Sky Blue Credit Repair Review

When it comes to improving your credit score, it can be overwhelming to know who to trust and which credit repair company is best for you. With so many options available, it’s important to do your research and make sure you’re choosing the right company for your needs. 

Understanding the services offered and how they can help you can make all the difference in finding the best credit repair company for your situation. It’s essential to learn about the company you’re considering, its credentials, and the cost of its services before signing up.

Doing this research upfront can save you time and money in the long run. With the right credit repair company, you can be on your way to a better credit score in no time.

But don’t worry, we’ve got you covered! As one of our top choices for credit repair services, we’ll look at Sky Blue Credit Repair in this article. The purpose of this article is to give you a complete overview of how the company operates, along with its pros and cons, so that you can make an informed decision.

Keep on reading to find out more.


Understanding Credit Repair Services and Costs

Before you sign up for a credit repair service, you need to understand what you are paying for and how they plan to help you. Credit repair companies can help you remove or correct negative or inaccurate information from your credit report. Some credit repair companies offer both options, while others specialize in one or the other. 

There are many factors that can negatively impact your credit score. This can include having too many credit accounts open, having a high percentage of your credit being taken up by debt, or having an old account that has been paid off for a long time.

Tips for Finding the Best Credit Repair Company

First, get a free copy of your credit report. This will help you find the problems on your credit report and see what needs to be corrected. 

Second, know what you want to achieve. Do you want to remove negative information from your report or correct inaccurate information? 

Next, ask around. Talk to family members and friends who have had credit repairs done. Ask them which company they used, how they liked the experience, and if they would recommend it.

Common Mistakes When Choosing a Credit Repair Company

There are a few common mistakes people make when choosing a credit repair company. 

The first mistake is a lack of research. Don’t just choose the first credit repair company you find. Take the time to do your research and make sure you are choosing the best company for your situation. 

The second mistake is a lack of communication. Make sure you keep in touch with the company and let them know what you want to achieve. 

Finally, don’t ever pay for one credit repair service multiple times. Credit repair should be done one time.

Sky Blue Credit Repair Company Overview 

In 1989, James and Steven Kemish founded Sky Blue Credit Repair in Boca Raton, Florida.

Their professional services can be used to remove negative and inaccurate records from your credit report. 

For over 30 years, Sky Blue Credit Repair has helped customers fix their credit.

They can also assist you in the following areas:

  • Validation of debts
  • Letters of goodwill
  • Credit bureau negotiation assistance

You can choose Sky Blue with confidence because of its extensive track record. Your credit may not improve significantly – no credit repair company can guarantee results – but you won’t lose money.

‘Shady’ is the norm in this industry. Among the reviews of credit repair companies, Sky Blue has the best customer ratings. Customer reviews often use words like ‘good’ and ‘great’ to describe their customer service. The only way to know what sets Sky Blue apart is to compare its customer reviews with those of its closest competitors.

All services offered by Sky Blue Credit Repair are covered by their plan. There are no ‘good,’ ‘better,’ or ‘best’ plans offered by them. 

All services are included in one plan for one price. 

Sky Blue Credit Repair Pros & Cons


  • Guarantees a 90-day refund

In the first 90 days after enrolling, Sky Blue will refund your money if you’re unhappy.


  • Membership can be paused or canceled easily

 You can cancel your membership without any additional charges by logging into the online portal, sending a message, or calling Sky Blue.


  • Provides services that can be customized

Additional services are available for free, such as coaching calls or mortgage preparation.



  • Monitoring of credit is not included

If you want to add credit monitoring services, you’ll need to sign up elsewhere; Sky Blue offers certain reports at a discount.


  • A limited number of dispute letter types are available

A debt validation letter, a goodwill removal request, a cease-and-desist request, and a hard inquiry dispute are the only types of correspondence Sky Blue will send. Some competitors offer more services, such as pay for deletion letters and Section 604 disputes.


  • There is no mobile app available

Sky Blue does not have a mobile app for checking progress and account information, unlike some of its competitors.



Sky Blue Credit Repair Services

Among the main services offered by Sky Blue Credit are:

  • Analysis by a professional
  • Dispute filing
  • Credit repair and score assistance

It can be difficult to examine credit reports. Professionals like Sky Blue Credit can review these reports without causing you any worry. Information that is unreliable, inaccurate, outdated, or incomplete can be identified using Pro Analysis. Since not all issues are equally important, and some can be detected more quickly than others, this type of guidance is vital.

Using the free credit reports available to you, Sky Blue Credit customizes a dispute and re-dispute letter for each case. You are more likely to succeed if you do this. Sky Blue Credit guarantees that the limitation period for a collection account is checked before beginning the dispute procedure for that account. 

In addition to providing professional credit repair services customized to meet your individual credit score optimization requirements, Sky Blue Credit also offers credit report dispute resolution services. Depending on your FICO score, they might advise you to create new accounts and settle your debts. 

All of this won’t be up to you alone. Sky Blue Credit guides each step of the process. On Sky Blue Credit’s website, the company states that it is not associated with any other companies.

The free consultation and free goodwill letters that Sky Blue Credit offers set it apart from its competitors. Additional services offered by some companies that offer credit repair are charged extra.

Additional Services

Sky Blue also offers the following free services:

  • Verification letters for debts
  • A letter of goodwill
  • Cease and desist letter
  • Negotiation/settlement of debt

In accordance with the Fair Debt Collection Practices Act, you can request debt validation. Debt validation is different from debt dispute – debt can be disputed whenever you want, yet you must validate it within 30 days of being sent a collection letter.

Validating a debt could be a tricky decision. You can usually find useful information about debt collectors and how much debt you owe by checking the amount of debt. 

There is a small risk, however, that your inquiry will escalate collection efforts. All of this is taken into account when Sky Blue Credit reviews your situation and recommends what course of action to take. A debt validation letter will be sent if needed.

Since the creditor has every right to refuse your plea, sending a goodwill letter does not guarantee success. There is a possibility of fewer negative marks on your credit report if the creditor accommodates your request. When deciding whether you would benefit from a goodwill letter, Sky Blue delivers an excellent job.

Similarly, a cease and desist letter is another service offered by Sky Blue Credit Repair. With a cease and desist letter, you can request your creditors to cease communication with you. Letters of cease and desist are very serious processes. It may lead creditors to believe that they can only collect their money through legal action. Thus, implementing it puts you at risk of being sued.

Debt repayment is the best option for credit repair. Negotiation and settlement services offered by Sky Blue Credit could help you get lower payments or even eliminate the debt completely. Some of these added services might not apply to every individual’s requirements for credit repair, and their addition can worsen a person’s financial situation. It’s best to steer clear of risky options when trying to fix bad credit yourself. 

In contrast, Sky Blue’s credit repair professionals can help you avoid the hassle of researching credit repair strategies and prevent you from causing more damage to the problem. 

Guarantee and Price

Sky Blue Credit offers no pricing packages. Monthly fees and setup fees apply. Sky Blue Credit Repair charges a one-time fee of $79 after reviewing your credit score and determining your eligibility for the company’s services. An initial setup fee is charged six days after signing up if Sky Blue Credit can help you clean up your credit report. Additionally, there is a $79 monthly fee.

After signing up with Sky Blue Credit, you’ll receive your credit records and be able to monitor them. Membership in Sky Blue includes this service for free. There is no extra charge for pausing your membership. Membership reactivation is as easy as logging in and clicking one button.

Couples can also take advantage of a special discount of $40 per month, which adds up to $119 per month for both members.

With Sky Blue Credit, you will receive a full refund within 90 days without any conditions. When a single deletion takes place, most companies’ guarantees cease to exist. To demonstrate its commitment to delivering results, Sky Blue offers a refund policy.

Service Speed

A typical dispute is filed within 45 days. However, Sky Blue Credit claims accelerating disputes yields better results. There is some debate about the effectiveness of this method since it’s not advisable to send as many letters or complaints as possible to credit bureaus. 

In spite of that, Sky Blue Credit repair allows users to review and dispute credit complaints five times. Sky Blue offers an efficient dispute resolution process. As opposed to most credit repair companies that only dispute a few items, Sky Blue Credit disputes a maximum of 15 items (5 items per credit bureau).

Repairing credit could be shortened by months as a result of this strategy, given Sky Blue Credit’s extensive experience.

Cancellation Process

Contact their customer service department by telephone at 1-800-790-0445 between 9 a.m. – 5 p.m. Monday through Friday (EST).

There will be no additional charges if you decide to cancel. Consider using their free ‘pause membership’ option instead of canceling your membership.

Paused memberships will not be billed until they are unpaused. Pausing or restarting your membership is free, and you can pause it anytime.

What Sky Blue Credit Repair Offers

  • Consultation on credit repair for free

For inquiries related to credit, sky blue credit representatives are available for one-on-one consultations in addition to the initial consultation, which generally is standard across the industry. 


  • Fast turnaround time for disputes

Sky Blue uses a 35-day cycle instead of the 45-day cycle used by most companies.


  • Opportunities for discounts

Sign up with a partner and receive a discount on the monthly fee; when purchasing together, the review/setup fee and monthly fee are both $119.


  • Refunds are available

If you’re unhappy with the service within 90 days of enrollment, you can request a refund.


  • Paused membership

Sky Blue can be paused and restarted at any time without paying a setup fee again if you want to take a break.

Sky Blue Credit Repair Contact Details

Since 1989, Sky Blue has been based in Boca Raton, Florida. Their address is 6001 Broken Sound Pkwy NW Ste 300, Boca Raton, Florida 33487. 

Sky Blue Credit Repair Availability 

The company offers its services to residents in all 50 states, Puerto Rico, Guam, the Virgin Islands, and military personnel worldwide.

Since Sky Blue does not have a brick-and-mortar location, customers can only contact them by phone or email. A member’s account can be managed online through Sky Blue’s portal.

You can set up a free consultation through the Contact Us page if you are interested in getting started.

Sky Blue Credit Repair Credentials & Accreditations 

Having a perfect A+ rating from the Better Business Bureau, Sky Blue Credit scores 3.53 out of 5 based on 19 customer reviews. Sky Blue Credit has received excellent to very poor ratings from users, however, the company addresses the issues that caused them to be rated poorly. 

ConsumerAffairs‘ 4.8 out of 5 rating on Sky Blue Credit is possibly even better as a measure of consumer satisfaction.

Sky Blue Credit Repair Summary 

People looking for credit repair services should consider Sky Blue Credit Repair, a highly-rated company that specializes in helping them decide when to dispute their credit reports.

There are nuances to credit repair laws that most people are unaware of. To achieve better results, it is best to seek the guidance of a professional for credit repair.

Additionally, Sky Blue’s dispute resolution process is accelerated. Sky Blue Credit will dispute a maximum of 15 items (5 items per credit bureau), while most credit repair companies start with only a few.

By removing negative items from your credit report, the experts at Sky Blue Credit Repair experts can assist you with getting “mortgage-ready.” In the same vein, Sky Blue can provide the best outcome when it comes to qualifying for a car loan or other upcoming credit inquiries.