Sky Blue Credit Repair examines your entire credit history to uncover any factors that may negatively impact your credit score, along with solutions to rectify them. The company asserts that it can be more efficient than individuals working on their own and boasts a higher success rate due to its extensive experience in credit repair. This review provides insights into their services, client feedback, reputation, as well as the pros and cons of working with Sky Blue Credit Repair.
Overview of Sky Blue Credit Repair Program
Headquartered in Boca Raton, Florida, Sky Blue Credit Repair has been a prominent player in the credit repair industry since 1989. Their friendly and professional staff assist clients in improving their credit scores by analyzing credit reports and developing tailored strategies based on individual circumstances. Additionally, the company collaborates directly with credit bureaus to dispute inaccuracies and resolve related issues.
Does It Really Work?
With over 30 years of experience, Sky Blue Credit Repair is a trusted name in the industry. Their services come with a money-back guarantee, and they have received numerous positive reviews confirming their effectiveness. If you’re in search of a reliable credit repair company, Sky Blue stands out as one of the top choices currently available.
How Long Does Sky Blue Credit Repair Take to Work?
The duration of the credit repair process can vary from 1 to 6 months, depending on the number of disputes. On average, Sky Blue typically resolves credit repair issues within 3 to 6 months, although this timeframe may shorten if there are only a few inaccuracies to address on your reports.
Can It Remove Late Payments?
A goodwill letter is a strategy employed by Sky Blue Credit Repair to address late payments. This letter serves as a request to your creditor to have the negative incident removed from your credit history. It’s not a dispute and does not challenge negative items with credit bureaus. Goodwill letters are most effective for late payments that are over six months old after demonstrating six months of timely payments.
Sky Blue Credit Repair
Sky Blue Credit offers a single option featuring broadly applicable services, with the flexibility to tailor your strategy according to your specific needs.
Additional Services Included in the Contract
Sky Blue Credit offers various optional services that are automatically included in your monthly fee.
Ease of Use
The online setup process is simple and user-friendly. Through the Sky Blue portal, you can easily start or stop your service as needed. Client feedback consistently praises the smooth online registration for credit repair.
Follow these steps to get help from Sky Blue as quickly as possible:
Sky Blue will provide a detailed report highlighting challenging items on your credit history based on the following:
Afterward, you can decide which items you wish to dispute. Further, you will receive tailored advice on ways to improve your FICO score.
At any time, you can easily pause your services with a single click through the Sky Blue portal. Fees will be suspended until a future date or at your request.
Sky Blue offers outstanding service, making it an excellent choice for anyone requiring credit repair. Notably, all their services are available for one fee, and they provide refunds if they’re unable to assist you.
Sky Blue Customer Service
Sky Blue Credit can be contacted by phone at (800) 790-0445 from 9 AM to 7 PM EST, Monday through Friday. They also allow you to leave a message via their contact page. Though they do not offer live chat or an app, customers can manage their accounts online anytime by signing in.
Do Their Services Require a Long-Term Contract?
Sky Blue Credit does not require a long-term contract. You can easily pause or cancel your subscription anytime by logging into your account, contacting customer support, or sending a message. There are no fees for cancelling your membership.
Pricing
The initial review/setup fee is $79. After the first six days, there is a monthly charge of $79. By signing up as a couple, you can save significantly: the initial fee for two people is reduced to $119, with a monthly charge of $119. With Sky Blue’s money-back guarantee, you can request a refund within the first 90 days, and you’ll receive reimbursement for both the monthly subscription and the startup fee.
Company Reputation
We can evaluate the reputation of credit repair companies by referring to the Consumer Financial Protection Bureau’s (CFPB) complaint database. However, it’s essential to understand that a lack of complaints does not necessarily equate to a positive reputation.
Over the past three years, five complaints have been lodged against Sky Blue Credit with the CFPB, primarily concerning customer service. These issues were resolved promptly, according to the CFPB.
User Reviews
Prospective customers have reported that during their free consultations, they were informed their credit did not warrant assistance from Sky Blue. In a commendable gesture, the company directed them to a free credit education page to help them improve their credit on their own.
Many clients who utilized the services praised the customized options that suited their needs perfectly. They found the customer service representatives to be knowledgeable and very helpful.
One review noted that Sky Blue refunded a client’s payment because they didn’t believe the regular dispute process would yield success.
Alternatives to Sky Blue: Comparison Chart
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– Score guidance – Debt management – Coaching: one-on-one – Credit disputes |
– Identity theft Insurance – Hard inquiry disputes – Debt management – Credit monitoring |
– Debt management – Credit disputes |
– Credit monitoring – Hard inquiry disputes – Identity fraud insurance |
– Credit tracking – Identity fraud – Debt management – Credit disputes |
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– Phone – Live chat, login dashboard |
– Phone – Live chat |
– Phone – Online – Live chat – Mobile app |
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– Goodwill – Cease and Desist – Debt Validation |
– Charge offs – Bankruptcies – Repossessions – Liens – Collections – Delayed Payments |
– Delayed Payments – Collections – Liens – Charge-Offs – Bankruptcies – Repossessions |
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Maximum Limit of Disputes Per Month |
19 for every 45 to 60 days |
Lower-tier packages – not stated. Top-tier package – unlimited |
19 for every 45 to 60 days |
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$99.95 ($24.99 per customer support) |
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$89.95 ($24.99 per customer service) |
Sky Blue FAQs
You can use Sky Blue Credit for as long as you feel you are getting value from the service. There is no fixed term for membership services.
Yes, Sky Blue provides comprehensive credit repair services, particularly in cases of identity theft.
Sky Blue Credit has a straightforward cancellation policy. You are free to cease using their services whenever you’d like. Just utilize the contact information on their website to send a message or call Sky Blue Credit directly.
There are no fees for reports. Upon signing up for Sky Blue Credit, they will help you obtain your free credit reports, which are provided by independent companies and credit bureaus. These reports are always free, don’t involve any trial runs, and won’t impact your credit scores when acquired.
Yes, you can pause your services at any time. Sky Blue aims to reduce stress for you and your budget. You may pause, resume, or even adjust your payment date using your profile or by calling their office.
No, you do not ever need to upgrade. Sky Blue will not charge any additional fees for extra services, as they have only one plan that covers a complete evaluation to find the issues affecting your credit, personalized credit restoration advice, ongoing dispute letters to credit bureaus, and much more.
Final Verdict: Is It Really Worth It or Not?
The credit repair services from Sky Blue Credit are fairly straightforward, with no hidden fees. Their pricing is standard for the industry, but the quality of service stands out due to a customer-focused approach, a generous cancellation policy, and a notable 90-day satisfaction guarantee. However, they could improve customer education, and currently, they do not offer credit management alternatives.
