Sky Blue Credit Repair Review

Just started fixing your credit and not sure what kind of service you need? If so, Sky Blue Credit can be a good place to start. The company’s flexible credit repair service can be tailored to meet the needs of those preparing to buy a home, dealing with debt collectors, or simply trying to rebuild their credit score. But as with all credit repair companies, there are also some downsides to consider. Our review lays out all the pros and cons to help you decide if Sky Blue Credit is the right choice for credit repair.

The benefits explained

  • Simplified cost structure: Sky Blue Credit charges a setup fee of $79 plus an additional $79 for each month of service.
  • Tailor-made services: The unique service plan covers optional services such as mortgage preparation and debt settlement consultations.
  • Offers a 90-day warranty: If you are unhappy with the service you receive from Sky Blue, the company will refund any fees paid within the first 90 days.
  • Easy to pause or cancel membership: Pause or cancel your membership in seconds via the Sky Blue Credit membership portal, email or phone.

Disadvantages Explained

  • Limited monthly disputes: Sky Blue Credit will only send 15 disputes (five per credit bureau) every 35 days. Many competitors offer unlimited disputes.
  • Does not offer credit monitoring: If you are interested in ongoing credit monitoring, you will need to register through a third party.

Kinds of services

It’s quite common for credit repair companies to offer multiple tiers of service packages, selling premium services at a higher monthly cost. Sky Blue Credit only offers one. However, this single plan is more flexible than most, covering a wide range of services that can be customized to meet individual needs.

Professional credit analysis

One of the main benefits of working with a credit repair company is having an expert eye that checks your credit report for any discrepancies. A seasoned credit repair professional may be able to spot errors that you might otherwise have missed. Sky Blue provides a detailed analysis of each credit report upon registration.

Credit disputes

After Sky Blue Credit reviews your credit reports, the company begins to send disputes to the credit bureaus on your behalf. Up to 15 disputes, or five per office are allowed every 35 days.

Score reconstruction

When reviewing your credit, Sky Blue Credit will suggest steps you can take to improve your credit score. This may include priority payment of certain balances or opening a secured credit card. The company will also work with you to develop a long-term credit rebuilding plan.

Optional add-ons

Since Sky Blue Credit’s service package is all-inclusive, there are no paid upgrades to mention. However, the monthly membership fee covers a list of services that the company considers optional because they only apply to a handful of specific cases.

Debt Validation

If you have received a letter from a collection agency for a debt that you believe is in error, Sky Blue Credit will help you navigate the debt validation process by asking the agency to provide proof of the amount owed.

Goodwill letters

In some cases, goodwill letters may be sent asking creditors to remove a specific derogatory mark from your report. Sky Blue Credit says these letters are useful if the event (such as a late payment) was a one-time event and you have been making payments on time for at least six months since.

Cease and desist letters

Sky Blue Credit customers who have been inundated with debt collection calls can ask the company to send cease and desist letters to stop communications. However, the company notes, this is only used as a last resort as it may trigger legal action from the collection agency.

Mortgage preparation

If you are repairing your credit in preparation for buying a home, Sky Blue Credit specializes in the requirements of mortgage lenders and will adjust your credit repair strategy to suit your timeline.

Customer service

The best way to get in touch with Sky Blue Credit is by phone or email. Note that phone lines are only open from 9:00 a.m. to 7:00 p.m. EST, times that might be inconvenient for busy professionals. Sky Blue does not offer live web chat or a smartphone app, although customers can manage their account by logging into an online portal.

Company reputation

To assess the reputation of credit repair companies, we often turn to the complaints database maintained by the Consumer Financial Protection Bureau (CFPB). Sky Blue Credit has been named in two complaints in the last three years, both related to customer service issues. The CFPB notes that both complaints were closed in a timely manner.

If you have a complaint about the services of a credit repair company, you can file a complaint with the FTC or call 877-FTC-HELP.

Contract duration

Customers subscribing to Sky Blue Credit are not subject to any long-term contract. The company’s cancellation policy is among the friendliest in the industry. Memberships can be canceled at any time by logging into the online portal, calling the customer service hotline, or sending an email. There are no fees associated with cancellation.

If you need a break from paying membership fees but don’t want to cancel completely, Sky Blue Credit allows you to pause the service at any time and get back to business when you’re ready. By taking advantage of this option, you won’t have to pay an additional $79 setup fee when you resume service.


Sky Blue Credit’s cost structure is quite simple. Customers pay an upfront fee of $79 for the initial setup and consultation process. There is also a membership fee of $79 for each month of service. Both fees are within the credit repair industry average.

If you are unhappy with your service for any reason, Sky Blue Credit will refund all fees paid within the first 90 days.

Sky Blue Credit’s Money Back Guarantee sets the company apart from its competitors as it is not tied to a specific outcome. Most companies only offer a refund if no dispute has been resolved within a certain period of time.

The competition: Sky Blue Credit vs. Ovation Credit Services by Lending Tree

There’s a lot of competition in the credit repair industry, so we’ve compared Sky Blue Credit to long-time rival Ovation Credit Services from Lending Tree to see which offers the best value. Ovation offers its basic package in the same range as Sky Blue Credit’s unique offering, although the company also offers a premium subscription with unlimited credit disputes and TransUnion credit monitoring.

But Ovation also provides members with comprehensive educational tools designed to empower them to take control of their own credit, resources that Sky Blue Credit doesn’t come close to matching. For this reason, we would choose Lending Tree’s Ovation Credit Services as the best value.

sky blue credit Ovation Credit Services by Lending Tree
Year of foundation 1989 2004
Offered services Credit disputes, credit reconstruction, debt management Credit repair, credit monitoring
Customer Service Touchpoints Telephone, e-mail, customer portal Telephone, e-mail, customer portal
Upfront costs $79 $89
Monthly fee $79 $79 to $109


Sky Blue Credit’s services offer a fairly standard, no surprises approach to credit repair. Fees are exactly what you’d expect from an average credit repair service, though the company stands out with a friendly cancellation policy and a generous 90-day guarantee. However, there is room for improvement in terms of consumer education, and the company does not offer a credit monitoring option.

How We Review Credit Repair Companies

Our credit repair reviews compare companies using a quantitative scoring method that examines several key service components. We break down credit repair plans into the individual services each provides, comparing them to prices to assess their value. We also keep an eye out for potential pitfalls, such as hidden fees, long-term contracts, limitations, and misleading claims. Finally, we consider third-party data from organizations such as the Consumer Financial Protection Bureau and the Better Business Bureau to assess each company’s reputation with past customers.

Corrigendum, 12 November 2021 – A previous version of this article misrepresented customer service hours and stated that the company did not offer free consultations.

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