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Sky Blue is a credit repair company that helps people analyze their credit reports and dispute inaccurate or outdated items.

While anyone can dispute information in their credit reports — and you are entitled to a free credit report per year — the process can be complex and time-consuming. That’s where the knowledge and experience of credit repair companies comes in.

Here you’ll find an in-depth review of Sky Blue credit repair that covers what it offers and how it could help improve your credit.

Table of contents

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Sky Blue Credit Repair overview

  • 90-day money-back guarantee
  • 50% monthly discount for couples
  • Fast 35-day dispute period
  • Does not offer monthly credit monitoring
  • No budgeting or other financial tools

Sky Blue was founded in 1989 and is based out of Boca Raton, Florida. Its service is geared towards customers with low credit scores who want to increase their score in order to buy a home or access better interest rates. Its services include custom disputes, 35-day dispute cycles, score assistance and debt validation. It also has coaches on-call to help you navigate your way out of poor credit.

Sky Blue offers all these services for a standard monthly price of $79 for individuals, while couples get a 50% discount and only pay $119 a month.

New members have a 90-day period during which they can get a full, condition-free refund if they’re not satisfied with the service. Plus, you can pause your membership and fees at any time by visiting Sky Blue’s online portal.

Sky Blue’s services

Sky Blue’s multiple services help you dispute items in your Experian, Transunion and Equifax credit reports. First, it goes over your reports to find mistakes or inaccurate items and determine if disputing these items is the best course of action.

Sky Blue then uses custom dispute letters to state the reasoning behind the dispute and 35-day dispute cycles to shorten the overall process. Additional services include coaching sessions on-call or by request to learn how to rebuild your credit.

What it offers

  • Pro Analysis - Sky Blue makes a detailed analysis of your credit reports to spot reporting mistakes and identify risky disputes (accounts that fall within states’ statute of limitations and, if disputed, may trigger collection efforts or a lawsuit).
  • Faster Disputes - Unlike other credit repair agencies, Sky Blue uses a 35-day dispute cycle — that's at least 10 days faster than most competitors. This shorter cycle may accelerate the process of removing items from your credit report therefore helping you save on monthly fees.
  • Custom Disputes - Sky Blue creates custom dispute letters, explaining why you’re disputing an incorrect item and providing any necessary evidence. The same goes for any re-dispute letters if there's a need to challenge negative results.
  • Statute of Limitations (SOL) Research - States limit the length of time a collector has to sue you. If Sky Blue finds a collection that falls within the SOL, you’ll be consulted before filing a dispute so as to prevent collectors from intensifying collection efforts or initiating litigation.
  • Score Assistance - Once the dispute process comes to an end, the score-assistance service helps customers plan how to pay down or redistribute balances and suggests secured cards customers can open regardless of their credit history.
  • Credit Rebuilding - If Sky Blue credit experts find that you could benefit from new credit card accounts in order to improve your credit score, they will guide you in the process of opening and managing these new accounts.
  • Coaches-on-call - Customers can call or schedule a coaching session if they have any questions on credit offers, applications or anything else that has to do with their credit.
  • Extra Services - Sky Blue offers other services — help with goodwill letters, debt validation, cease and desist letters, debt settlement — that can benefit you and your credit goals.

What it doesn’t offer

  • Monthly credit monitoring - Sky Blue doesn't monitor your credit or alert you if there are changes. This is a drawback because keeping an eye on your current credit is just as important to improving credit scores as going back to dispute mistakes or errors.
  • Budgeting - While Sky Blue does have an education center that includes guides on creating a budget, this is not a personalized service, which differs from what’s offered by companies like Lexington Law.

Sky Blue’s pricing

Some credit repair companies, like The Credit People, offer multiple repair packages with different pricing. But Sky Blue offers a single plan for all customers. Additionally, Sky Blue provides a discount to couples who are looking to repair their individual credit scores. Here’s a closer look at how those costs vary.

Individual Couple
Today $0 $0
In 6 days Review/Setup Fee $79 $119
In 1 month First Monthly Fee $79 $119

This pricing style has pros and cons depending on your circumstances. On the one hand, you won't have to pay extra to access all of the features that Sky Blue offers its customers. On the other hand, there's no way to save money by only paying for the services you need. Whether this pricing model makes sense for you depends on the services you need and the cost comparison with alternative options you may be considering.

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Sky Blue’s credentials

Credit repair companies, including Sky Blue, are regulated by federal laws. The main agency that regulates the industry is the Consumer Financial Protection Bureau (CFPB), which was created to protect consumers from fraud or other predatory practices carried out by lenders, banks or any other financial institution.

Licenses and registrations

Sky Blue is regulated by the Credit Repair Organizations Act (CROA), a federal consumer protection law enacted in part to prevent credit repair agencies from engaging in false or misleading advertising.

Awards and certifications

We did not find any awards or certifications for Sky Blue.

Third-party ratings

Sky Blue is not accredited by the Better Business Bureau anymore (companies need to pay annual fees to keep a BBB rating). However, when it was accredited it had an A+ rating and a customer review rating of 3.67 out of 5.

Regulatory or legal actions

We did not find any pending regulatory or government actions involving SkyBlue.

Sky Blue’s accessibility

Sky Blue offers its services to residents of all 50 states, Puerto Rico, Guam, the Virgin Islands and military personnel stationed around the world.


Customers can only contact Sky Blue by phone or email, as it doesn’t have brick-and-mortar locations. Members can manage their account on Sky Blue’s online portal.

Prospective customers can set up a free consultation through the company’s Contact Us page.

Contact information

Customers can email Sky Blue using its Contact Us page or call its customer service number at (800) 790-0445, which is available Monday through Friday, from 9:00 a.m. to 7:00 p.m. EST.

User experience

One of the few complaints among Sky Blue customers is that the initial fee of $79 is steep, yet we found that this fee is one of the lowest offered by the best credit repair companies that comprise our list.

In addition, Sky Blue makes up for this high set-up fee by offering a flat monthly fee with — as the company describes it — no surprise charges down the road. You can also pause your membership if you need a break or cancel at any time.

The Sky Blue website is easy to use, includes comprehensive information on its services and has an education center where it breaks down the basics of credit restoration and how long the process usually takes.


The main limitation of Sky Blue’s customer support is that it doesn’t offer live chat or customer service outside of Eastern-time business hours. The only option available for online assistance is filling out the “Contact us” form and waiting for an answer.

Sky Blue’s customer satisfaction

There are no third-party ratings for Sky Blue from trusted sources beyond those reported by the Consumer Financial Protection Bureau (CFPB).

Customer complaints

Sky Blue has had just two complaints registered in the CFPB’s consumer complaint database in the last three years. One involved its customer service and another was filed by a former client who was dissatisfied with its services. Both were closed with an explanation and in a timely manner.

Third-party ratings

Although no longer rated by the Better Business Bureau, the BBB notes 11 complaints closed in the last three years it was rated (2018-2020). Most of these complaints had to do with billing and collections, and all were answered or resolved.

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Sky Blue vs. the competition

Sky Blue isn't the only company that can help you repair your credit. You should also consider alternatives, such as The Credit Pros and Lexington Law, before making a final decision. The table below should help you get started with your research.


Sky Blue Credit The Credit Pros Lexington Law
Services offered Custom disputes, statute of limitations research, score assistance, credit rebuilding services, on-call coaching Credit monitoring, inquiry disputes, identity theft insurance, credit building and repair services Creditor interventions, bureau disputes, ID theft insurance, report watch alerts
Monthly fees $79 for individuals, $119 for couples $69 to $149 $59.95 to $139.95
Money-back guarantee Yes, 90-days Yes, six months No
Additional features Goodwill letters, debt validation, cease and desist letters, debt settlement Creditor interventions, unlimited disputes, option of a one-time flat-rate payment plan Lost wallet protection, personal finance manager, junk mail reducer

Sky Blue FAQ

Does Sky Blue offer a money-back guarantee?

Sky Blue has a 90-day money-back guarantee. All you need to do is tell the company you're not satisfied and explain why within this time frame, and you will receive a full refund for any amount paid.

What are the differences between DIY credit repair and using a credit repair service?

DIY credit repair services give you a list of steps you can take to work on improving your credit. A professional credit repair service does the work for you, so all you need to do is pay a fee and let the company do its job to improve your credit.

What are Sky Blue's requirements for service usage?

There is no requirement you need to satisfy in order to become eligible for using Sky Blue. The company offers its services to anyone with credit issues they would like help resolving. However, they cannot solve actual debt issues. Before you repair your credit, work to resolve your unpaid bills and settle your debts.

Are there any alternatives to credit repair for improving credit scores?

One alternative to hiring a credit repair company is paying off any past-due balances you may have on your report. Doing this should improve your credit score. Depending on your debt load, this method may not cost much more than hiring a credit repair company.

Is The Credit People a reputable and accredited credit repair company?

The Credit People has been helping customers identify and solve credit problems since 2001. It's been featured in many major publications as well.

How we evaluated Sky Blue

To gauge Sky Blue’s standing as a credit repair company, we evaluated the services it offered and compared it to other credit repair industry leaders. We studied its services and pricing, focusing on how much it offered for the amount it charged. We also considered its site’s user-friendliness, customer reviews and the information it provides prospective customers.

Summary of Money’s Sky Blue Review

Sky Blue offers a detailed analysis of clients’ credit scores and credit reports, shorter credit report dispute cycles, personalized coaching and a number of other credit repair services at a flat monthly fee. If you wish to learn about other credit repair companies and compare their offerings with Sky Blue check out our list of the best credit repair companies.