Sky Blue Credit Repair Versus Ovation

Note: We receive a commission for purchases made through the links on this site. Our sponsors, however, do not influence our editorial content in any way.

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.

About the Author

Jeff Hindenach

Jeff Hindenach is the co-founder of Versus Reviews. He graduated from Bowling Green State University with a Bachelor's Degree in Journalism. He has a long history of journalism, with a background writing for newspapers such as the San Jose Mercury News and San Francisco Examiner, as well as writing for The Huffington Post, New York Times, Business Insider, CNBC, Newsday and The Street. He believes in giving readers the tools they need to get out of debt.

Ovation is not the best and brightest of the credit repair world, but it does offer some interesting extras that set it apart from some of its competitors. First, it offers a wide range of discounts depending on your needs, including senior and military discounts, as well as discounts for couples. Also, you will get $50 off if you transfer to Ovation from a different credit repair agency. It also offers referral bonuses if you refer a friend or family member.

Ovation also has a couple extras that you don’t see at other credit repair agencies, like an online dispute manager, which allows you to track and change the dispute process at any time, or a certified recommendation letter to future lenders.

How Does Ovation Credit Repair Work?

Ovation works much like any other credit repair service. You go online, fill out an application (or have someone help you fill it out over the phone), submit it, and a personalized agent will contact you to go over your credit reports, which Ovation will pull for you.

If you signed up for the Essentials Plan, you will then begin the dispute process, which just means that Ovation will start to file dispute letters with the credit bureaus to hopefully remove some of the negative items from your credit report.

If you signed up for the Essentials Plus plan, the dispute process will start but Ovation will also file an unlimited amount of validation letters, which forces the credit bureaus to validate negative information on your credit report. It will also send goodwill letters to your lenders to ask them to remove some of the negative items out of goodwill. In addition, your credit report monitoring from TrasnUnion will start.

You can also sign up for a few extras that will cost you a little extra money. Ovation offers a Fast Track service that will get you set up and start the process within one business day. It will also expedite all of your dispute letters that you request through the Dispute Manager. The whole Fast Track service is an extra one-time fee of $25.

You can also get Identity Optimization for $25 as well. This service looks at your credit reports and finds any extra personal information that isn’t needed and gets rid of it, to optimize your identity to keep personal information out of the hands of identity thieves.

All services come with a personal care advisor to help you through the credit repair process and answer any questions you have along the way.

Is Ovation Credit Repair Legit?

This is probably one of the biggest questions when it comes to credit repair. There are a lot of scams out there when it comes to credit repair, 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, a credit repair agency has to follow those guidelines 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.

Just like the other credit repair services that we review, Ovation follows the rules of the Credit Repair Organization Act. You won’t pay for services until they are completed. You will get your contract in writing before services start. And you can cancel at any time.

Common Ovation Credit Repair Reviews

Ovation is not the biggest name when it comes to credit repair and is new in comparison to some of the bigger names, so that means it usually ranks lower when it comes to reviews. That, however, is not a reflection on the service so much as it’s a reflection on the strength of the bigger credit repair services.

Since Ovation hasn’t been around as long and is a lesser-known service, it doesn’t have as many customer reviews as some of the bigger names, which is a plus and a minus. Not having as many reviews means fewer complaints, but also fewer glowing reviews. It does have an A+ rating from the Better Business Bureau, which means its customers are relatively happy with the service, so that is a definite plus.

Is Ovation Credit Repair Right For You?

There are a couple questions you need to ask yourself before deciding if Ovation Credit Repair is right for you:

  • Can I get a discount?
  • Am I in a hurry?
  • Do I need credit report monitoring?
  • Do I want to be in control of the process?

To be honest, if you aren’t getting a discount from Ovation, it might not be worth it. Other top services like Sky Blue and The Credit People are the same price as Ovation and offer better-quality service. If you can take advantage of one of Ovation’s many discounts, however, it would be worth it.

Ovation’s Fast Track option is one you don’t see from any other credit repair service, so if you are hoping to get approved and start the process in a hurry, you should take advantage of this unique service.

If you really want to monitor your credit reports in addition to your credit score, this might be a good service to use. At $89, it’s cheaper than any of the other credit repair service packages that offer credit report monitoring.

Ovation’s Dispute Manager is another feature you don’t see from other services, so if you want to be completely hands on when it comes to how and what you are disputing, this is a good service for you.

About the Author

Jeff Hindenach

Jeff Hindenach is the co-founder of Versus Reviews. He graduated from Bowling Green State University with a Bachelor's Degree in Journalism. He has a long history of journalism, with a background writing for newspapers such as the San Jose Mercury News and San Francisco Examiner, as well as writing for The Huffington Post, New York Times, Business Insider, CNBC, Newsday and The Street. He believes in giving readers the tools they need to get out of debt.