Bad credit can seriously harm your quality of life. After all, any negative items on your credit report can stay with you for years and prevent you from qualifying for any future loans or credit cards.
If you suffer from bad credit, finding a quality credit repair service company to assist your credit rebuilding process can seem daunting.
After researching for hours, pouring over past customer reviews, and chatting with firm representatives, our #1 rated credit repair company to aid with credit restoration is Sky Blue Credit Repair.
Sky Blue hits on all 3 of the key things we look for in a reputable company: credibility, ability to get results, and a clear pricing structure.
However, the company sets itself apart in 2 other areas:
- Truly exceptional customer service
- A 90 Day Guarantee
Have a look around, and you’ll quickly understand how rare it is to find a credit repair company scoring even ‘passable’ marks for their customer service, let alone ‘good’ or ‘great’.
Sky Blue’s customer care team is consistently described as: friendly, prompt, professional, and knowledgeable.
And there’s only one other well-known company in our research (The Credit People) offering a satisfaction (or your money back) guarantee. Sky Blue’s is 3 months – a game-changer.
To sign up with our top-ranked agency, visit Sky Blue’s website or call their number below:
Our ensuing in-depth review identifies a few of the company’s Pros and Cons, what Sky Blue can and cannot remove from your credit report, and how long the process might take.
What We Like
We’ve already covered a couple of the major things we like about Sky Blue: customer service and the 90-day guarantee.
But, there are plenty other key ‘pros’ to mention. We’ll start with the top 2, then continue on to the rest:
1. Top-Notch Customer Service
PreventLoanScams.org ranks Sky Blue as having the best customer service in the credit repair industry.
The firm holds a C- rating with the BBB (as of October 5, 2020).
Think most “free consultations” have strings attached? Not the case with this company.
Reviewers have reported the company being up-front when a potential customer’s credit situation is not necessarily bad enough to require professional help.
In these scenarios, the firm recommends certain steps the potential customer could take to alleviate their credit problems on their own (without paying Sky Blue a dime).
How often do you find a company willing to forgo profit in order to genuinely help a potential paying customer?
And, something we really like: the company has been known to call customers to notify them personally that they would no longer be charged, as Sky Blue has finished their work.
2. Condition-free 90-Day Guarantee
It’s difficult for a firm in this industry to offer a money-back promise at scale. For good reason: credit repair is a unique process from individual to individual.
In order for a firm to offer this level of protection to its new & potential customers, the company must be confident it can handle even the most complex repairs.
Sky Blue’s track record leaves little room to doubt their confidence–they have years of experience in score assistance and debt settlement.
And, the length of the guarantee (90 days) is exceptionally generous.
We asked if the company honors refund requests (in the event of customer dissatisfaction) for just the final month’s payment, or for the total balance paid to Sky Blue during a customer’s stay of 90 days or less.
The answer: Sky Blue refunds all monthly fee payments made, including the initial setup fee.
Bottom line, we’re recommending Sky Blue because it’s a beacon of a company in an industry filled with pitfalls.
However, in the event your credit situation doesn’t see improvement, the refund policy is a comfort you won’t be able to find among many other reputable credit repair companies.
Now, for the additional (less-exciting) advantages:
3. Credit Report Error Identification
Sky Blue Credit Repair works as follows:
- Fill out their online form and get your federally-mandated free credit report.
- A representative with the company personally identifies items for dispute on your credit report, whether judgments, charge-offs, or missed payments to name a few.
Many companies will require you to do the hard and complicated work of identifying erroneous or duplicate items on your credit report yourself.
Sky Blue does this for you and aims to find even the most subtle of inquiries.
4. Disputes Handled Internally
Sky Blue files disputes with the 3 major credit reporting bureaus (Transunion, Equifax, and Experian) without your intervention.
Disputing each inquiry yourself, while possible, can be a time-consuming and difficult process. Even more-so for complicated repair cases dealing with cease and desist letters.
Sky Blue does the heavy-lifting and will include your contact information for each dispute.
Meaning: you receive the direct responses from the credit bureaus, at no additional charge, rather than waiting on a company representative to forward the notices to you.
Sky Blue works at an exceptional pace.
The company will dispute up to 15 inquiries (five per bureau) every 35 days.
This is one of the quicker rates in the credit repair industry (while not absolutely inundating bureaus with removal requests, a tactic we would not recommend), putting you back on the path to your financial goals in shorter order.
6. Assistance & Education
Sky Blue helps customers find ways to improve their reports and boost their credit scores.
Lenders are often looking for specific items on your credit report, like delinquencies & missed payments, or the age of your credit history.
Sky Blue will help you find those things and help you remove the ones that are negative & inaccurate.
While the content in your credit report is important, many financial institutions only look at your score and nothing else. Sky Blue’s specific suggestions help you take action immediately.
7. Additional Services
The firm provides extra services as part of their overall package (at no extra charge), including:
- Debt validation
- Goodwill letters
- Assistance negotiating with credit bureaus
- Sign up with a second member, such as a spouse or partner, and they earn a 50% discount on the initial fee AND monthly service fees.
8. Customized Disputes
Most firms are known for sending ‘form mail’. In this case, every letter they send to a reporting bureau looks identical from customer-to-customer.
Sky Blue customizes its correspondence, disputes & re-dispute letters, based on your situation for all three major credit bureaus.
What We Don’t Like
There are a few downsides to keep in mind if you’re thinking of working with Sky Blue:
1. The ‘Basic’ Website
Say what you will, but most other well-known companies in this industry have a much more visually-appealing web presence.
We wouldn’t fault potential customers for picking another company based solely on web design (assuming they performed no additional research).
Sure, while a fancy website doesn’t necessarily mean an agency provides an exceptional service, a pleasing user experience goes a long with cus.
After all, which orange are you going to pick in the produce aisle – the one with a couple of brown-ish dents, or the pristine gem sitting right next to it?
2. Credit Repair can be a ‘DIY’ Endeavor
Don’t be told otherwise – you CAN DIY credit repair.
Hiring a credit repair agency is a means for cutting back on hassle & potential headaches, however, it is not a requirement for successful repairs.
If you choose to save the money, you can absolutely acquire your annual free credit report and start sending off debt validation letters to start the process.
It can be time-consuming as most collection companies aren’t exactly the easiest companies to deal with, however it can absolutely be done.
3. Additional Costs
The service itself is $79/month. Simple enough.
The company used to charge additional fees for credit report pulls or a monthly ‘Credit Monitoring’ service.
However, Sky Blue no longer requires the customer to pay extra for these extra services. They’ve officially done away with the “Additional Costs” we used to note as a negative in our review.
Note: It’s very likely you’ll need multiple report pulls during a credit repair program, if for nothing else than to observe potential improvement in your FICO score.
Customer Reviews of Sky Blue Credit
Looking at customer reviews for any company can be a touch-and-go game.
Most people don’t log on to leave glowing reviews. In fact, most people are ready to pound out scathing reviews on platforms like Yelp or Google.
That said, Sky Blue has some great reviews and a well-reviewed profile with the Better Business Bureau, so they appear to be doing something right.
Many customers of Sky Blue have logged on various review portals to share their experience working with the company and overall, the reviews are positive.
One customer noted a common refrain; his time is valuable to him and rolling up his sleeves to do the heavy research just wasn’t cost efficient.
Another customer reported Sky Blue actually refunded her money because their dispute process wasn’t likely to pan out in her favor. She notes that if circumstances change in the future, she will “definitely go back to them.”
A customer in Philadelphia noted that customer service was great and the representatives were very knowledgeable. Most importantly she never felt like she was being “pushed around.” This is critically important at a time when a credit repair company may be necessary.
Some users did report issues, however. The company’s BBB profile displays two complaints, which deal with a lack of communication from the company and what appears to be false advertising.
On another site, a user reported that he did not believe the service was valuable because consumers could (possibly) do the work themselves.
When to Use Sky Blue?
Deciding when to use a credit repair company can be a difficult decision.
It involves walking a fine line between paying for a service that may help at a time when you’re already pinching every penny.
The best time to give Sky Blue a call is after you’ve done a bit of your own research. Sit down and take a hard look at your credit report – are there lots of errors or items that shouldn’t be there?
If so, and you value your time (and in some cases your sanity), contact Sky Blue and see what they can do for you.
At best, you can repair your credit. At the worst, you won’t do any harm, will become better informed and will get your money back.
What Can Be Removed From Your Credit?
It’s important to take a look at what Sky Blue can do to repair your credit, and what it can’t.
Having appropriate expectations before engaging any credit repair company is critical.
What Can Be Removed
- False Debts/Accounts. If a company reported a debt that you don’t owe or opened an account in your name that isn’t yours, it shouldn’t be on your credit report.
- False Inquiries. An inquiry can’t be on your credit report more than once, Sky Blue can help you remove any additional inquiries.
- Accounts Older than Seven Years. Accounts that are past due, contain former charge-offs or in collections can only be on your credit report for seven years – after that, they must be removed.
- Bankruptcies & Tax Liens. If you had to declare bankruptcy or have an unpaid tax lien, they must come off your report in ten years.
What Generally Cannot Be Removed
- Actual Debts. Debtors are required to show evidence that you owe a debt. If they can do that, generally you cannot have the mark removed from your credit report.
- Actual Inquiries. Same as above, if a company can show that you did give them permission to pull your credit, they are permitted to do so and are permitted to report that activity.
You should not attempt to dispute actual debts you owe or legitimate inquiries.
However, companies are required to provide evidence that you owe a debt or give authorization for the inquiry.
f they cannot do this, you could have the item removed from your report.
How Does Sky Blue Repair Your Credit?
Sky Blue Credit Repair can help you navigate a very complicated area and help you get back on track.
Let’s talk a bit about how Sky Blue actually accomplishes that.
When you attain credit from companies, they are required to report your payment activity to the three major credit bureaus. Other companies who are considering issuing you credit can then adequately assess if it is appropriate to extend it to you.
Sky Blue Credit Repair will sift through your credit report, line-by-line, and flag items for you to dispute.
Then, they will submit dispute letters on your behalf. These letters inform the credit bureaus that you do not believe the item should appear on your report.
How Much Does Sky Blue Cost?
Of course, the most important question is: how much does this cost?
- $79 per month gets you everything that Sky Blue Credit Repair offers.
- Couples pay a total of $119 per month (the couples’ discount=$39/month for the individual).
- Sky Blue no longer requires extra fees for credit reports or monitoring. The company used to charge for three-bureau credit report pulls ($39.95 per pull) or monitoring service for your credit report ($14.95/month).
What to Expect When Signing Up
First, you’ll sign up through their website with basic information.
You’ll get some simple instructions to follow on how you can get a three-bureau credit report, and forward it to them.
After Sky Blue receives your credit report, a representative will conduct a line-by-line review.
The rep will identify any derogatory marks on your report, as well as any questionable looking items that may be to your benefit to dispute. Finally, the results will be emailed to you in an easy-to-read format.
Additionally, Sky Blue will send you an email with some simple ways to build your credit score. These could be suggestions as simple as opening a new credit card account or more regularly using accounts you already have.
After you identify items for dispute, Sky Blue will challenge the items on your behalf to the three major credit bureaus. They will use your contact information so you can see the responses in real-time.
The company will also send customized re-dispute letters if the items are not changed.
What Results Can We Expect from Sky Blue
So, what can you expect at the end of your time with Sky Blue Credit Repair?
One of two things.
First, the disputes and suggestions provided by Sky Blue will result in a cleaner credit report and potentially an overall increase in your credit score. This can take some time, but many of the reviews we’ve assessed have reported results within a few weeks or months.
On the other hand, Sky Blue may not be able to successfully remove items from your credit report. In this case, you will not have done any harm to your credit. And, you’ll be able to take advantage of their money back guarantee.
Our #1 Rated Company for cleaning up the errors on your report, and improving your credit score: Sky Blue
Who is Sky Blue Credit Repair?
Sky Blue Credit Repair is a comprehensive, easy-to-use, fee-based credit dispute service headquartered in Boca Raton, Florida.
Where Are They Located?
It operates in all 50-states and the District of Columbia helping consumers straighten and strengthen their credit report.
Frequently Asked Questions
Does Sky Blue Offer a Guarantee?
The company offers a 90-day 100% money-back guarantee.
Sky Blue will refund the entire price paid if, for any reason, the consumer is not satisfied with the service.
Is it Possible for Deleted Items to Reappear on Your Credit Report After Working With Sky Blue?
It’s important to remember that deleted items from your credit report can be reinserted.
Also, items can be removed if they are expired, incorrect, or duplicate. So if the items do not necessarily meet these guidelines they can be reinserted.
If they are, the credit bureau must explain to you why it reinserted the item within five days.
How Long Does the Company Take to Repair Your Credit?
The amount of time Sky Blue takes to repair your credit really can vary on your credit report and how long it takes for each credit bureau to respond to your disputes.
The company is able to dispute 15 inquiries (five per bureau) every 35 days. That’s very quick.
Additionally, it’s important to remember the responsibility of ensuring the process goes quickly and falls somewhat on your shoulders, too. Reviewing documents and answering correspondence from the firm in a timely manner is critical.
What are Sky Blue’s Hours?
Sky Blue is ready to help 24 hours a day, seven days a week through their online form. Company representatives are also available via phone.
What is Sky Blue’s Phone Number?
How to Cancel Your Sky Blue Membership?
Simply call and cancel any time.
Sky Blue will refund your money if you are dissatisfied & still within the 90-day refund window.