Sky Blue Credit Review: Is This Your Answer to Credit Repair? 

So, you’re looking into Sky Blue Credit, you’ve got some items to clean up on your credit report, and you may have even spoken with a credit repair rep at the company. Then, somehow, you landed here – you’re probably mostly interested in checking out the offer’s legitimacy. 

And, I’ll bet you’re wondering how quickly you might see results if you sign up as well as how much it’s going to cost you to get your credit where you want it to be. I’m here to tell you as much as I can about the offer. 

When you’re done reading, you should be able to decide whether Sky Blue Credit is the right service for you – Then, you can either step onto the credit repair journey with Sky Blue or take another route. 

Here’s what’s coming: 

• What is Sky Blue Credit?
  • How Much Does Sky Blue Credit Cost?
  • Sky Blue Company Overview
• What Does Sky Blue Credit Do Differently?
  • 1. Transparent Credit Repair Services
  • 2. Long-Standing Reputation
  • 3. Flexible Membership Management
• Sky Blue Credit Alternatives
• Frequently Asked Questions
• Final Thoughts: Is Sky Blue Worth it?

Now, let’s roll…

What is Sky Blue Credit? 

Sky Blue Credit is a credit repair service that dispoutes negative items on your credit reports to help you improve your credit score so that you can buy a house or make another major purchase. 

They provide services such as: 

• Dispute resolution
• Tailored credit dispute strategies
• Score optimization
• Assistance with credit rebuilding
• Debt validation

Mortgage readiness is Sky Blue’s specialty, and they can help you prepare for home ownership or refinancing. 

⚠️ Keep in mind that credit repair services do not help you pay down debt. In fact, I’ve heard of at least one company (it’s not Sky Blue Credit) that charges $300 per month and actually encourages clients to stop paying on their current accounts…so that the “credit repair professionals” can dispute account legitimacy. DO NOT DO THIS. If you come across anyone who recommends you stop making on-time payments, don’t walk, run! 

Next, we’re going to explore costs and learn more about the company so that you can gauge the situation before you learn exactly how Sky Blue Credit might help you.   

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How Much Does Sky Blue Credit Cost?

Sky Blue Credit offers credit repair services at a monthly cost of $79 for individual members. Couples can join for a combined fee of $119 per month – This includes the primary member at full price and a second member at an additional cost of $40 per month. 

There is no sign-up fee, and the initial charge of $79 is applied after 6 days. After that, you’ll be charged each month.  The membership includes a 90-day guarantee, and you can manage your membership with options to pause, resume, and choose your billing date.

Recommended: How to Remove Late Payments from Your Credit Report 

Sky Blue Company Overview

Is Sky Blue a good credit repair company? While I can’t speak firsthand for the credit repair services, let me tell you what I know about the business. 

Sky Blue Financial Services Inc. is a private, for profit, Florida-based company that was founded in 1989, registered to one Scott K. Smith. Their business filing is in good standing and the company has kept up to date with annual reports each year since launch. 

Sky Blue has been helping people dispute inaccuracies and remove negative items from their credit reports for over three decades – they’re well established in the niche – this is a good sign!  

Right away, I noticed a small red flag – Sky Blue’s website doesn’t have a Terms of Use page. While they aren’t legally required, transparent terms and conditions help build trust. It’s been awhile since I’ve come across a brand that doesn’t share transparent terms with the public. 

In place of Terms of Use, Sky Blue makes a 90-day, money back guarantee and a promise to answer credit related questions from their members. They clearly ask that you let them know a few months in advance before you apply for a mortgage so that they can strategize with you. These clear statements washed out my mental red flag to pale yellow – i.e. “keep your eyes peeled for more flags.” 

While it’s a small company, out of four anonymous staff reviewers, only half of employees would refer a friend to work at Sky Blue (according to Glassdoor). This is such a small sample, I don’t know what to make of it. 

I didn’t find any information about Sky Blue’s owner, and not enough user reviews to make a determination on trustworthiness. I can say that I didn’t find any lawsuits or signs that this is a scam – Sky Blue Financial Services is a legit business that’s been doing this work for a very long time. 

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What Does Sky Blue Credit Do Differently? 

Before you sign on for any offer, especially a financial one, it’s best to be completely in the know. When you understand what it is you’re paying for, you’re less likely to make a bad decision or be disappointed with where you put your money. 

Now that you’ve seen the associated costs of Sky Blue’s services and a rundown of the company itself, let’s set your expectations straight – Find out exactly what this offer is. Here are Sky Blue’s advantages.  

1. Transparent Credit Repair Services

First and foremost, for a credit dispute management company, the prices and services are laid out on the table before you begin.

This particular credit repair service provides a clear suite of features including: 

• A rapid 35-day dispute cycle for faster resolution
• Customized dispute strategies tailored to individual circumstances
• Strategic score optimization to enhance credit scores

Beyond dispute services, Sky Blue Credit assists in credit rebuilding by providing guidance on opening new accounts, engaging in debt validation processes, and facilitating direct appeals to creditors through goodwill letters.

Instead of generically advertising that they will repair your credit, Sky Blue says exactly what they can do for you. If these are the services you need, rest easy knowing what you should anticipate. 

You might also like: The Truth Behind the “Pay to Delete” Letter 

2. Long-Standing Reputation

In active operation since 1989, Sky Blue Credit maintains a solid reputation in the credit repair industry. The company emphasizes best-in-class support and is backed by a 90-day guarantee, offering users confidence in their services based on decades of experience.

I see so many credit repair companies pop up, and Sky Blue’s seniority speaks volumes – it’s definitely less risky to go with a decades-old service than hop on the latest new trend in credit repair or gamble on a company that’s been in legal trouble. 

You might also like: A Comprehensive Credit Versio Review: Is it Legit?  

3. Flexible Membership Management

Members have the flexibility to manage their membership with ease. Sky Blue Credit allows users to pause or resume their membership at their discretion. Additionally, members can choose their own billing date with a simple click, providing a convenient and user-friendly experience.

In summary, Sky Blue Credit’s features encompass transparent pricing, a comprehensive range of credit repair services, a long-standing reputation, and user-friendly membership management options.

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Sky Blue Credit Alternatives

Sky Blue Credit has lots of competitors. Off the top of my head, Lexington Law and ASAP Credit Repair have comparable offers worth taking a look at. The credit repair agency you work with (if any) should meet all of your personalized needs, so I can’t make a recommendation for which is best – That depends on your unique situation.  

And, you may want to consider another channel altogether… 

If you’ve got the time and commitment, you can take a do-it-yourself credit repair approach, which may be easier than you think, when you’re armed with the right knowledge. Start by educating yourself through blogs (I see you’ve already started that; good work!), forums, books, and podcasts. 

Then, just take what you learn and start applying it. Remember, credit repair is a gradual process, so it’s okay to chip away at it little by little. You can eliminate some of the stress by taking it one step at a time. But, there are steps you can take in certain situations to potentially boost your score 100 points or more in a month. 

Today, with technology, you can even customize the amount of manual work vs automation that you use. For example, Credit Secrets members have access to The Automator,™ which automates the dispute process and can even send your letters to bureaus and creditors via Certified Mail for the cost of postage.

Recommended: Top 8 Best Credit Repair Books of All Time +Free Resources 

Frequently Asked Questions

Final Thoughts: Is Sky Blue Worth it? 

Sky Blue Credit offers dispute services at a cost that’s in the lower range, even though they’ve been in the business for 34+ years. While you can’t base your decision on cost alone, this is a definite selling point – they’re established and do the work for less than most. 

This company also has flexible membership management, meaning it’s very easy to pause and resume services, plus membership comes with a 90-day money-back guarantee. 

The service isn’t right for everyone, though. If your score is low because of high utilization, for example, disputing active accounts won’t be helpful, and Sky Blue isn’t the answer. Plus, if you have the time and commitment, you may be better off taking charge of your own credit repair journey. 

To dive into the world of credit repair and get that credit score up fast so you can move forward with your life, check out Credit Secrets and start your journey to better financial health.