Sky Blue Credit Repair Versus The Credit People

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.

The Credit People is quickly becoming one of the top names in the credit repair world, mostly because of its flat-fee pricing, money-back guarantee and seven-day trial. These are all options that you don’t see very often in the credit repair world and they are options that many customers like seeing from their credit repair service.

How Does The Credit People Work?

The Credit People is no different from other credit repair services. Fill out an application online or call in to have an agent walk you through the process. The Credit People will pull your credit reports and an agent will go over them with you to pick out the best plan of action when it comes to the negative items on your reports.

Then, The Credit People will go through the regular motions; 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.

The Credit People only offers one type of service, so that’s what you will get. It does, however, offer an interesting array of pricing options to choose from. You can choose a seven-day trial for $19 to test out the service, although don’t expect any miracles in those seven days. You can also go with the normal month-to-month service for $59 per month. You can also choose the flat fee option, which is $299 for six months. With it, you get the option of a 100-percent money-back guarantee if you are not satisfied with the services in any way.

Whichever plan you choose, you will get a dedicated agent that will help you through the process, give you tips on how to improve your credit yourself and answer any questions you may have along the way.

Is The Credit People Legit?

This is actually an interesting question, because there are some questions around The Credit People. The BBB score of F raises questions from some, although it’s based on only two customer reviews, so how seriously can you take it?

There is also a question of whether the flat fee option adheres to the Credit Repair Organization Act, which says that no credit repair service can charge up front for work that has not been done. However, the 100-percent money-back guarantee may be why the flat fee option is OK.

The company has been around for more than 15 years, so that lends to its legitimacy as well, and has positive user reviews, but there are also a fair share of complaints as well. Our advice? If you hire The Credit People, make sure to keep on top of them and make sure everything is going as planned. If you feel uncomfortable with the service at any point, cancel.

Common The Credit People Reviews

From professional product review sites, The Credit People generally does pretty well, mostly because of its low cost, trial and guarantee. These are generally positive reviews that speak highly of the company.

The Credit People also has a wide range of positive user reviews from across the web, but those are often coupled with a range of bad reviews as well. Many of those bad reviews, though, are from people who went into credit repair with inflated expectations. Credit repair is never a guarantee. If negative items on your credit report are legitimate, there is always a higher chance that they will not be removed. Keep that in mind when searching for a credit repair service.

Is The Credit People Right For You?

There are a couple of questions you need to ask yourself before deciding if The Credit People is right for you:

  • Do I want to try before buying?
  • Do I need extras like credit report monitoring or identity theft?
  • Am I looking for a money-back guarantee?
  • What am I hoping to get out of this service?

No other credit repair service offers a trial to test out the service, so The Credit People’s $19 seven-day trial is great for people who want to try before buying. Just keep in mind that not much can be done in seven days, so it may not make your decision any easier, and if you decide to cancel, you are out $19.

The Credit People doesn’t offer any extras, like credit report monitoring or identity theft, but that is the reason it can keep its pricing so low, so you should weigh your need for these extras against your need to keep the price down.

As we’ve said, there is no guarantee when it comes to credit repair. If you absolutely want a money-back guarantee, go with the flat fee option with The Credit People. The company does say the guarantee applies if you are unhappy for any reason, but read the fine print before you sign. If you want a legit 90-day money-back guarantee, try Sky Blue Credit Repair.

The best you can hope to get out of The Credit People is straight-up credit repair at a good price, which is plenty for most people. If you are looking for extras and proven customer satisfaction, you might check out one of the other credit repair services on the list.