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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:
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:
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.
Based in Florida, Credit Repair Consultants has been working to help people improve their credit for more than a decade.
Credit Repair Consultants' fees are hefty. Expect to pay an application fee of $189 - or $309 for couples - along with a monthly service charge: $59.95 for the Standard plan, $69.96 for the Premier plan, or $89.95 for the HomePlus plan:
This provider offers a 120-day refund policy on their enrollment costs: if negative items aren't satisfactorily removed from your credit report in the first 120 days or less, you can request a full refund of the enrollment fee. However, they'll keep $45 to cover the cost of ordering your credit reports.
Credit Repair Consultants also proudly proclaims that they offer a refund policy on your monthly fees. The catch? You have to be a customer for a full 12 months before you can request an evaluation of your account; if the service has successfully removed or improved your account, you may not get a refund at all. They will claim a credit of $60 for every deleted or improved item on your credit report, and then compare it to the fees you've paid. In other words, if you've paid for 12 months at nearly $60 and they've removed or improved 12 things on your credit report, you're not entitled to anything back.
Can you count on Credit Repair Consultants to deliver? Probably not. According to the BBB, they requested documentation from the service in 2013 and 2014, to show that they were in compliance with the FTC's standards for credit repair. As of our review, the BBB still hadn't received it. We also saw that it took the company more than 6 months to respond to a customer complaint online, and that the most recent articles in the "Credit Repair News" section of the website was from nearly two years prior to our review.
Expensive and unreliable? You don't need that when you're trying to repair your credit. We strongly recommend you choose a more responsive, affordable, and reputable credit repair service in our review.
Best Credit Repair Companies
To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of Sky Blue Credit and Credit Repair Consultants.
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.
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:
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!
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:
Credit Repair In The News
CHICAGO (WLS) -- Your credit score is the most important three-digit number in your life. Improving it can lead to savings of thousands of dollars over the life of a mortgage or car loan.
Published: Mon, 18 Mar 2019 11:53:00 GMT
Americans across the U.S. struggle with bad credit. When searching for a solution, credit repair companies seem like a great idea. For a fee, these companies offer advice or assistance to improve your ...
Published: Tue, 19 Mar 2019 23:42:00 GMT
GREENSBORO, North Carolina - We told you about UltraFICO - a way for people with poor credit or no credit to build their credit score. But secured credit cards promise to do the same thing. Most banks ...
Published: Fri, 08 Mar 2019 23:27:00 GMT
Atlanta, GA (CBS46) A low credit score can keep you from buying a home or a new car, or even getting a new job. It can take time to bring that score back up, but Better Call Harry and Consumer Reports ...
Published: Fri, 08 Mar 2019 07:03:00 GMT
Having good credit is really important, so it can be really frustrating when your credit score is lower than you'd like. So frustrating, in fact, that turning to a credit repair company may seem like ...
Published: Sun, 03 Mar 2019 06:30:00 GMT
It doesn't have to cost you a penny to repair your credit. Although you can use credit repair companies to help you get back on track, you can repair your credit yourself at no cost. Regardless of ...
Published: Sat, 23 Feb 2019 06:05:00 GMT
Miami-Dade County has found a solution to the dual homebuying affordability crisis, consisting of low credit scores and rising home prices. With more than half of the county's families spending in ...
Published: Thu, 21 Feb 2019 21:55:00 GMT
Getting that first credit card can be a real challenge if you have no credit history, because banks are often reluctant to risk giving you credit. However, Consumer Reports says a new type of credit ...
Published: Thu, 07 Mar 2019 21:45:00 GMT
*Indianapolis, IN - Quintel Sumrall knows what it's like to have low credit scores delay or increase the cost of purchasing a car or a home. After many years of being held down by bad credit and poor ...
Published: Tue, 26 Feb 2019 01:52:00 GMT
The Global Credit Repair Services Market status, future forecast, growth opportunity, key market and key players. The study objectives are to present the Credit Repair Services development in United ...
Published: Thu, 21 Feb 2019 13:40:00 GMT
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