PROS / This company offers a good couples discount.
CONS / This service requires you to hire a separate service for your credit pull and credit monitoring.
VERDICT / Sky Blue Credit offers competitive prices and advertises high credit score increases, but it depends on third-party service for credit pulls and monitoring, which you need to purchase separately.
Editor's note: Sky Blue Credit Repair has expanded its educational offerings and now directly works with your creditors to dispute items on your credit reports.
Sky Blue Credit is a credit repair service that works to restore your credit in an average of six months. It offers friendly customer service representatives that are willing to take time to explain the program without doing a hard-sell. It offers a good couples discount, but doesn't have many of the program features we looked for when we reviewed credit repair companies. Some of these, like credit pulls and monitoring, it provides through third-party services, which it can direct you to, but for which you pay extra. Sky Blue Credit Repair earns our Top Ten Reviews Silver Award.
Support & Service
We reached out to Sky Blue Credit several times on various days and times to test its customer support to potential customers. Overall, we had good experiences with representatives from this company. They provided transparent and accurate information, were responsive to email and were easy to get ahold of via telephone. No one followed up with us, however.
This company also provides some supplemental education to help you learn more about credit and finances. The overall number of topics it covers was lower than average, but it offers an educational blog to help you learn more about how credit works and how to get back in control of your finances.
Cost & Fees
Sky Blue's overall fees are affordable and compare well to the average cost of other credit repair services we reviewed. To use Sky Blue's service, you must pay a monthly fee of $59, charged at the end of the month, and there is a $59 set up fee when you first enroll. A couples discount of 17% off the setup and monthly fees is applied if you sign up for this credit repair service with a partner. You must pull your credit report through a third-party service, but there are no additional fees on top of this, and this company does offer a money-back guarantee. These prices are correct as of the time of this review; depending on your specific situation when you look into this company, your quotes may be different.
Most clients work with Sky Blue Credit for an average of six months, though your program might be shorter or longer, depending on your situation. This credit repair company advertises between 100 and 200 points added to your credit score. Remember that this may vary greatly depending on your credit report and situation. If the credit bureaus can prove that a negative hit on your report is valid, it cannot be removed.
You should expect to start seeing results on your credit report within 30 days from the time Sky Blue begins disputing items on your report. This company typically disputes 15 items on your report at once across the three major credit bureaus. Some companies dispute all your items at once, trying to get the biggest improvement quickly. Other credit repair services only dispute a handful at a time because they believe too many disputes at once increases the chance of having them refused. Sky Blue takes a middle-of the road approach, submitting more disputes than the more cautious companies while still not overwhelming the credit bureaus.
Sky Blue Credit offers fewer program features than other credit repair companies we reviewed. To its credit, this company does work with third-party reporting bureaus for credit reports and monitoring. It will provide you links to these services, which can pull your credit report for you (for a fee) and monitor your credit during the process. You can cancel that service at any time. However, Sky Blue Credit only works with the credit bureaus and not with your creditors, which could mean that the hits on your credit might end up back on your report. Sky Blue Credit also does not offer pay for delete negotiations. Such negotiations would allow you to pay off legitimate charges, usually at a reduced amount, and in return, the creditor removes the hit from your report.
Sky Blue Credit offers quality customer service, a good couples discount and a money-back guarantee. It has some educational features to help you learn about credit repair before you call for help, and it takes a quick but not overly fast approach to disputing charges. Be aware, however, that it only works with the credit bureaus and not directly with your creditors, which could potentially make this service less effective than other credit repair companies that work with both.