Sky Blue Credit Repair Review 2023

Ad Disclosure: This article contains references to products from our partners. We may receive compensation if you apply or shop through links in our content. You help support My Millennial Guide by using our links. (read more)

This Sky Blue Credit Repair review includes everything you need to know if you want to dispute a negative item on your credit report to improve your credit score.

Bottom Line:

Sky Blue Credit is a credit repair company that helps individuals improve their credit scores by disputing negative items on their credit reports. The company offers a range of services, including credit report analysis, dispute resolution, and credit monitoring, to help its customers improve their credit health. It is based in Boca Raton, Florida, and has been in business since 1989.
Sky Blue Credit
4.0

Sky Blue Credit is a credit repair company that helps individuals improve their credit scores by disputing negative items on their credit reports. The company offers a range of services, including credit report analysis, dispute resolution, and credit monitoring, to help its customers improve their credit health. It is based in Boca Raton, Florida, and has been in business since 1989.

Open Account

Over 25% of people who sign up for credit repair services report an improvement of 100-149 points. While these results are no guarantee that your credit score can improve by 100 or more points, working with a credit repair agency can potentially help you gain peace of mind that your credit report is accurate.

Credit repair agencies number in the hundreds across the nation, but Sky Blue Credit Repair sets itself apart as one of the oldest agencies to work with consumers to improve their credit reports and, by extension, their credit scores. In addition to a lengthy history, Sky Blue Credit Repair incorporates many valuable services into a single monthly fee. 

Our in-depth guide on Sky Blue Credit Repair includes everything you need to know to evaluate this service. You may find that you weren’t looking for a credit repair agency but are curious enough to pursue it further for peace of mind. 

In addition to reviewing Sky Blue Credit Repair, we’ll also cover what you can expect from competitors. This can help you make the best decision for your budget and needs if you find you need the help of a credit repair agency. 

Are you ready to dive into our Sky Blue Credit Repair review? Let’s get started!

What is Sky Blue Credit Repair

If you’re not sure how to improve your credit score and need a reliable, knowledgeable partner, Sky Blue Credit Repair can help you take on your credit report and dispute any negative items. Their experts guide you in the dispute process and advise you along the way. 

Sky Blue Credit Repair is a financial services firm that analyzes your credit report from top to bottom. Experts identify what negative items you can potentially dispute to have them removed from your credit report. 

It’s important to note that Sky Blue Credit Repair can only help you remove inaccurate items from your report. Should the information within it be accurate, Sky Blue Credit Repair cannot help you. 

The firm was founded by James and Steven Kemish in 1989 and calls Florida home. Sky Blue Credit Repair also comes with a 90-day money-back guarantee that has practically set the industry standard for competitors. 

While Sky Blue Credit Repair will file disputes for you with all three credit bureaus, it cannot guarantee results. It all depends on what is on your credit report and if it is accurate or not. 

Related: If it’s your credit score you’re worried about, here are lists of the best credit score apps you can use, along with the best credit-building apps that can help you add to your credit report.

How Does Sky Blue Credit Repair Work

Signing up with Sky Blue Credit Repair is easy. All you have to do is create an account and input your personal information, just like you would with any other app these days. 

Once you sign up, a Sky Blue Credit Repair agent contacts you shortly after. They walk you through the process of pulling your credit reports from all three bureaus, as you’re the only one who can request them without incurring a hard credit check. 

Sky Blue Credit Repair then peruses your report line by line to pick out which accounts and entries you can potentially dispute. The agency will also advise you on how to boost your score and how to build credit responsibly. 

You can also consult with a Sky Blue Credit Repair representative for free to see what they can offer you. Sometimes all it takes is a debt settlement consultation to help you make the most of paying off loans that could be negatively affecting your credit report and score. 

Sky Blue Credit Repair also offers several other credit education resources, in addition to a free monthly credit report you can use to track your progress. If you want to cancel your account, you can call or email Sky Blue Credit Repair to do so. 

However, you can also pause your account for a few months without having to cancel. That way, if something comes up again on your report or you need to take further action, you don’t have to pay the origination fee again. 

Sky Blue Credit Repair Features

While most consumers turn to Sky Blue Credit Repair if they have poor credit or want to address errors on their credit report, you can also use them to gain peace of mind.

It’s often a good idea to consult a credit repair agency such as Sky Blue Credit Repair before obtaining a mortgage or loan to (a) know your credit score, (b) know what’s on your credit report, and (c) identify and resolve any errors before they can negatively impact your ability to qualify for a loan. 

Signing Up

As we mentioned, signing up with Sky Blue Credit Repair is as easy as entering your name, email, physical address, and a few other personal details. You’ll also need to enter your billing information to pay for the service. 

You may also need to verify your account before it’s completely set up. You’ll then be invited to an online dashboard that lets you communicate with Sky Blue Credit Repair experts, pause your membership, update your information, choose your billing date, and, ultimately, track your progress. 

Review Process

Sky Blue Credit Repair disputes up to 15 items every 35 days on your behalf. That’s five disputes per credit bureau. 

Many people prefer working with Sky Blue Credit Repair because they offer a customized dispute process and update you along the way. You’ll know when each round of dispute letters goes out and what action has been taken, if any. 

The credit bureaus are legally entitled to 30 days before they have to respond. However, most people who work with Sky Blue Credit Repair see an improvement in their credit report and score within 30 days. 

Pricing

Most people wonder how much credit repair costs. But fees couldn’t be any more transparent with Sky Blue Credit Repair. You’ll pay an initial setup fee of $79 or $119, depending on whether you sign up alone or as a couple. 

Couples don’t have to be legally married to sign up. You’ll receive a hefty discount if you sign up with your partner, as the individual fee is $79 and the couple’s fee is $119. 

These prices are comparable with what you’ll find across the industry, as you’ll see in our comparison section below. In addition, Sky Blue Credit Repair doesn’t upsell you on any other services along the way so the fee you see is the fee you pay.

Debt Validation 

Sometimes removing negative items from your credit report can be done by validating your debt first. This unique service is included in your monthly fee and allows Sky Blue Credit Repair to send custom letters asking creditors to validate your debt. 

“Why would I want to validate the debt I already know I owe?” you might ask. This act requires creditors to produce proof of your debt or otherwise write it off altogether. 

Sky Blue Credit Repair will also write customized goodwill letters asking creditors to remove a negative item from your report, sometimes without paying anything toward the debt. You can also partner with Sky Blue Credit Repair to send out cease and desist letters that politely ask creditors to quit their collection efforts. 

These cease and desist letters often prompt further legal action (read: suing) on the creditor's behalf. That’s why it’s a good idea to have Sky Blue Credit Repair at your side to deal with these legal matters should they require further attention. 

Sky Blue Credit Repair Pros and Cons

Like your credit report, hiring a credit repair agency requires both a macro and a micro view of the situation. Here’s a list of the pros and cons associated with working with Sky Blue Credit Repair. 

Pros: 

  • In-depth analysis of your credit report
  • Experts can help identify viable candidates for credit repair 
  • Dispute up to 15 items every 35 days
  • Valuable credit insights
  • Transparent pricing
  • Free consultations 

Cons:

  • No app bonus for signing up 
  • No credit score monitoring 
  • A limited number of dispute letter types
  • No mobile app
  • Not available via live chat
  • Not BBB accredited

Sky Blue Credit Repair Alternatives

The credit repair industry is full of several well-known companies, including those listed below. While they may offer similar services to Sky Blue Credit Repair, it’s often a look at the bigger picture that gives more meaning to this credit repair agency. 

Don’t take our word for it. Check out Sky Blue Credit Repair’s competitors below to see how they stack up in your eyes. 

Credit Saint

Before you go picturing a holy man holding your credit report in his hands, know that Credit Saint offers a similar 90-day money-back guarantee, not unlike that offered by Sky Blue Credit Repair. Credit Saint also charges similar monthly fees. 

Depending on which package you choose, you’ll pay anywhere from $79.99 to $119.99 per month, with a $99-$195 setup fee. Credit Saint offers the Clean Slate, Credit Remodel, and Credit Polish accounts tailored to your needs. 

Like Sky Blue Credit Repair, Credit Saint sends notices to all three credit bureaus. Additional features include Experian credit monitoring, a credit score tracker, creditor interventions, and inquiry targeting. 

Credit Saint
4.5

Credit Saint, a New Jersey-based company with over 15 years of experience, specializes in credit restoration for individuals. With a solid reputation supported by positive customer reviews and ratings, the company's skilled representatives handle credit score cases individually, thoroughly examining credit reports for inaccuracies and unverifiable information. Customers can track their progress in real time through the online portal, and if no changes are made within the 90-day money-back guarantee period, a full refund is offered. Additionally, Credit Saint provides educational content to enhance personal finance knowledge and promote a journey towards good credit.

Get Free Consultation

Lexington Law

If a team of licensed lawyers sounds valuable enough to pay $99.95 to $139.95 per month, Lexington Law could be your new credit report partner. This service does charge a setup fee of $89.95 to $129.95, depending on which features you choose. 

Like the credit repair agencies we’ve already mentioned, Lexington Law disputes your report with all three bureaus if necessary. You’ll get complimentary credit monitoring with select accounts and the chance to escalate disputes legally if necessary. 

CreditRepair.com

As the name suggests, this site helps you repair your credit report for a fee. CreditRepair.com charges a setup fee of $69.95 to $119.95 but it’s one of the most affordable credit repair agencies out there. 

This generalized approach to credit repair, however, can often give you what you pay for. Service isn’t as personalized, even though you’ll have the chance to file disputes with all three credit bureaus. 

However, CreditRepair.com does offer a free credit improvement plan and credit score summary. There are three different service tiers to choose from and the monthly fee ranges from $69.95 to $119.95. 

The Credit Pros 

Founded in 2009, The Credit Pros are still new to the scene but offer affordable rates and credit monitoring services. This credit repair agency also offers a 90-day money-back guarantee that’s nearly become the industry standard. 

Monthly fees for The Credit Pros range from $69 to $149 depending on which services you want. The initial fee of $119 to $149 can be steep but you can cancel and get a full refund within five days of signing up. 

The Credit Pros allow you to send out an unlimited number of disputes. They also offer a free consultation.

FAQs

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

Sky Blue Credit Repair can remove inaccurate late payments, student loan debt, judgments, and bankruptcies. However, there is no guarantee they can remove these items. 

Does Sky Blue Credit Repair offer a free trial? 

No, Sky Blue Credit Repair does not offer a free trial. You will be charged for your setup fee after six days of signing up and you can take advantage of the 90-day money-back guarantee if you’re not satisfied. 

Is Sky Blue Credit Repair legitimate? 

Yes, Sky Blue Credit Repair is legitimate. It offers real customers real ways to improve their credit reports and establish better financial habits. 

Are credit-building apps and credit repair services the same? 

No, credit-building apps and credit repair services are not the same. The former helps you build credit with new revolving lines of credit and installment loans, while the latter repairs entries already made to your credit report. 

These types of services are also in contrast to credit monitoring apps, which help you monitor your score in case of an error or identity threat. As you can see, there are many apps you can use to handle your credit. 

Blue Skies Ahead for Your Credit Report

Sky Blue Credit Repair has helped hundreds if not thousands of consumers like you and me repair their credit reports for higher credit scores and more accurate financial histories. Though Sky Blue Credit Repair isn’t the only credit repair agency available, it’s one of the oldest and most experienced agencies you can work with. 

We hope this review of Sky Blue Credit Repair has helped you to decide if you should pursue credit repair with this agency. Diving into your credit report can be scary, especially if you’re not sure how to talk to your creditors to have them remove inaccurate information. 

With Sky Blue Credit Repair at your side, you can rest easy that your credit report is accurate. This gives you more time to focus on what you could be doing with that newfound credit report and score. 

Sky Blue Credit
4.0

Sky Blue Credit is a credit repair company that helps individuals improve their credit scores by disputing negative items on their credit reports. The company offers a range of services, including credit report analysis, dispute resolution, and credit monitoring, to help its customers improve their credit health. It is based in Boca Raton, Florida, and has been in business since 1989.

Open Account
Best for luxury benefits
The Platinum Card® from American Express
5.0
INTRO OFFER: Earn 80,000 points (worth $1,600)
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Apply Now

About the author

Brian Meiggs
Hi, I'm Brian Meiggs! A personal finance expert, entrepreneur, and the founder of My Millennial Guide. My drive is to help others unlock the wealth of freedom and pave the path to financial success. With my bachelor's degree in finance, I help millennials follow the smart money in order to increase their earning potential and start building wealth for the future. I write regularly about side hustles, investing, and general personal finance topics aimed to help anyone earn more, pay off debt, and reach financial freedom. I have been quoted in major publications including Business Insider, Yahoo Finance, NASDAQ, Discover, GoDaddy, BiggerPockets, Fox News, Debt.com, Quick Sprout, Money Geek, MSN Money and many more!
Sky Blue Credit is a credit repair company that helps individuals improve their credit scores by disputing negative items on their credit reports. The company offers a range of services, including credit report analysis, dispute resolution, and credit monitoring, to help its customers improve their credit health. It is based in Boca Raton, Florida, and has been in business since 1989.Sky Blue Credit Repair Review 2023