Sky Blue Credit is a credit repair company that has a strong focus on customer service. They also make sure you know that no one on their staff is on commission. There’s no pressure for sales, simply a passion for helping people clean up their credit.
There aren’t unneeded products on offer here, the sole focus is on credit repair. The company has been around since 1989 offering both credit repair and restoration services. Sky Blue Credit also has a strong focus on the Credit Repair Organizations Act, and ensures that their practices are always in line with the latest standards and ethics.
With a national presence, and the proper licenses and surety bonds, everything is certified and up-to-date here. This Sky Blue Credit review will help you see the potential of a high-quality credit repair service.
- Fastest industry disputes
- 90-day money back guarantee
- Credit score & rebuilding assistance
What Makes Sky Blue Credit a Great Choice For Credit Repair?
Sky Blue Credit has something they call “The Sky Blue Difference.” This refers to their relentless focus on great customer service experiences. It all starts with the signup process. This form is simple and quick, allowing you to get started in less than 2-minutes!
They accept all major debit and credit cards, with the option to cancel anytime you wish. There are no contracts or obligations. They offer a pro credit report analysis and disputes with the three major credit bureaus.
Their signature FICO Score assistance helps you understand how you can empower yourself to help rebuild your credit as well. They even offer discounts for couples!
Beyond all of this, these are some of the unique features offered at Sky Blue Credit repair:
1. Fast Disputes
Sky Blue Credit immediately gets to the heart of the situations by quickly filing disputes with the creditors and credit bureaus based on errors or discrepancies in your credit report. They dispute 5 items per bureau (15 total) every 35 days. This is the fastest speed of disputes in the industry!
2. Professional Analysis
Other credit repair companies can sometimes miss out on important details based on knowledge of credit laws or just because they have a lack of experience. Sky Blue Credit has experienced team members scour your credit report for even the most subtle dispute options.
This way, everything that can possibly be disputed is addressed for you.
3. Score Assistance
Ultimately, the goal of credit cleanup is to improve your credit score. This is a process that takes time, and there are no guarantees. With so many factors that affect your credit score, Sky Blue Credit is dedicated to helping you understand what you can do to personally improve your scores.
They will offer specific actions you can take to see real improvements in your score over time.
4. Credit Restoration
With the help of Sky Blue Credit, you’ll soon be able to open new credit cards and learn how to manage them in terms of balances. This will help improve your FICO score by showcasing a strong budget and financial knowledge base.
5. Additional Services
Along with your credit repair services, you’ll also find that Sky Blue Credit offers a wide range of tools and options to help you better understand how your credit works and what you can do to improve your financial future. This, combined with their services, will empower to reap the benefits of this knowledge long into the future.
6. Satisfaction Guaranteed
Sky Blue Credit is absolutely certain that you will love the service you get from them. While results cannot be guaranteed, the level of professionalism and complexity to their disputes will ensure that you have the best possible chances of seeing negative items removed from your report.
That being said, the company does offer a full 90-day money back guarantee. If you’re not happy with the results you’re seeing during this time, you can simply tell them why, and they will refund you in full.
7. Personalized Solutions
While other credit repair companies will sometimes offer a “one-size-fits-all” approach, Sky Blue Credit doesn’t do this. They understand that each person’s situation is completely different and requires a unique approach.
That’s why every client they take on receives a solution tailored to their needs and disputes based on their specific credit reports and supporting documents.
8. Experience-Backed Strategies
The immense amount of experience Sky Blue Credit has in the industry makes them uniquely capable of analyzing credit reports in better detail than more other credit cleanup services. By looking for tiny details and issues in compliance with credit laws, they can easily pinpoint situations where your credit score is being damaged when it shouldn’t be.
By pinpointing these errors, they can easily bring a solid case to the creditors and credit bureaus. This will ensure that the issue is remedied and the negative elements removed from your report.
How Much Does Sky Blue Credit Charge For Credit Repair?
In the spirit of providing you with a single and focused service, Sky Blue Credit offers a single plan that costs $59 per month. This is a competitive pricing option compared to others in the industry. They also offer a couples discount that allows two people to be evaluated for $99 per month.
As per credit laws, Sky Blue Credit does not charge you until work is completed. Furthermore, there are no contracts, which means the service is a “pay as you go” type of company. Service can be canceled at any time without any risk of fees or penalties.
The lack of confusing upgrades or multi-tiered plans makes this a very simple and easy to understand solution. Remember, you’re getting all of this for that price:
- Professional analysis of disputes and opportunities
- The fastest dispute in the industry (15 every 35 days)
- Credit score assistance and actionable advice
- Guidance for rebuilding and maintaining new credit cards for optimal FICO scores
At no extra cost, you’ll also have access to features like goodwill letters, debt validation, and negotiation guidance. These types of features would normally cost extra at other credit repair companies, but here at Sky Blue Credit, they are included with the standard plan at no extra cost.
Furthermore, the one-time review and setup fee is not charged for six days. The monthly fees don’t begin until the following month when work has been completed the prior month. You won’t need to word about additional plans or upgrade options either. Everything you need is included in the standard plan.
In order to get started, you will need to provide Sky Blue Credit with the 3-bureau credit reports to start. A new report may also be required occasionally to check on your progress. When you sign up, you’ll find that there are several options for your monitoring service. These are usually $29.95 per month or a one-time purchase of $29.95.
How Does The Sky Blue Credit Process Work?
Credit can be an extremely confusing aspect of your finances. There are so many different factors that affect your score, all of which are also affected by the bureaus and various scoring systems. Sky Blue Credit makes things easy for you by creating a three-step process:
1. Signing Up
Getting set up with Sky Blue Credit is as simple as their pricing model. The signup form on their website simply requires the following information:
- Name
- Address
- Phone number
That’s it! From there, you can take advantage of the couples discount if you are signing up for yourself and a significant other. You will be provided with updated information on when to expect your first bill and information on how banks place holds on funds in the meantime.
You will also be notified of the requirement to provide the 3-bureau report at the time of your sign up for the price of $29.95. From here you will be walked through the process on how to obtain the 3-bureau report and finish the signup process. Once you’ve finished with this, we can move on to step two!
2. Review and Analysis
When Sky Blue Credit receives your credit report, their work truly begins. They start by utilizing their experienced professionals to look at your credit report line-by-line. During this time, they will pinpoint any and all opportunities for you to open disputes with either the credit bureaus or the creditors themselves.
When they have completed this analysis, they will send you an email with an explanation of each dispute. This way you can review and make sure you agree with their findings. These disputes will target derogatory accounts on your credit report which do not follow the credit laws.
This also includes any questionable items you may decide to challenge as well. The email is structured as a simple list for you to quickly scan and review. At this time, you can add or subtract items as you feel are needed. You can also request a personal consultation before the disputes begin.
This same email can also include potential actions for you to take to further assist in the processes to come. This can take the form of actionable advice, or the need for supporting documents.
3. Disputing Your Claims
The final step is the crux of credit repair and involves directly contacting the credit bureaus themselves. During this process, Sky Blue Credit will send the items you approved in step two, to the three credit bureaus: Experian, Equifax, and TransUnion.
The responses from these disputes will come back to you directly so you can see the results they provide. If the result you get aren’t what you wanted, Sky Blue Credit will re-dispute the claims with new letters that have a high chance of getting the results you want.
Sky Blue Credit Repair Review: Frequently Asked Questions
Before we wrap up our Sky Blue Credit review with a final verdict, let’s take a look at some common questions people have had about Sky Blue and credit repair in general:
1. When Will I see Results?
Sky Blue Credit has the fastest dispute times in the industry. The company sends out dispute letters within a week after signup. The credit bureaus can take up to 30-days to process disputes. Within a month, you should have results in some form.
2. How do I Sent My Credit Reports?
Once you’ve finished the signup process, you’ll be given login information to access your 3-bureau credit report online. You simply need to provide this information to Sky Blue Credit, and they can get to work.
3. Does a Credit Report Request Affect my Credit Score?
You can rest assured that requesting your 3-bureau credit report will not affect your score in any way.
4. How Long Does Credit Repair Take?
It is extremely dependent on the specific customer, but the average time a customer spends with Sky Blue Credit is six months. That being said, the amount of time you will need depends on how many items on your report are being disputed.
After you’ve finishing signing up with Sky Blue Credit, they can provide a better estimate for how long it will take to get your credit moving in the right direction.
So, Is Sky Blue Credit Worth It?
We’ve come to the final segment of our Sky Blue Credit Review. In a world where credit is extremely complicated and credit repair can be just as confusing, Sky Blue Credit makes it easy to understand and even easier to get started.
Sky Blue’s unique pay-as-you go structure for pricing and instant results are unmatched features that put them over the top. Their iron-clad guarantee, A+ rating with the Better Business Bureau (BBB), and 25+ years of industry experience is simply unbeatable. We had the best experience with Sky Blue’s credit repair service.
