- 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.
- $59 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 $59 to start and then the service is only $59 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.
- 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.
- 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.
- 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.
Sky Blue: User Reviews
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.