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      January 18, 2020

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Sky Blue Credit vs Veracity Credit

Best Credit Repair

To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of Sky Blue Credit and Veracity Credit.

To see ALL of our reviews for the Best Credit Repair Services, please Click Here

Who's the best credit repair company? Most Americans know that a good credit score and credit history are important. That one number, your credit score, can determine your ability to get a loan for school or for a car, be approved as a tenant, or to qualify for a credit card.

Unfortunately, when your credit history is less than fantastic - because of making payments after the due date, having too many credit inquiries, or even having mistaken information associated with your identity - you'll have fewer options when you need to make a major purchase. You may even have to pay higher than average rates on your car insurance or your mortgage.

Continue reading below reviews

Best Reviews

2020

Credit Repair Reviews

5 stars
Sky Blue Credit

SKY BLUE CREDIT

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Cost:

Monthly fees of $69/month for individuals and $99/month for couples

One-time review/setup fee of $69

Credit report fees of $14.95 per month or one-time for $39.95

Phone:

1-888-906-1327

TopConsumerReviews.com Best-In-Class Blue Ribbon Award Since 1989, Sky Blue Credit has provided credit repair and restoration services to clients in all 50 states. They are proud to offer Best in Class Support, giving customers "a happy, stress-free experience" as they work towards true, lasting credit improvement.

Sky Blue is legendary when it comes to their costs - in a good way. First, you won't pay a dime until you complete an initial review and setup with one of their representatives. If that review shows that SkyBlue can't help you, they'll tell you so - at no cost. We found many customer reviews that confirmed that's the case; people were pleasantly stunned to get great advice with actionable items that improved their credit even though they didn't wind up paying for the service. If the review does show that Sky Blue is a good partner in your pursuit of credit repair and you choose to work with them, you'll then pay a one-time setup fee of $69. Your monthly fee - $69/month as an individual or $99/month as a couple - isn't charged until a month later.

You can also pause your membership with just a click of a button in your online portal, along with being able to cancel at any time. Best of all, Sky Blue offers the only condition-free guarantee among credit repair services: within the first 90 days of your subscription, you can cancel for any reason and get a full refund of anything you've paid up until that point.

After signing up with SkyBlue, the process of working with them is very simple:

  • First, you send them a copy of your credit report. SkyBlue gives you links to their top choices for obtaining your report.
  • Next, SkyBlue performs a detailed review of your credit report, going over it line by line. They do this in order to identify items that are hurting your credit score, and determine the best ways to improve it.
  • Finally, SkyBlue challenges the credit bureaus with all their findings, and stays on them until everything is resolved.

In order to improve your credit score, Sky Blue includes an extremely comprehensive suite of services in their monthly fee, especially when compared with other credit repair services that charge twice as much for the same features. These services include:

  • Professional analysis to help select items to dispute
  • Fast disputes: 5 items per credit bureau every 35 days
  • Score assistance
  • Credit rebuilding guidance
  • Debt validation
  • Goodwill letters
  • Debt settlement/negotiation consultations

We also recommend that you browse their helpful Education Center. You'll find a well laid-out set of resources that include tutorials on Credit Repair and Credit Scores, How-To Guides, Credit Tips, and 22 categories of Q&A. along with the Sky Blue Blog.

All of Sky Blue's recent customer reviews show that the business is doing an amazing job at helping clients repair their credit effectively and quickly for the most affordable prices in the industry. Sky Blue is the real deal, and we are pleased to award them our highest rating as the best credit repair company.

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1 star
Veracity Credit

VERACITY CREDIT

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Cost:

$49-$79 per month

Sign-up fees of $69-$99

For several years, Veracity was a credit repair service that people could turn to. According to their site, they continue to offer two plans for helping you improve your credit report:

  • Select: for a $69 sign-up fee that includes an analysis of your credit report (that you will need to provide) and then a $49 monthly subscription, Veracity will send dispute letters to all three major credit bureaus on your behalf.
  • Platinum: for a $99 sign-up fee that includes your credit report (that Veracity pulls for you) and a $79 monthly subscription, you'll also get priority processing (your account will be set up within 1 business day instead of 5-10 business days with the Select plan)

If you're thinking that it shouldn't cost $30 to pull your credit report, and then an extra $30 each month just to have your account set up more quickly, you're right! With most of the higher-ranked credit repair services in our review, it doesn't cost that much money.

The Veracity site advertises that they're accredited by the Better Business Bureau. That may have been true in the past, but at the time of our review, this credit repair service was not accredited and actually had an "F" grade. Why? Company owners Daryl F. and Wendy M. Yurek were found guilty of tax evasion and bankruptcy fraud in 2017 and sentenced to serve time in jail.

Would you entrust this business with repairing your credit? We wouldn't either. Fortunately, there are much more trustworthy credit repair services, so we encourage you to browse the higher-rated services in our review.

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Continued from above

Using a reputable credit repair company puts you back in control of your financial reputation. These services work on your behalf to reduce or eliminate any negative factors in your credit history, working directly with collection agencies, creditors, and even with the three primary credit bureaus. With the help of a credit repair company, you can improve your score and even put a stop to negative information being reported on your accounts. Most services take several months before you see measurable results on your credit report, so adjust your expectations accordingly.

With so many services advertised in the media and online, how can you tell if a credit repair company is reputable and effective? As you compare the various providers, here are several criteria to keep in mind:

  • Reputation. What do past and current users of the credit repair service have to say about the experience? Is the company accredited and/or rated by the Better Business Bureau?
  • Cost. What will you pay to fix your credit history? Should you expect a one-time fee or a monthly payment structure? How do the costs compare with other providers'?
  • Guarantee. Does the credit repair service guarantee that they will improve your credit score and/or history? Can you get a refund if you are unhappy with their service for any reason?

TopConsumerReviews.com has reviewed and ranked the best credit repair companies available today. We hope this information helps you find the right credit repair program that meets your needs and gets you on your way to an improved credit history!

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