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Sky Blue Credit Repair Review

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If you have damaged credit, you may have sought out ways to repair it. Those who have the time to educate themselves on credit repair can clean up inaccurate line items by themselves without paying anyone a fee. However, if you have time constraints — or if you don’t feel confident in your own abilities — and find yourself turning to a credit repair company, Sky Blue Credit offers some fair pricing.

Sky Blue credit repair services

Sky Blue credit repair details
What it offers Identifies and disputes erroneous accounts on your credit report, in addition to services that are typically provided by a credit counselor, like debt settlement and negotiation.
One-time review/setup fee $79
Monthly fee $79
Typical program duration 6 months

Credit repair companies are often looked at with a great deal of skepticism, and with good reason. If you want to repair your credit by disputing inaccurate or duplicate line items on your credit report, you are able to do so on your own, without paying a credit repair agency.

There are some credit repair companies with a reputation for following regulations, though — Sky Blue Credit is one of them. Unlike many of its competitors, it charges one flat fee for access to all of its services, rather than setting up access in tiers.

The initial setup fee will be charged six days after you enroll, followed by a monthly fee that will be charged every 30 days thereafter until you pause or cancel services. If you have a partner with whom you live, you can sign up for services together; your partner will receive 50% off.

How Sky Blue credit repair works

  • Provide personal identifying information: To use Sky Blue’s credit repair services, you will first need to enroll by providing some basic personal information, such as your name and address. You will also need to consent to your credit report being obtained and monitored via third-party providers, and provide payment information.
  • Review and dispute: After your credit reports come back, Sky Blue will analyze them and identify any potential errors. They will then send out dispute letters for confirmed errors, claiming the first round of letters will go out about a week after you’ve enrolled.
  • Potentially see results: If the first round of dispute letters are successful, you should start to see erroneous hits coming off your credit report within the first five to six weeks. However, it is possible that the first round of letters will not be successful. Sky Blue will then send a customized follow-up letter to the credit bureaus to continue disputing inaccurate line items on your report.
  • Assess your satisfaction: Sky Blue is unique in that it offers a 90-day money back guarantee if you’re dissatisfied with the services you’ve received. At the 90-day mark, you would hope to have seen at least some results, though Sky Blue notes that its average member uses its services for about six months.

Sky Blue credit repair highlights

Score assistance: In addition to disputing credit report errors, Sky Blue provides personalized recommendations that can help you build or rebuild your credit and make improvements to your score, such as distributing your debt more evenly among existing lines of credit or opening up a secured credit card. Sky Blue says it does this without affiliate relationships or profit.

Debt validation letters: When someone sends a collection letter, you have 30 days to send a request for debt validation, which requires the collector to provide proof that the debt is actually your legal responsibility. These are most commonly used in situations where you don’t think the debt is yours, but Sky Blue notes that you have to be prepared to pay if the debt is indeed validated, and says that it sends these letters only after communicating with you.

Goodwill letters: Sky Blue also sends goodwill letters on your behalf. Goodwill letters are used when the negative line item on your credit report happened due to extenuating life circumstances. The letter requests that the line item be removed, but removal is only possible as a courtesy from the lender or debt collector.

Cease and desist letters: If creditors are coming after you illegally — perhaps after the expiration of your debt’s statute of limitations, or in an attempt to secure money for a debt you do not legally owe — you can send a cease and desist letter. Sky Blue sends these for you only after considering multiple variables, acknowledging that sending a cease and desist letter can leave you vulnerable to lawsuits if the debt does turn out to be your legal responsibility.

Debt settlement and negotiation: Sky Blue does offer its members consultation on debt settlement and negotiation, though these actions can have negative impacts on your credit report. As suggested by the Consumer Financial Protection Bureau (CFPB), you should look out for organizations recommended by the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA) to guide you through the process — however, Sky Blue has not been recognized by these organizations as a member agency.

Signing up for Sky Blue credit repair

To sign up for Sky Blue credit repair, you will need to provide the following information: Name, address, phone number, email, billing information and Social Security number.

Once this information is submitted, your credit reports will be pulled. From there, Sky Blue will identify items which look disputable, sending out letters. At this point the credit bureaus will have 30 days to process the dispute. If the item is not removed from your credit report, Sky Blue will file another round of dispute letters.

Pros and cons of Sky Blue credit repair
Pros Cons
  • Low price: Relative to other credit repair companies, Sky Blue Credit charges a less for their services with one, simple all-inclusive package.
  • Cancel at any time: You can cancel your monthly subscription at any time by calling, emailing or messaging Sky Blue through its website.
  • Added services at no cost: Sky Blue offers additional services like goodwill letters and cease and desist letters. It does so without charging you an additional premium, as many other credit repair companies do.
  • No affiliate referrals: Sky Blue isn’t compensated to show you specific products, which would indicate their referrals are not built with the intent of monetary gain.
  • Debt settlement services without NFCC or FCAA recognition: While not Sky Blue’s primary service, it does offer debt settlement services. However, the effects of debt settlement on your credit are complex and can be negative.
  • Results aren’t guaranteed: No credit repair company can guarantee an outcome. To its credit, Sky Blue is upfront and transparent about this fact in their marketing.
  • You could do this yourself: You don’t need to hire a professional to fix your credit. With enough research, you could attempt to do this yourself and dodge the monthly fee altogether.

Is Sky Blue credit repair worth it?

Sky Blue is transparent and honest about their services, which are priced just below those of the competition. Sky Blue’s fee isn’t tiered, either, providing you with more services at a lower price point.

If you are going to use a credit repair service, Sky Blue does provide value. Just be vigilant in understanding the actions it takes on your behalf, remembering that it is not a nonprofit, like you would find with an NFCC- or FCAA-accredited counseling agency. In addition, remember that you could perform many of the tasks Sky Blue credit repair completes on your own.

Sky Blue FAQ

Is Sky Blue credit repair legit?

Yes. Sky Blue has been in business since 1989. While you should always critically evaluate any credit repair services, Sky Blue Credit does not have the shady reputation other companies in this industry sometimes merit.

How long does it take to repair your credit with Sky Blue?

While you may see initial results within 5 to 6 weeks, Sky Blue credit repair says its average customer ends up using its services for six months.

Does Sky Blue offer a guarantee?

Yes. If you are dissatisfied for any reason within the first 90 days, you can request 100% of your money back.

Where do I access the Sky Blue credit login?

You can access the Sky Blue Credit login on its website.

How do I cancel Sky Blue credit repair?

You can cancel at any time via phone, email or in your Sky Blue Portal after logging in.

What is the contact information for Sky Blue?

Sky Blue Credit can be contacted by phone at (800) 790-0445 or (561) 613-6001. You can also get in touch using this contact form.

Does Sky Blue Credit Repair remove late payments?

In some cases, yes, Sky Blue Credit removes late payments. If a creditor has inappropriately reported a negative line item — like a late payment — Sky Blue Credit will attempt to dispute it with the credit bureaus. In certain cases where a hardship may have caused a late payment which was appropriately reported to the bureaus, Sky Blue will attempt to send a goodwill letter. The outcome of either attempted remedy is not guaranteed.

Who is Sky Blue Credit Repair good for?

If you have at least $79/month in disposable income and know you won’t take the time to learn how to fix your credit yourself, you may be a good candidate for Sky Blue Credit. However, remain aware that nonprofit credit counselors are also available to help, and tend to have a better reputation than those in the credit repair industry.


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