
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Sky Blue is a credit repair service founded in 1989 and headquartered in Boca Raton, Florida. It emphasizes customer service with a commission-free business model, which means you don’t need to worry about pushy sales pitches.
Sky Blue allows you to pause your service at any time, has a 90-day money-back guarantee and offers discounts for couples.
Initial fee | $69 |
---|---|
Monthly fee | $69 |
Couple’s discount | $99 initial fee, and then $99 per month |
BBB rating | C- |
Fee to access credit report | $39.95 |
Free credit consultation | Yes |
Money-back guarantee | Yes |
Credit monitoring | Third-party |
Years in business | 29 |
Customer service | Call at 800-790-0445 or email on a secure form on its site |
Sky Blue suggests that most of its customers use its service for six months, but that you should start to see an improvement to your credit score in the first 30 days. Here are a few other benefits you can expect to enjoy with Sky Blue:
Tips for improving your credit score
Initial set-up fee | $69 |
---|---|
Credit report fee | $39.95 |
Monthly membership fee | $69 |
Monthly couple’s rate | $99 |
Monthly credit monitoring service | $14.95 |
Sky Blue states that most of its customers see an improvement to their credit score after the first 30 days. The average Sky Blue customer uses its service for six months.
Remember that everyone’s credit situation is different and that there are no guarantees that your score can be improved with Sky Blue’s service. If you’re unhappy with your service, you can pause your membership through your online account or cancel within the first 90 days for a full refund.
After you complete your online application, you will receive an email that contains a PDF copy of your contract with Sky Blue. Sky Blue provides instructions on how to get your credit report. Once Sky Blue has a copy of your credit report, it can analyze your score and start disputing errors on your credit report.
You can pause or cancel your service with Sky Blue through your online account on the Sky Blue Portal or by calling customer service during its business hours.
If you cancel with Sky Blue within the first 90 days of service, you’ll receive a full refund.
A 90-day money-back guarantee and the option to pause your service are appealing perks to membership with Sky Blue, but this service isn’t without its drawbacks:
The cost of ongoing credit repair isn’t cheap. If you’re going to invest in rehabilitating your credit score, you want to know that the service you select is credible and trustworthy.
As of October 2020, here’s what we discovered about Sky Blue through online reviews:
You can reach Sky Blue’s customer service by sending an email through its site or by calling 800-790-0445 weekdays from 9 a.m. to 5 p.m. ET.
You can also monitor the progress of your credit repair through your online account using the Sky Blue Portal.
No, there is no guarantee that Sky Blue can repair your credit. In fact, no credit repair service can claim any guaranteed improvement of your credit score as a result of the Credit Repair Organizations Act of 1996.
The Credit Repair Organizations Act was implemented to stop the predatory business practices by credit repair companies in the past. Today, all credit repair services are required to provide potential customers with any information they need to make an informed, unbiased decision — that means not guaranteeing results.
If you’d like to try and raise your credit score, a credit repair service like Sky Blue could help. Sky Blue benefits from strong customer review ratings and offers a 90-day money-back guarantee for customers unsatisfied with its service.
You can opt to tackle the process of credit repair yourself at no cost, although it’ll cost you time. If you prefer that a credit repair company handle the process, look into your options with other providers before you make a final decision.
Get a better understanding of credit repair
Images: Sky Blue credit repair