Sky Blue Credit Repair Versus Lexington Law
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Fixing a low credit score can be tricky; discovering the best credit repair service to use can be even harder. When sorting through services and trying to determine the best one, the question of Lexington Law vs Sky Blue is often thought of. Read more about these companies below and learn which is superior: Sky Blue or Lexington Law? Find out how these top credit repair services stack up after examining everything from price to features to customer service.
- The Good
- Affordable price
- 90-day money-back guarantee
- Great Customer Service
- The Bad
- No extra services like credit report monitoring or identity theft
Sky Blue Credit Repair is the most streamlined credit repair service available. It is one of the least expensive credit repair services because it only offers the essentials of credit repair, like negotiating with lenders, legal loopholes and fixing credit report mistakes. Coupled with its 90-day money-back guarantee and excellent customer service, Sky Blue is a great choice for anyone who is looking for good, affordable credit repair without the extras you may not need. Call (888) 534-1510 for a free consultation or get started here.
Other Credit Repair Reviews
- The Good
- Multiple package options
- Credit repair lawyers on staff
- Credit monitoring and identity theft extras
- The Bad
- More expensive than other services
- Minimal guarantee
Lexington Law is one of the best credit repair companies. It offers all the bells and whistles you could need to go along with your credit repair, including credit report monitoring and identity theft protection services. Of course, just like with a Cadillac, those extras come at a price. If you are looking for the most comprehensive service and are willing to pay for it, Lexington Law is the right fit for you. Call (844) 531-3037 for a free consultation or get started here.
Other Credit Repair Reviews
- Price
- $69 per month
Sky Blue offers one of the best price points in the credit repair business. It doesn’t offer complicated pricing structures with varying extras that you may not need. There is an initial payment of $69 to start and then the service is only $69 a month after that. There is no long-term contract, so you can cancel at any time, which is great for anyone who might just want to try out Sky Blue’s services.
- Price
- $89.95 per month for basic service
Since it offers more features than other credit repair services, Lexington Law also charges more. There is an initial fee of $99.95, plus $10 to pull your three bureau credit reports. After the initial fee, it is $89.95/month for the basic plan. If you want to upgrade to include more features, the Concord Plan is $109.95/month and the Concord Premium Plan is $129.95/month.
- Features
- Fixing credit report mistakes
- Negotiating with lenders
- Exploring legal loopholes
- Good-faith letters to lenders
As we mentioned before, Sky Blue has streamlined its services to provide the essentials of credit repair without the extras you may not need, like credit repair monitoring or identity theft protection. The agents at Sky Blue know the ins and outs of credit repair law, and will take the necessary steps to get derogatory marks removed from your credit report.
- Features
- Fixing credit report mistakes
- Negotiating with lenders
- Exploring legal loopholes
- Good-faith letters to lenders
- Personal paralegal to give advice, handle account
- Credit report monitoring
- Identity theft protection
Lexington Law’s basic plan offers basic features such as fixing mistakes on your credit report, sending good-faith letters to your lenders and looking for legal loopholes, as well as a paralegal that gives you other ways to raise your credit score and deals with your account. The Concord Plan offers extra investigation into legal loopholes, especially around whether the credit bureaus are following FTC regulations. The Concord Premium Plan offers all of that, plus identity theft protection and credit report monitoring.
- Reputation
- A+ from the Better Business Bureau
Sky Blue, which has been in the credit repair business for almost 30 years, is one of the most trusted credit repair services, both from industry experts and former customers. Sky Blue holds an A+ rating from the Better Business Bureau (the highest rating of any credit repair service) and the most positive user reviews from across the Internet.
- Reputation
- A- from the Better Business Bureau
Lexington Law is one of the oldest and most trusted credit repair services, being in the credit repair business for more than 25 years, although it has had its share of complaints from customers during its long run. It has a solid “A-” score from the Better Business Bureau, which means those complaints have been few and far between.
- Guarantee
- 90-day money-back guarantee
Sky Blue’s greatest asset is its 90-day 100 percent money-back guarantee. If you are not satisfied with the service at any time within 90 days of starting, you can get a full refund. Most other credit repair services don’t offer similar guarantees, and if they do, it is usually only for 30 or 60 days.
- Guarantee
- You don’t pay until the work is completed
Lexington Law does offer a guarantee, although it’s not so much a guarantee as a legal obligation. The service does not require you to pay for services until they have finished the agreed upon work, which is a requirement enforced by the Credit Repair Organizations Act. Still, it is nice to know that the work is guaranteed.
Sky Blue Credit Repair: User Reviews
Lexington Law: User Reviews
Sky Blue Credit Repair: Comments
Lexington Law: Comments
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Sky Blue is hands-down the best credit repair service for those who are in need of credit repair. By that, we mean it focuses on only credit repair, which keeps its prices low. If you are in need of credit repair, chances are you don’t have the extra money to be paying for good, quality credit repair, which is exactly what Sky Blue offers. The combination of quality credit repair at an affordable price is exactly what those seeking credit repair need.
How Does Sky Blue Credit Repair Work
The process is fairly simple. You fill out an application, which asks what you are looking for, some personal information and some financial information to get the ball rolling. Once you have paid the initial fee, Sky Blue will give you instructions on how to obtain your three-bureau credit report. Once Sky Blue has the report, an agent will reach out and go over it with you to pick out areas that they think can be improved.
Once you and the agent decide on the areas to focus on, Sky Blue will get to work, either negotiating with your lenders or disputing items on your report or any of the other legal tools it has in its toolbox to get those negative items removed. The process will be repeated each month until you are satisfied that all the items that can be removed have either been removed or have been attempted to be removed.
In addition, Sky Blue will send you information on how to optimize your score on your own as well as tips on how to rebuild your credit naturally. The tips include how to utilize credit in a smart and productive way to raise your credit score.
Is Sky Blue Credit Repair Legit?
Credit repair doesn’t always have the best reputation because there are a lot of scam services in the credit repair field. The trick is figuring out which companies are scams and which are legit.
According to the government’s Credit Repair Organization Act, there are rules that every credit repair agency has to follow in order to be legit. If your credit repair company doesn’t follow any of these rules, it may be a scam:
- Credit repair agencies cannot ask for payment up front without completing the work first. (This does not apply to initial payments to begin the work.)
- All contracts between you and the credit repair agency must be in writing. If anything is not in writing, don’t believe it.
- All credit repair agencies need to have an easy cancellation policy. Most legit credit repair agencies have month-to-month contracts because of this rule, so you can cancel any time.
Sky Blue Credit Repair adheres to all of these rules, which means it is a legit credit repair company. It also has an A+ rating from the Better Business Bureau, which is the highest rating for a credit repair service. It also has been in the credit repair business for almost 30 years, making it one of the most established agencies in the industry.
Common Sky Blue Credit Repair Reviews
Generally, Sky Blue is broadly considered one of the best credit repair services out there. In the majority of online reviews for credit repair services, Sky Blue ranks in either the No. 1 or No. 2 position.
Customer reviews paint a similar picture. Of the sites that offer user reviews, most users gave Sky Blue either four or five stars, and had generally great things to say about the service. Even people who were not completely satisfied had kind words for other parts of Sky Blue’s service, like its customer service.
On the Better Business Bureau website, Sky Blue has accumulated 39 positive reviews and only two complaints. Those complaints were actually resolved and the users were given a full refund on what they spend on the services.
These kind of user review numbers are generally unheard of in the credit repair industry. Many people go into credit repair expecting a specific result, but that’s not how credit repair works. Some items can’t be removed. Some disputes are proved true. No legitimate credit repair agency offers any guarantees of results. Generally, this means customers get frustrated and take it out on the companies with negative online reviews. For a service to have so few negative reviews speaks volumes as to how it treats its customers.
Sky Blue Customer Service Reviews
The one thing that is hard to measure when reviewing a company is how customers are treated by the company’s customer service. There may be a couple of Yelp reviews or a complaint on the BBB site, but nothing very conclusive on what customers think.
Sky Blue luckily has a plethora of glowing reviews about its customer service. From sites like Credit Karma to Consumer Affairs, people who have used Sky Blue rave about its customer service. One reviewer said that Sky Blue told him at the start that credit repair wasn’t a good fit for his situation, and refunded him the initial payment without him asking.
Another reviewer talked about how Sky Blue wasn’t able to do much with his score over three months, which was disappointing, but he went out of his way to complement its customer service even though he wasn’t happy with the results. Of course, there are many positive reviews from people who were helped, but these reviews from people who weren’t helped but still had good things to say speaks to the value of Sky Blue’s customer service.
Is Sky Blue Right For You?
There are a few questions you need to ask yourself before deciding if Sky Blue Credit Repair is right for you:
- How much money do I have to spend?
- Do I need extras like credit report monitoring or identity theft?
- Is personal attention more important to me than having a larger company handle my account?
- What am I hoping to get out of this service?
These questions speak to the strengths of Sky Blue. First, how much money are you willing to spend? If you are in need of credit repair, money is probably pretty tight. This is where Sky Blue’s affordable price can be a strong selling point for the service, especially with the value you get for it.
Second, if you do have a little more money to spend and you want added features like the ability to monitor your credit report every month or identity theft protection services, then Sky Blue is not the credit repair service for you. You can try services like Lexington Law or CreditRepair.com, which offer those extra services at an extra price.
Third, Sky Blue is known for its personal touch when it comes to credit repair and customer service. It is a smaller company, which allows for that personal touch, but being a smaller company can sometimes make people think it is not as successful or powerful. If you are looking for a larger company that has a large team to work on your account, Sky Blue is probably not the best choice for you.
Fourth, if you are just looking to improve your credit score or fix issues on your credit report, Sky Blue is the perfect company. That is the company’s bread and butter. Its straightforward approach to credit repair is why it is a popular choice among consumers.
Lexington Law – What is It?
Lexington Law credit repair provides the ultimate service. Of course, the ultimate service comes with a price. Is it worth it? It can be. Lexington Law is a juggernaut in the credit repair world. It has many connections and is the only credit repair firm to actually employ credit repair lawyers that know the ins and outs of credit repair. It also offers a lot of extras that many credit repair services don’t. That alone can be incentive enough to pay the extra money if you are willing to do so.
How Does Lexington Law Credit Repair Work?
Lexington Law is very good at on-boarding new customers. It has sales representatives who will take you through the process on the phone to make sure you don’t get lost, although it’s pretty simple. You fill out an application, which a representative can help you with, that includes both personal and financial information about you. Lexington Law will then help you get your three bureau credit reports and go over them with you to determine the best items to focus on.
Lexington Law’s Credit Repair Levels
What happens next? Well, it depends on which package you choose to buy. Let’s start with the basic plan. Here, you are getting the nuts and bolts of credit repair. Lexington Law will take the items you agreed upon and either negotiate with your lenders, dispute the items, fix any errors or go after any legal loopholes it knows of to help get your negative items removed. This process is repeated every month until you are satisfied.
Concord Standard Package
If you go with the Concord package, you get a boost of legal help in disputing your negative items. Lexington Law will dig a little deeper to find additional loopholes and legal tools that can help get negative items removed from your credit report.
Concord Premium Package
If you choose the Concord Premium package, you get everything mentioned above and credit report monitoring, so you can track your progress, as well as identity theft protection that can monitor any signs that you may have been a victim of identity theft.
Premier Plus Package
If you chose the Premier Plus package, you will receive all the benefits of the Concord Standard and Premium packages, in addition, to cease and desist letters being sent to creditors, personal finance tools, and alerts on any changes to your FICO score.
For any of the packages, you get a dedicated paralegal who will not only keep track of your account but also give you advice on how to improve your credit score naturally and tips on how to keep it healthy in the future.
Is Lexington Law Credit Repair Legit?
This is probably one of the biggest questions when it comes to credit repair. There are a lot of credit repair scams out there, and even the most reputable services can be very sales driven, even if they stay within the legal guidelines.
The good news is there are legal guidelines that credit repair services must follow. According to the government’s Credit Repair Organization Act, there are rules that every credit repair agency has to follow in order to be legit. If your credit repair company doesn’t follow any of these rules, it may be a scam:
- Credit repair agencies cannot ask for payment up front without completing the work first. (This does not apply to initial payments to begin the work.)
- All contracts between you and the credit repair agency must be in writing. If anything is not in writing, don’t believe it.
- All credit repair agencies need to have an easy cancellation policy. Most legit credit repair agencies have month-to-month contracts because of this rule, so you can cancel any time.
Keep these rules in mind when choosing a credit repair service.
Lexington Law does adhere to all of these guidelines, which is a good start. It also has an A- rating from the Better Business Bureau, which is an excellent score for a credit repair service, and means they have few complaints again them as a business. It has also been around for more than 25 years, and in order to stick around in the credit repair world that long, you need to be doing things legitimately and also giving good results to your customers.
Common Lexington Law Credit Repair Reviews
Most Lexington Law reviews always place the service at the top of their list, mostly because it offers such a robust toolbox of credit repair options.
Although it is one of the most trusted credit repair services available, there are still negative Lexington Law reviews. Common customer complaints usually revolve around Lexington Law being too slow or not raising their score enough. Both complaints are usually more the fault of the way credit repair works than the actual credit repair service.
How Credit Disputes Work
First off, credit bureaus get upset when they are flooded with disputes that they have to verify. If credit repair companies send 20 disputes at one time, instead of just one or two, the credit bureaus can become overwhelmed, and this looks poorly not only on the credit repair site but also on you as a consumer. This is why most reputable credit repair sites try to dispute items one or two at a time. This process seems slow to the consumer, but it gives you more chance to have items removed and stay off your report.
Credit Score Increase Isn’t Guaranteed
Second, let’s be clear about this, there is no guarantee when it comes to credit repair. While you can get your money back if you aren’t satisfied in some cases, no reputable credit repair service will guarantee to raise your score because there is no sure-fire way to do that. Everyone’s credit history is different, and in some cases, there is just no quick solution to a bad credit score.
That being said, there are a couple of legitimate negative Lexington Law reviews. The company can be a little sales-driven, which turns some customers off. The key is knowing what you are looking for and making sure the company is providing that without trying to scam you.
Is Lexington Law Right For You?
There are a couple of questions you need to ask yourself before deciding if Lexington Law Credit Repair is right for you:
- How much money do I have to spend?
- Do I need extras like credit report monitoring or identity theft?
- Is personal attention more important to me than having a larger company handle my account?
- What am I hoping to get out of this service?
These will help you make a better decision when it comes to choosing the right credit repair company.
If you are willing to spend a little extra money to get quality service, then Lexington Law is a good choice for you. If you are on a budget and just need the basics of credit repair to help you raise your score, you could try a service like Sky Blue Credit Repair.
If things like credit report monitoring or identity theft are something you want included with your credit repair, pick Lexington Law. Adding these on to your credit repair service can often be cheaper than signing up with another credit monitoring or identity theft protection site.
Personal attention is not what Lexington Law is best known for, although you do get your own personal paralegal to help you with things, so that’s definitely a plus. There is the benefit in that it is a larger company, and therefore it has more resources to devote to each of its clients, which will hopefully mean better results.
Really, it comes down to what you are hoping to get out of the service. If you are looking to raise your credit score fast, Lexington Law’s methodical approach might be too slow for you. If you are looking to breathe life back into your credit score and make it healthy again, regardless of time constraints, then this service is a perfect fit.
Steve Clark • October 23, 2016
Great review of Sky Blue Credit guys. We are going to give them a try.
Cory Tongan • September 14, 2015
I tried to use lexington first and they just seemed to be dragging things out so I switched to sky blue and they were awesome, they felt really personal. Really recommend sky blue.