Sky Blue Credit Review: Credit Repair Companies

We've analyzed the best Credit Repair Companies to help you find the right solution for your needs.

2025 Credit Repair Company Reviews

Which Credit Repair Service is the Best?  Credit scores are like the gatekeepers to many financial opportunities in life, from buying a car to getting approved for a mortgage. However, many people don't fully understand what goes into a good credit score - or how easy it can be to damage one. That's where credit repair comes in - a process designed to help you improve your credit profile and unlock those financial doors.

5.0

EXCELLENT

1

Best Option

  • Two tiers of service, priced at $79/month (or $119/month for couples) and $99/month (or $149/month for couples)
  • Unlimited actions on your behalf
  • Pause or cancel service anytime
  • Condition-free 90-day refund policy/guarantee
  • "A+" rated by the BBB
  • In business since 1989

EXCELLENT

5.0

On the Sky Blue Credit website

Believe it or not, "happy" and "satisfying" are two words that actually describe the credit repair experience when you work with Sky Blue Credit. They've been walking side-by-side with individuals and couples since 1989, delivering focused yet user-friendly service. Whether you need help strategizing on how to qualify for a mortgage or you don't know if you should accept a credit offer, their best-in-class support team is ready to work it out with you.

Easy-to-understand, all-inclusive pricing

We love how straightforward Sky Blue Credit is, in terms of what they offer and at what price. Here's the rundown:

  • Basic Service ($79/month individual, $119/month couple)
    • 3-bureau reports and scores
    • Unlimited credit bureau disputes
    • One-on-one consultations as needed
    • Credit score tracker
    • 24/7 access to client portal
    • 60-day credit updates
  • Full Service ($99/month individual, $149/month couple)
    • All of the services of Basic
    • Creditor interventions
    • Inquiry disputes
    • Debt validation letters
    • Cease and Desist letters
    • Personal information correction letters
    • 45-day credit updates
    • Credit builder tool

Personalized attention and unlimited interventions

Unlike many of its rivals, Sky Blue Credit doesn't limit how many actions they'll take on your behalf from one month to the next. Whatever makes sense for them to do, they'll do it. They'll also create a personalized credit-building strategy with you: you may need to pay down certain debts or actually open a new credit line, and their experts will both make suggestions and offer support along the way. You're not just a nameless, faceless client when you work with Sky Blue Credit.

Best Credit Repair Companies

What they do and what they don't

They're also very clear about who they can help and who they can't. Sky Blue Credit is designed to optimize your credit score, especially through getting credit reporting errors fixed. However, if you're struggling with legitimate debt or trying to use credit repair as an alternative to bankruptcy, Sky Blue Credit will redirect you to credit counseling, debt settlement, or other options.

Exceptional 90-day refund policy

Sky Blue Credit offers a condition-free, 90-day refund policy and satisfaction guarantee. It's really impressive: any time in the first 90 days after enrollment, all you have to do is tell the company why you're not satisfied, and you'll get a refund for what you've paid so far. That's it: no exceptions, no exclusions, no big hoops to jump through. You won't find any other credit repair company that offers such an ironclad, risk-free guarantee.

Clients absolutely love this company

And, as you might expect, this credit repair service has an exceptional reputation. Not only does Sky Blue Credit have an "A+" rating from the Better Business bureau, but there were only 3 complaints filed with the BBB in the last three years. That's almost unheard of in any industry, not just credit repair. Better yet, in most places we looked, Sky Blue Credit's reviews were almost always a perfect 5 stars. One person pointed out that the person with whom they spoke didn't try to oversell them; instead, when the rep determined that this wasn't going to be the right path for the customer, they pointed her in another direction. Another raved about the fact that they got a call from Sky Blue Credit saying that the client should take a break from paying for services, since their credit situation had reached "optimal" status - imagine that, a credit repair company that doesn't keep billing you indefinitely! A third client, who works as a mortgage lender and frequently has to refer prospective homebuyers to credit repair services, said that he was so impressed with his personal experience here that he'll refer all of his future clients to Sky Blue Credit. It's hard to find anyone with something bad to say about this company, and we love that.

Best Credit Repair Companies

#1 credit repair service by far

You'll have no problem understanding why Sky Blue Credit remains at the top of our list for another consecutive year. Everything about this credit repair service conveys trust and ease, from the easy-to-navigate website to the hand-in-hand approach to client support. This company delivers on its promises, and so we can't recommend Sky Blue Credit any more highly. If credit repair is on your urgent to-do list, this 5-star service should be your first pick.

On the Sky Blue Credit website

Continued from above...

Which Credit Repair Service is the Best?

Credit scores are like the gatekeepers to many financial opportunities in life, from buying a car to getting approved for a mortgage. However, many people don't fully understand what goes into a good credit score - or how easy it can be to damage one. That's where credit repair comes in - a process designed to help you improve your credit profile and unlock those financial doors.

First, let's break down what can hurt your credit score. It's more than just missing a bill payment. Applying for too many credit cards in a short period, carrying high balances on your accounts, or even becoming a victim of identity theft can drag your score down. These issues can make it harder for you to secure loans, rent an apartment, or even get decent insurance rates.

Unfortunately, many people don't realize they have credit problems until it's too late. Maybe you're trying to buy a home, and your application gets denied because of something on your credit report. Or perhaps you're only being offered high-interest rates on loans due to a low credit score. In these situations, credit repair services can be a lifeline.

Credit repair involves identifying and challenging inaccurate or outdated information on your credit report. This can include errors like late payments you didn't actually miss, accounts that aren't yours, or debts that should have been removed after bankruptcy. While you can do this on your own, it can be time-consuming and frustrating, especially if you're not familiar with how credit reporting works.

That's why many people turn to credit repair services. These companies specialize in reviewing your credit report, spotting errors, and disputing them with the credit bureaus on your behalf. Some even offer additional services like credit monitoring, personalized financial coaching, and sending cease-and-desist letters to debt collectors.

When considering credit repair, it's important to keep realistic expectations. It's not a magic solution that will instantly boost your credit score by hundreds of points. In fact, most people see modest improvements, often in the range of 40 to 100 points. Fortunately, even a small increase can make a significant difference in your financial options.

If you're thinking about using a credit repair service, here are a few things to keep in mind as you compare your options:

Credit repair isn't just about fixing your score - it's about giving you the tools and knowledge to maintain good credit in the long run. To help you find the right provider, Top Consumer Reviews has researched and ranked today's most popular credit repair services. Use this information to choose a partner in your journey towards financial stability - you've got this!

Slide Down Image Left Slide Image FAQ Image Slide Image Twirl Image

Credit Repair Company FAQ

What is credit repair?
Credit repair is just like it sounds: a process by which your credit history and score are improved. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies.
Do I qualify for credit repair services?
That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. Most credit repair services offer a free consultation, to determine if you're eligible for their help and which approach to take in your specific case.
How much does credit repair cost?
Credit repair services typically charge a one-time setup fee and monthly service fees. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. You might get a discount if you sign up as a couple, or if you're a current or former member of the military.
Why should I use a credit repair service? Can't I do it all by myself?
Most of the actions taken on your behalf by a credit repair service can be done on your own. But, how much time do you have? Are you typically available to make calls during business hours? Hiring a credit repair provider can save you a significant amount of time and hassle. And, there's something to be said for letting the experts do the work, using their knowledge and connections to ensure that your credit repair process is done effectively.
What should I expect once I sign up for credit repair help?
The first step with any credit repair service will likely involve a thorough review of your credit report. Your representative will discuss your credit history in detail, help you identify actionable items, and give you a recommendation for which services are best suited to your needs. From there, credit repair providers work diligently to address the issues and resolve them, for as long as you maintain your subscription to their services.
How long will it take to repair my credit?
Most services state that you'll see negative items removed from your credit history within the first 90 days. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances.
Is there a guarantee that my credit score will improve?
Sometimes. A few credit repair services guarantee that you'll see those deletions within the first three months, and you'll get a refund of any fees paid if that doesn't happen. Other providers actually specify a minimum credit score improvement. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member.
Are companies offering credit repair too good to be true?
Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. On the other hand, there are companies that don't deliver what they promise. Be sure to check out the reputation of any credit repair service you're considering: customer feedback, number of years in business, and the service's BBB rating are all helpful indicators of a provider's trustworthiness.

Compare Any 2 Products

Sky Blue Credit
Credit Saint
Credit Firm
The Credit People
Pyramid Credit Repair
Credit Repair Consultants
The Credit Pros
Credit Monkey
vs
Sky Blue Credit vs Credit SaintSky Blue Credit vs Credit FirmSky Blue Credit vs The Credit PeopleSky Blue Credit vs Pyramid Credit RepairSky Blue Credit vs Credit Repair ConsultantsSky Blue Credit vs The Credit ProsSky Blue Credit vs Credit MonkeyCredit Saint vs Credit FirmCredit Saint vs The Credit PeopleCredit Saint vs Pyramid Credit RepairCredit Saint vs Credit Repair ConsultantsCredit Saint vs The Credit ProsCredit Saint vs Credit MonkeyCredit Firm vs The Credit PeopleCredit Firm vs Pyramid Credit RepairCredit Firm vs Credit Repair ConsultantsCredit Firm vs The Credit ProsCredit Firm vs Credit MonkeyThe Credit People vs Pyramid Credit RepairThe Credit People vs Credit Repair ConsultantsThe Credit People vs The Credit ProsThe Credit People vs Credit MonkeyPyramid Credit Repair vs Credit Repair ConsultantsPyramid Credit Repair vs The Credit ProsPyramid Credit Repair vs Credit MonkeyCredit Repair Consultants vs The Credit ProsCredit Repair Consultants vs Credit MonkeyThe Credit Pros vs Credit Monkey Credit Monkey vs The Credit ProsCredit Monkey vs Credit Repair ConsultantsCredit Monkey vs Pyramid Credit RepairCredit Monkey vs The Credit PeopleCredit Monkey vs Credit FirmCredit Monkey vs Credit SaintCredit Monkey vs Sky Blue CreditThe Credit Pros vs Credit Repair ConsultantsThe Credit Pros vs Pyramid Credit RepairThe Credit Pros vs The Credit PeopleThe Credit Pros vs Credit FirmThe Credit Pros vs Credit SaintThe Credit Pros vs Sky Blue CreditCredit Repair Consultants vs Pyramid Credit RepairCredit Repair Consultants vs The Credit PeopleCredit Repair Consultants vs Credit FirmCredit Repair Consultants vs Credit SaintCredit Repair Consultants vs Sky Blue CreditPyramid Credit Repair vs The Credit PeoplePyramid Credit Repair vs Credit FirmPyramid Credit Repair vs Credit SaintPyramid Credit Repair vs Sky Blue CreditThe Credit People vs Credit FirmThe Credit People vs Credit SaintThe Credit People vs Sky Blue CreditCredit Firm vs Credit SaintCredit Firm vs Sky Blue CreditCredit Saint vs Sky Blue Credit

Choosing a Credit Repair Company

If your credit score needs some professional help here's how to search for a quality credit repair company.

Start at the Computer
Searching online for a credit repair company provides many benefits in finding and choosing the right service provider for you and here's why:

Look for These Characteristics
When searching for the best credit repair company look for the following characteristics in a quality company before making your selection:

Only the Best Reviews

Investopedia

How Fast Can You Repair Your Credit? These Factors Matter Most

Improving your credit after taking a hit isn’t always easy, but it’s doable. It depends on what happened, how long it’s been, and the positive credit history you have.

Mon, 30 Jun 2025

Only the Best Reviews

Investopedia

Take These 11 Steps to Rebuild Your Credit After Bankruptcy

Bankruptcy damages your credit and stays on your credit reports for years. Fortunately, you can rebuild your credit score with these smart financial strategies.

Mon, 30 Jun 2025

Only the Best Reviews

Houston Chronicle

How to Start Your Own Credit Repair Business - Chron.com

The demand for credit counselors and repair specialists has never been greater, and you don't need a college degree to start your own credit repair business. You can learn how to start a credit ...

Fri, 30 May 2025

Only the Best Reviews

AOL

The laws behind credit repair - AOL

Federal and state laws protect consumers from unfair practices by credit repair companies. State laws often enhance federal protections by requiring credit repair companies to be licensed and ...

Thu, 16 Jan 2025

Only the Best Reviews

Newsweek

How to Fix a Bad Credit Score Through Credit Repair

Credit repair services help fix credit mistakes on your credit report. You can hire help with this process or do it on your own.

Thu, 09 Jan 2025

Only the Best Reviews

Yahoo Finance

Best credit repair companies—and what they do well

Credit repair companies can identify and remove inaccurate or incomplete information from your credit reports, with the goal of improving your credit history and score.

Fri, 23 Aug 2024

Top Products.  

Top Reviews.  

Top Consumer Reviews.

Reviews 

Browse through thousands of reviews.

Social Media 

Like us?  Follow us!  We'd love to have you join our community.

Newsletter 

Stay up to date with the latest reviews. We'll keep you informed, and we'll never sell your information to anyone.