2022’s Sky Blue Credit Repair Reviews (Pros & Cons)

Why does this company have such a good reputation? To find that, I did my own research and went through numerous Sky Blue Credit Repair reviews.

In this review, you’ll find out about their services, customer reviews, pricing, FAQs, and more.

Sky Blue Credit Repair Overview

A major player in the credit repair and restoration industry for over 30 years, Sky Blue is a top performer in terms of fast, best-in-class customer service and comprehensive offering. 

It has an A+ rating on BBB, but note that it isn’t accredited. 

It has exceptional customer service, a 90-day money-back guarantee, and generous discounts, which puts Sky Blue on the list of best credit repair companies in 2022.

Sky Blue Credit Repair Services

Let’s get a breakdown of the Sky Blue credit repair services, core, and specific solutions for your needs.

Sky Blue Core Services

Their core services include the following: 

  • Pro Analysis

Free reports and monitoring, expert analysis of credit reports including disputable accounts, potential compliance issues, and credit repair error identification.

  • Disputes Management

The 35-day disputes cycle, handling a maximum of 15 items, customizable dispute, re-dispute letters, and diligent check on debt’s statute of limitations, all guarantee swift and meaningful results.

  • Score Assistance

To ensure credit score optimization, Sky Blue does a thorough examination of your credit profile to identify potential opportunities to improve your FICO credit score; based on these reports, you’ll get personalized practical FICO score recommendations.

  • Credit Rebuilding

Comprehensive analysis of your credit reports as well as practical advice and guidance on boosting your FICO score and rebuilding your credit history.

Sky Blue Extra Services at No Added Cost

For the same price, you’ll get assistance with:

  • Debt Validation

Entitles you to dedicated assistance for preparing an accurate and timely written response to a collection letter (according to the Fair Debt Collection Practices Act (FDCPA)) to understand the legitimacy of the collection request, validate its proper owner, and make sure that there are no extra fees added.

  • Goodwill Letters

The Sky Blue credit repair late payments solution includes issuing a goodwill letter as an appeal to your creditor to remove an event from your credit history.

  • Cease & Desist Letters

Detailed research and advice on the validation of your debt, its statute of limitations, and issuing of the actual formal letter to debt collectors to cease all further communication.

  • Negotiation Service

Leading all negotiations and debt settlements for you.

  • Mortgage Preparation

Get assistance to build the right credit score to qualify for a mortgage loan by meeting all lender requirements.

Everything You Need to Know About Sky Blue Credit

Now, here’s the most important information you should know if you choose Sky Blue:

Sky Blue Credit Repair Couple Pricing DiscountCouples get special pricing of $119 review/setup and $119/month. No need to be married, just sign up as a couple.
Free Trial & 90-Day Money-Back GuaranteeThe initial charge is deducted six days after signup.
Refund PolicyCondition-free refund in full in case you are not satisfied with the services within the 90-day guarantee period.
Cancellation PolicyCancel anytime without further obligations, no additional charges, no per diems; cancel by phone, message, or email.
Pause Your ProgramTake a break by stopping your services, schedule a date to resume services, or override the scheduled date; use your Sky Blue portal or submit your request via phone call.
Education CenterHuge knowledge base and sources to improve your awareness about credit repair, credit score tutorials, credit tips, how-to guide, a Sky Blue blog, and numerous answered questions.


Single pricing for all services. Setup and monthly fee. No upgrades.

Sky Blue has the simplest pricing model — a flat fee of $79/month charged six days after subscription. No signup fee. No advance payments. No additional charges for both Sky Blue Essential and Extra credit restoration services.

Ease of Use

Easy and intuitive online setup. Pause your service using the Sky Blue portal.

Customer reviews of Sky Blue credit repair online registration share similar feedback — seamless and user-friendly process.

Here are the registration process step-by-step instructions:

  • Step 1: Sign up by providing your personal details such as name, address, contact details.
  • Step 2: Add a second member at a half-price — no need to be married.
  • Step 3: Get a clear view of the upcoming payments for the services. No surprises.
  • Step 4: Sky Blue obtains the free credit reports you’re entitled to.
  • Step 5: Provide your Billing and Legal details.

Once you’re settled, Sky Blue will send you an in-depth report identifying bad items on your credit history:

  • charge-offs
  • debt collections
  • late payments
  • repossessions
  • foreclosures

You will then have to decide on which items you want to dispute.

You will also receive personalized tips on how to improve your credit score.

The Sky Blue portal allows you to pause your services with just a click. Charges are immediately ceased until a scheduled date or at your own will.

Sky Blue Credit Repair Customer Reviews & Ratings

I’ve gone through 11 customer reviews on the Better Business Bureau (BBB) website for the last 3 years. The results showed two 1-star rated reviews and 9 5-star rated reviews. All Sky Blue credit repair complaints people filed have been closed, which shows their willingness to resolve the issues. 

On ConsumerAffairs.com, this company has a rating of 4.8, based on 148 customer reviews, which is another sign of their good service. 

Across all 140 customer reviews on Google, Sky Blue Credit repair received a 4.5-star rating. Only 17 reviews have been rated with 1 or 2 stars.

Sky Blue Credit Alternatives 

In the event that you are not sure whether or not to use Sky Blue’s services, take a look at its competitors, and maybe you’ll find something that suits you.

CompanyWinLoseBest for
Sky Blue CreditAffordableNo service for identity theft 90-day money-back guarantee
Lexington LawMultiple package optionsHigher initial feeMore additional services like identity theft
The Credit SaintSplendid online transparencyMonthly fees can be highAward-winning customer service
The Credit ProsFree consultationHigh initial feeUnlimited number of disputes

Anyone who needs credit repair will be more than happy with their service. Namely for one price you can get everything they offer. What’s amazing is that they offer refunds in case of no success. 

Is Sky Blue Credit Worth It?

The fact that it offers a full range of credit restoration services with world-class customer support and a rich knowledge base is no doubt Sky Blue’s biggest draw. The comprehensive pricing model and significant couples discount stand out in the Sky Blue Credit Repair reviews. The full refund within the 90-day money guarantee period makes this option better.

Where Does Sky Blue Credit Dominate?

ProsExceptional educational resources
Excellent customer service
Generous couples discounts
Affordable pricing

Where Does Sky Blue Fall Short?

ConsLimited services
Limited online management system

Sky Blue credit repair solutions are for any individual looking to repair their credit by disputing, monitoring, and other services.

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