mobile App | ||
| Customer Service |
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| Visit Site | Visit Site | |
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Bottom Line
Overall, Sky Blue Credit is a reliable company with a long track record of experience in the industry. Plus, professionals can help you prepare your credit if you want to purchase your first home.
The packages are more affordable than other companies, but you get the best bang for your buck by signing up for Couples pricing. You only end up paying an additional $40–$50 for your package.
References
- ^ Sky Blue Credit. Member Pricing, Retrieved 02/03/2024
- ^ TransUnion. Disputes and Credit Inquiries, Retrieved 02/23/2024
- ^ Sky Blue Credit. Our Guarantee, Retrieved 08/30/2024
- ^ Better Business Bureau. Sky Blue Credit, Retrieved 01/11/2024.
- ^ ConsumerAffairs. Sky Blue Credit Repair Reviews, Retrieved 02/03/2024.
- ^ Sky Blue Credit. Contact, Retrieved 02/03/2024
- ^ Credit Saint. Packages, Retrieved 02/23/2024
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Build Credit for Free
Get a Free Mastercard to pay your subscriptions and build your credit
Write to Alex Mambaje at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
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