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Sky Blue Credit vs Lexington Law

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SKY BLUE CREDIT

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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LEXINGTON LAW

For many years, Lexington Law was the provider of choice for credit repair services. Why? With more than 27 years of experience and millions of negative items deleted from customers' credit histories every year, it's easy to see why people turned to them for credit repair.

We're still of the opinion that they have something to offer when it comes to credit repair, so we'll get to their packages shortly. First, however, it's important to understand two things: their fees have nearly doubled over the last five years, which could be related to having reached a settlement in Maryland over allegations of not conducting their business properly with respect to all legal requirements within the industry. This changed their grade with the Better Business Bureau; at the time of our last review, Lexington Law enjoyed a respectable "A-", but during our most current survey of their services they were designated as "Not Rated" while the BBB reevaluates their score.

Lexington Law is more expensive than many credit repair services. They have 3 tiers of service:

  • Concord Standard: priced at $89.95/month, you'll get help with credit bureau challenges and creditor interventions.
  • Concord Premier: priced at $109.95/month, your service adds credit score analysis, help with confronting unfair credit score damage (InquiryAssist), coaching on how to address credit report changes when they happen (ReportWatch), and daily monitoring of your score at TransUnion.
  • PremierPlus: priced at $129.95/month, this top level of service also includes Lexington sending cease and desist letters in your behalf, tracking your FICO score, identity protection services, and personal finance tools.

With what they charge, is Lexington Law effective at helping people improve their credit history? As you'd expect with such a large business, the reviews are mixed. Most credit repair services are criticized for not making noticeable improvements in less than two months, but that's to be expected. But, Lexington seems to have a higher-than-average number of people who say that they didn't get prompt responses from company reps, not just that their reports didn't improve quickly. On the other hand, we found numerous people saying that their credit scores improved dramatically as they stayed with the service, usually for six months on average.

Lexington Law's track record within the credit repair industry has helped keep them afloat, but their higher pricing and troubles with their BBB rating have dropped them to the middle of the pack compared with the competition.

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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 Lexington Law.

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:

  • 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!



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:

  • If you do your credit repair research online you avoid the annoying sales pitch from a pushy salesman that is most concerned about their next commission check.
  • Perform your research when it's most convenient for you, in the quiet of your home and without children playing or co-workers nearby.
  • The internet allows you to quickly identify the services of several credit repair companies at once. If you are looking for credit dispute offerings plus advice on how to improve your credit score long term you can easily identify what companies offer this level of service.
  • Knowing what several companies charge for their repair services provides you the knowledge to make an educated decision. Feel confident that you are improving your financial outlook and doing so while saving money over other providers.
  • The internet will allow you to read and educate yourself on the Fair Credit Reporting Act that governs credit agencies, promotes accuracy in reporting and regulates how negative information is reported and disputed.

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:

  • Make sure you identify a credit repair company with a solid reputation before considering it a worthy contender. Look for red flags like promises to wipe your credit clean with little effort, a request for a large payment upfront to cover costs, or discussions of creating a new identifier to fool the credit agencies.
  • Make sure you understand what you're signing up for. Will you be obligated to use the service for a specified period of time? Do they identify rules on how many disputes they will file in a specific period? Make sure you read the fine print and understand their policies before moving forward.
  • When you're working closely with your credit repair service you'll appreciate the convenience of companies that offer an online account for you to monitor the status of their efforts. Companies that require a lot of hand holding, phone calls, and emails are not going to be efficient.
  • You'll want credit repair company that puts the customer first. Companies that fail to return calls timely or are unprofessional on the phone are going to wear thin over time. Make sure you identify if your credit repair company of choice prioritizes the customer.

 



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