Personal Loans
How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

2023 Sky Blue Credit Repair Review

Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It may not have been reviewed, commissioned or otherwise endorsed by any of our network partners.
 Our verdict: Sky Blue Credit offers quick turnarounds for credit report disputes. While it lacks flexibility when it comes to the types of plans it offers, its pricing is competitive compared to other credit repair companies.

Founded in 1989, Sky Blue Credit is a credit repair company, meaning it works with consumers to improve their credit, typically by disputing incorrect negative information on credit reports. You can repair your credit and submit disputes yourself for free, though if you would rather have an organization advocate for you, you can hire companies like Sky Blue Credit.

  • Quick dispute timeline: Sky Blue Credit tries to move customers through the credit-dispute process within 35 days, which it claims is faster than other competitors. Typically, credit dispute investigations can take between 30 and 45 days.
  • Money-back guarantee: If you’re not happy with Sky Blue Credit’s results, you can get a refund within 90 days of enrollment.
  • Offers credit coaching: If you have any questions on issues related to your credit — such as applying for new credit — Sky Blue Credit offers guidance on managing your credit.
  • Only offers two plans: Unlike some other credit repair companies, Sky Blue Credit only offers two packages: one for individuals and one for couples.
  • No monthly credit monitoring: Unfortunately, Sky Blue Credit does not offer monthly credit monitoring services like other credit repair companies do.

Sky Blue Credit pros and cons

While Sky Blue Credit offers benefits to its customers such as a money-back guarantee, it’s not without its pitfalls.


  90-day money-back guarantee

  Credit coaching services

  35-day credit dispute timeline

  No monthly credit monitoring

  No mobile app available

  Only offers individual or couples plans

Sky Blue Credit seeks to wrap up credit disputes within 35 days so its customers can see faster results. It also provides credit coaching services, which you can use if you’re seeking guidance on how to improve your credit score or take out new credit. Unhappy customers can get their money back within 90 days of signing up with Sky Blue Credit.

However, while some credit repair companies offer tiered plans and prices, Sky Blue Credit only provides individual or couples plans, which can restrict you. This company also doesn’t offer credit monitoring services, which generally make tracking your progress much easier.

Sky Blue Credit features

Sky Blue Credit doesn’t just offer credit report disputes. It offers an entire host of services designed to help you improve your credit:

  • Detailed analysis of your credit report
  • 35-day credit report dispute timeline
  • Customized dispute letters
  • Statute of limitations research on your debts
  • Assistance in raising your credit score
  • Credit rebuilding support
  • Access to credit coaching sessions
  • Debt validation letters for collections
  • Goodwill letters to creditors
  • Cease and desist letters
  • Free identity theft consultations
  • Debt settlement consultations

Sky Blue Credit costs


Sky Blue Credit is split into two types of plans: individual or couple packages. You do not need to be married to qualify for a couples plan.

Type of planIndividual planCouples plan
One-time setup fee$79$119
Monthly fee$79$119

How Sky Blue Credit works

To access Sky Blue Credit’s services, you can apply on the company’s website.

Fill out an application

When you complete a Sky Blue Credit application, you’ll need to provide your personal information such as your address, phone number and billing information. Filling out a Sky Blue Credit application will not impact your credit score.

Credit report review

Once you submit your application, Sky Blue Credit will get you access to your credit reports, which also will not harm your credit score. Sky Blue Credit can then go through your credit history “line by line” and look for opportunities to dispute errors or negative incorrect information that could improve your credit score. The company can also provide you with other options that can help improve your credit.

Dispute process

If Sky Blue Credit finds any errors on a credit report, the company will submit challenges to the credit bureaus. If the incorrect information isn’t fixed, the company can resubmit disputes.

If you don’t wish to continue with Sky Blue Credit’s services, you can cancel your membership at any time without paying any fees.

How Sky Blue Credit compares to other credit repair companies

Even if you believe Sky Blue aligns with what you’re looking for, it never hurts to shop around. Here’s how Sky Blue stacks up against similar companies.

How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
Credit repair companySky Blue CreditCredit SaintThe Credit People
One-time setup fee$79 to $119$99 to $195$19
Monthly fee$79 to $119$79.99 to $119.99$79 per month or a $419 flat rate fee
Types of plans
  • Individual plans
  • Couples plans
  • Credit Polish
  • Credit Remodel
  • Clean Slate
  • Standard monthly plan
  • Standard flat rate plan
Maximum number of monthly disputesNot disclosedNot disclosedUnlimited
Features (may depend on individual plan)
  • “Line by line” credit report analysis
  • 35-day credit report challenges
  • Individualized dispute letters
  • Evaluation of statute of limitations on your debt
  • Credit score improvement support
  • Credit rebuilding assistance
  • Credit coaching sessions
  • Debt validation letter templates
  • Creditor goodwill letters
  • Cease and desist letters
  • Identity theft consultations
  • Debt settlement consultations
  • Credit report disputes to bureaus (depending on plan)
  • Credit score tracking
  • Credit score analysis
  • Creditor interventions
  • Inquiry targeting
  • Unlimited credit report challenges (all three bureaus)
  • Credit score analysis
  • Creditor interventions
  • Before and afters of your credit score
  • Credit score monthly updates
  • Individualized credit goals
Bottom lineSky Blue Credit does not offer much flexibility when it comes to plan types, unlike companies like Credit Saint. However, Sky Blue Credit makes up for it in its variety of extra services and competitive rates.Out of the three, Credit Saint charges the highest setup fee. However, it offers the widest flexibility when it comes to the types of plans. Its monthly pricing is similar to what Sky Blue Credit offers.The Credit People offers the smallest setup fee out of the three companies. Like Sky Blue Credit, it only offers two plan options: a month-to-month service or a flat-rate plan that covers six months of credit repair services.

How to shop for a credit repair company

When shopping around for a credit repair company, you’ll want to compare the following details to make sure you find a company that meets your credit needs. Keep in mind, however, that many of the services credit repair companies offer can be done by yourself at no cost.

  • Setup fees: Credit repair companies legally can’t require advanced payment, but most companies may charge a setup fee once you sign up for services. Compare initiation fees to find a price that best works for you.
  • Monthly fees: While the credit repair company works to improve your credit, it may charge a monthly fee for its services. Compare the company’s monthly fees to the services it offers to decide whether the price is worth it to you.
  • Services offered: Examine whether the company offers a wide variety of services for its price point. Compare companies’ features to see which organization may best fit your needs and goals.
  • Transparency: A trustworthy credit repair company will be transparent about your rights as a consumer when it comes to working with a credit repair company. These types of companies must follow the Credit Repair Organizations Act.
  • Free consultations: A free consultation can help you gauge whether you want to work with a credit repair company or not. Beware of predatory sales practices such as getting pressured into signing a contract or promises to remove correct but negative information on your credit report.
  • Contracts: When signing up with a credit repair company, it’s important to get your rights, services and fees in writing. Carefully read over anything you may have to sign.
  • Regulatory violations: Before hiring a credit repair company, research if the organization has violated any federal laws or has a history of customer service complaints with the Consumer Financial Protection Bureau (CFPB).

Alternatives to credit repair companies

With high fees and monthly costs, credit repair companies are not for everyone. Instead, you can consider one of the following alternative routes for credit restoration.

  • Repair your credit yourself: Credit repair can be done by yourself at no cost. You can pull your credit reports for free at The CFPB provides credit dispute sample letters you can send to creditors and credit bureaus should you find errors.
  • Credit counseling: A credit counselor is a financial professional that works directly with consumers to help manage money, including debt. While working with a credit counselor may not directly impact your credit, as you pay off your debts, your credit utilization ratio may decrease, causing your credit score to increase.
  • Debt consolidation: If you’re struggling to juggle multiple debts and your credit utilization ratio is high, debt consolidation can help you manage these debts. This can help improve your credit as your credit utilization ratio decreases. However, if you take out new credit, your creditor may run a hard credit pull, which can cause your credit to go down temporarily by a few points.

Frequently asked questions

As of February 2022, Sky Blue Credit does not have any regulatory violation lawsuits, though this doesn’t necessarily mean that Sky Blue Credit is a reliable company. Since 2020, the CFPB complaint database has registered nine consumer reports regarding Sky Blue Credit.

Sky Blue Credit can only dispute late payments on your credit report if they were incorrectly recorded on your credit report. However, if you really did miss a payment to a creditor, Sky Blue Credit can’t remove it from your credit report.

Yes — credit repair companies can help you improve your credit score by challenging incorrect, negative items on your credit report. Some companies may also offer budgeting and credit educational tools that can help as well. However, keep in mind that many of these services can be done yourself, for free.


Get personal loan offers from up to 5 lenders in minutes