Sky Blue Credit Repair Review

Straightforward service with a 90-day guarantee

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Sky Blue Credit
Sky Blue Credit​
Investopedia’s Rating

Our Take

Sky Blue Credit’s services are straightforward and offer no surprises. Consumer-friendly cancellation and refund policies provide peace of mind for new customers who aren’t sold on credit repair. The company is missing a few services, though, such as credit monitoring.

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
  • Simple cost structure

  • Tailored services

  • Offers a 90-day guarantee

  • Easy to pause or cancel membership

  • Limited monthly disputes

  • Doesn’t offer credit monitoring

Key Takeaways
  • Sky Blue Credit offers a single, but customizable, credit repair service package.
  • Services include credit disputes, credit building guidance, mortgage preparation, and debt consolidation consultations.
  • The company provides a 90-day money-back satisfaction guarantee.
Company Overview

Sky Blue Credit is one of the older credit repair companies, with more than three decades in business. The company was founded in 1989 in Boca Raton, Florida, and now offers its services primarily online. Sky Blue Credit is best known for its condition-free refund policy that promises customers their money back if they aren’t happy within the first 90 days, a policy that every other competitor makes contingent upon results, if they offer one at all.

  • Year Founded 1989
  • Kinds of Credit Repair Service Credit disputes, credit rebuilding, debt management
  • Fee Schedule Upfront and monthly
  • Monitoring Options Not offered
  • Customer Service Phone, email
  • Official Website

Just getting started with credit repair and not sure what type of service you need? If so, Sky Blue Credit may 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, facing debt collectors, or simply trying to rebuild their credit score. But as with all credit repair companies, there are a few drawbacks to consider, too. Our review lays out all the pros and cons to help you decide whether Sky Blue Credit is the right credit repair choice.

Pros Explained

  • Simple cost structure: Sky Blue Credit charges a $79 setup fee and an additional $79 for each month of service.
  • Tailored services: The single service plan covers optional services like mortgage preparation and debt settlement consultations.
  • Offers a 90-day guarantee: If you aren’t happy with the service you receive from Sky Blue, the company will refund all fees paid within the first 90 days.
  • Easy to pause or cancel membership: Pause or cancel your membership in seconds through the Sky Blue Credit membership portal, by email, or over the phone.

Cons Explained

  • Limited monthly disputes: Sky Blue Credit will only send 15 disputes (five per credit bureau) everyday 35 days. Many competitors offer unlimited disputes.
  • Doesn’t offer credit monitoring: If you’re interested in ongoing credit monitoring, you’ll need to sign up through a third party.

Types of Services

It’s fairly common for credit repair companies to offer multiple tiers of service packages, selling premium services at a higher monthly cost. Sky Blue Credit offers just one. However, this single plan is more flexible than most, covering a broad scope of services that can be personalized to suit individual needs.

Professional Credit Analysis

One of the main benefits of working with a credit repair company is having an expert set of eyes check your credit report for potential discrepancies. A seasoned credit repair professional may be able to spot errors you would have otherwise missed. Sky Blue provides a detailed analysis of each credit report upon signup.

Credit Disputes

Once Sky Blue Credit has gone through your credit reports, the company begins sending disputes to the credit bureaus on your behalf. Up to 15 disputes, or five per bureau are allowed every 35 days.

Score Rebuilding

In reviewing your credit, Sky Blue Credit will offer suggestions for steps you can take to improve your credit score. This may include prioritizing paying off certain balances or opening a secured credit card. The company will also work with you to form a long-term credit rebuilding plan.

Optional Add-Ons

Since Sky Blue Credit’s service package is all-inclusive, there aren’t any paid upgrades to mention. However, the monthly membership fee does cover a list of services the company considers optional as they’re only applicable to a handful of specific cases.

Debt Validation

If you’ve received a letter from a collections agency for a debt you believe is erroneous, 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 can be sent to ask creditors to remove an accurate derogatory mark from your report. Sky Blue Credit advises that these letters are useful if the event (such as a late payment) was a one-time occurrence and you’ve 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 a lawsuit from the collection agency.

Mortgage Preparation

If you’re fixing your credit in preparation to purchase a home, Sky Blue Credit specializes in mortgage lender requirements and will adjust your credit repair strategy according to 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. until 7:00 p.m. EST, hours that might be inconvenient for busy professionals. Sky Blue doesn’t offer live webchat or a smartphone app, although customers can manage their account by logging into an online portal.

Company Reputation

To gauge the reputation of credit repair companies, we often turn to the complaint database maintained by the Consumer Financial Protection Bureau (CFPB). Sky Blue Credit has been named in two complaints in the past 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 who sign up with Sky Blue Credit are not subject to any long-term contracts. The company’s cancellation policy is among the most customer-friendly in the industry. Memberships can be canceled at any time by logging into the online portal, calling the customer service phone line, or sending an email. There are no fees associated with canceling.

If you need a break from paying membership fees but don’t want to cancel entirely, Sky Blue Credit lets you pause service at any time and pick things back up when you’re ready. By taking advantage of this option, you won’t have to pay another $79 setup fee when you resume service.


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

If you’re not happy 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 competitors as it doesn’t depend on a specific outcome. Most companies only offer a refund if no successful disputes have been made 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 compared Sky Blue Credit to longstanding rival Ovation Credit Services by Lending Tree to see which offers better value. Ovation prices its base package in the same range as Sky Blue Credit’s sole offering, although the company also makes a premium membership available with unlimited credit disputes and TransUnion credit monitoring.

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

  Sky Blue Credit Ovation Credit Services by Lending Tree
Year Founded 1989 2004
Services Offered Credit disputes, credit rebuilding, debt management Credit repair, credit monitoring
Customer Service Touchpoints Phone, email, client portal Phone, email, client portal
Upfront Fee $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, although the company stands out with a customer-friendly cancellation policy and a generous 90-day guarantee. However, there’s some room for improvement in terms of consumer education, and the company fails to offer a credit monitoring option.

How We Review Credit Repair Companies

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

Correction, November 12, 2021 - A previous version of this article misstated the customer service hours and that the company does not offer free consultations.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. Consumer Finance Protection Bureau. "Consumer Complaint Database." Accessed Dec. 17, 2021.