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Sky Blue Credit Repair

25 years experience, 100% money back guarantee

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Sky Blue Credit Repair has a strong reputation and quality features.  Sky Blue has been recognized for its ethical business practices, as well as its timely and pertinent responses to customer inquiries. We found Sky Blue to be easy to work with and efficient in the service it offers and delivers.  They offer one plan that encompasses all of the features available, instead of having to pay upgraded fee's for each, and they back it up with a pretty solid money back satisfaction guarantee.

Sky BlueScreen-Shot-2012-04-17-at-11.40.14-AM

The Good

Sky Blue Credit Repair offers great customer support and an efficient dispute process. Once you have provided your credit report they will perform a detailed analysis, email you their findings, and then (subject to your approval) start the dispute process. Unlike other services, Sky Blue utilizes an efficient and customized process that allows customers to see desired results.

The average time from signup to first disputes sent out is only one week. Once they get going they dispute up to 15 items (5 items per credit bureau) each month.  In addition, if an item is verified they send a customized re-dispute rather than just sending the same letter over and over.

Sky Blue will also identify your credit score improvement opportunities and send you a personalized list of actions you can take while they work on the clean-up process. This focus on credit score improvement is a practical and valuable aspect of their service.

  • Easy Online Signup
  • Include Your Spouse at Half Price
  • 26 Years of Experience
  • A+ BBB Rating
  • Cancel Anytime

The Bad

Sky Blue Credit Repair doesn’t offer online management.  This is the only real drawback that we could find, but they do communicate very effectively through email, including email notifications of disputes sent, and progress reports on request, so you are kept in the loop.

The Bottom Line

Sky Blue Credit Repair has decades of experience  and a finely-tuned customer support department. Their affordable credit repair program includes speedy credit bureau disputes and personalized credit score improvement tips based on your particular needs. They have a spotless rating with the Better Business Bureau and they offer their services under one single pricing plan so there are no surprise upgrades needed. In our opinion this is a terrific company and great value for anyone looking for credit improvement. Visit their site today!

Step #1: Sign Up

You will be able to sign up for the Sky Blue service online. You will then receive an email from Sky Blue with the instructions on how to get started. You will also be able to then sign up for monitoring services that will provide you with the credit reports you need to get the process rolling.

Step #2: Review

Once Sky Blue has received your credit reports, they will conduct a line-by-line review of your reports and determine what items can legally be removed. The analysts will then email you a list of the items they believe can be disputed for your review along with advice on how to rebuild your situation.

Step #3: Dispute Process

Sky Blue will then begin disputing the erroneous items on your credit report. If the items are not removed, Sky Blue will then send another customized letter until it reaches the desired outcome.

**This is a summation of the terms and services/contract details/privacy policy and is in no way a complete depiction of this company’s actual terms and services or contract. The information found below is simply additional information and commentary with the intent to help the consumer. If you wish to know the exact language of the terms of service/contract, please contact this company with any questions or concerns you may have.**

“Privacy Policy – Commitment to Your Privacy

This site is owned and operated by Sky Blue Credit (SBC). Your privacy on the Internet is of the utmost importance to us. At SBC, we want to make your experience online satisfying and safe. Because we gather certain types of information about our users, we feel you should fully understand our policy and the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it.”

What to know:

Sky Blue abides by the regulations outlined in their privacy policy which promises to keep your experience on their website to be satisfied and safe.

“Sharing of Information

SBC does not under any circumstances share, sell, rent, or in any other way provide your information to anyone for any use whatsoever.


SBC operates secure data networks protected by industry standard firewall and encryption protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.

Information SBC Gathers and Tracks

SBC gathers two types of information about users:

  • Information that users provide manually on our web site. This information is gathered on our Enrollment (Sign Up) Form and includes name, address, email address, Social Security Number, and date of birth. This information is not shared or used for any marketing purposes whatsoever.
  • Information SBC gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help us better understand the demographics of our audience.

Usage Tracking

SBC tracks user traffic patterns. However, we do not correlate this information with data about individual users. SBC does break down overall usage statistics according to a user’s domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user’s browser). SBC sometimes tracks the search terms that users enter in public search engines, which generate a “click through”, but this tracking is never associated with individual users. We use tracking information to determine the effectiveness of individual search terms.


We may place a text file called a “cookie” in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable us to relate your use of this site to information that you have specifically and knowingly provided. But the only personal information a cookie can contain is information you supply yourself. A cookie can’t read data off your hard disk or read cookie files created by other sites. SBC uses cookies to track user traffic patterns (as described above). You can refuse cookies by turning them off in your browser. If you’ve set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You do not need to have cookies turned on to use this site.

Your Consent

By using this site, you consent to the collection and use of this information by SBC. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.”

What to know:

Your information will not be shared, sold, or available to rent. Sky Blue also has a security firewall installed to keep your information and data safe.

“Public Safety and Legal Process

We will not share information about individual users with any third party, except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.”

Are there any inaccuracies in this review? We take accuracy very seriously and would love your feedback. Visit our Request Reconsideration page and send us your feedback today!

We’ll Introduce you!

Call our recommended rep over at Sky Blue Credit Repair below.

1-(888) 906-3758
33 Sky Blue Credit Repair Reviews

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  1. User Score
    March 4th, 2015 at 8:31 pm
    5 people found this review helpful!


  2. User Score
    January 20th, 2015 at 7:58 pm
    9 people found this review helpful!

    I signed up for Blue Sky and after analyzing my credit they told me I had the types derogatory files that can’t be removed and they will fall off my credit in a certain amount of time so they gave me the option of a full refund which I asked for and received.
    Thanks guys for being honest and upfront by letting me know I’d just be wasting my money on your service with my current situation. My wife is still going to use them as they can help her and we’ll let her get the mortgage for our next home.

  3. User Score
    Z. Perkins
    January 15th, 2015 at 3:26 pm
    7 people found this review helpful!

    I started working with them in December of last year. and man the difference a year makes. I was getting turned down left and right by credit card companies before and now everywhere I apply I’m getting accepted. They did an excellent job of repairing my credit and updating me on the status through e-mails. When I called they were very patient and knowledgeable and they are my #1 choice when it comes to credit repair. P.S. I just got a 2013 car because of my now excellent credit thanks Sky Blue Credit Repair.

  4. User Score
    R Feratovic
    January 14th, 2015 at 10:56 pm
    7 people found this review helpful!

    Great company I highly recommended them. Best company I have ever been enrolled with. Best decision I made in a while awesome customer service and website. Fast emails in 5 days they had already sent out disputes, they waste no time and they get down right to the point. I highly recommended them it is really worth every Penney.

  5. User Score
    A Miranda
    December 11th, 2014 at 2:05 am
    7 people found this review helpful!

    I got started with Sky Blue one week ago.
    Here is what they did so far: They did a complete analysis of my credit report, picked out the disputable accounts, gave me a game plan to review, gave me solid advice for improving my scores, fired off my first round of disputes to all three bureaus, and even sent me a “disputes sent” notice to keep me in the loop. Awesome!
    General impressions: They are quick, friendly, organized, honest, no BS sales talk or crazy promises.
    They are off to a great start with me!

  6. User Score
    calvin watson jr
    November 8th, 2014 at 8:23 am
    3 people found this review helpful!

    I like them and will be trying them again

  7. User Score
    John C
    August 22nd, 2014 at 5:34 pm
    7 people found this review helpful!

    Sky Blue gets top marks from me. I have been a client for about a month and here is some feedback.
    After I signed up on the web, I had a couple of questions so I called them. I called I got through in about one minute of wait time. In my world that is about as good as it gets.

    They guy I spoke with was professional and friendly and made getting setup a breeze. I had a few other communications with them and they were all handled well and promptly. So they get good marks on customer service.

    On day four I got an email saying the first batch of disputes was sent out which I thought was pretty fast and I appreciated the timely update.

    They also gave me some good ways to improve my credit score by hitting some sweet spots on balances, and paying off a small recent collection.

    The first results came in yesterday and more than half of the items they disputed have been deleted.

    Very good operation. Recommended!

  8. User Score
    August 10th, 2014 at 8:55 pm
    6 people found this review helpful!

    One of my three credit bureau scores actually went down, the other two barely moved, not worth the money…

  9. User Score
    Monique L
    August 6th, 2014 at 2:00 pm
    3 people found this review helpful!

    Can’t believe my reports transformation!! Can’t say thank you enough!! Excellent company!!

  10. User Score
    Duncan M
    June 7th, 2014 at 1:46 pm
    5 people found this review helpful!

    My experience with this company (Sky Blue) has been excellent! In the few months I have been a member they have been great to deal with. The customer service people are very impressive and knowledgeable, which is something I am very picky about. I just got another bunch of results in this last week and so far about half of the bad stuff on my reports has been deleted. I am more than happy. Getting your credit fixed can really change your outlook on things. I recommend it!

  11. User Score
    May 14th, 2014 at 5:47 am
    6 people found this review helpful!

    Just over a year ago my credit report was in 580 range. After almost a year of using their services it is now in 700 range. Before using their services I didn’t think there was much I could with my credit report, Very much to my surprise and satisfaction they were able to remove 27 items off my credit report. Their staff was professional and kept me updated every step of the way. I have recommended their services to friends, family, mortgage lenders etc, and will continue to do so. You guys are phenomenal. I cannot say enough great things about this company. Because of their great work I am now looking into buying my first home. I wish I had known about them sooner, if you want top notch service, affordable rates to fix your credit these are the only people I trust and they will get the job done right.

  12. User Score
    john gibbs
    May 4th, 2014 at 9:43 pm
    6 people found this review helpful!

    Sky blue helped raise my credit from a 560 to almost 720. Not only was I able to buy my first home, I was also able to purchase a new car for my wife and a credit card company actually raised my credit limit. My next goal is to get my credit to over 750 and I know with everything I learned from Sky Blue Credit Repair there is no question I will get there.

  13. User Score
    Chandra H
    April 14th, 2014 at 11:37 am
    5 people found this review helpful!

    I was unable to get preapproved for a home loan due to my low credit score so on 1/18/2014 I signed up with Sky Blue. In about 5 weeks my score shot up 51 points. Thanks to this company I closed on my first home on 4/11/2014. I wish I had known about them years ago. Sky Blue is the one to call if you want your credit repaired.

  14. User Score
    Peggy Berg
    March 7th, 2014 at 1:57 pm
    4 people found this review helpful!

    I had 2 erroneous entries on my credit report. The credit reporting agencies ignored me when I followed their processes to correct their errors myself.

    Sky Blue corrected both errors within 60 days. They were accessible by phone and email whenever I had questions. They were courteous, responsive and effective.

    When I first called Sky Blue they told me what they could do – and what they could not do. They were honest about the limits and the benefits of their service.

    This is good company. I recommend them.

  15. User Score
    February 18th, 2014 at 4:38 am
    4 people found this review helpful!

    i started Sky Blue in January of this year 2014. So far they deleted 3 of my collection accounts. I have a feeling this next round will be a better one. Great job Sky Blue….

  16. User Score
    Shane comeaux
    February 5th, 2014 at 9:07 am
    2 people found this review helpful!

    All good

  17. User Score
    December 26th, 2013 at 9:31 pm
    4 people found this review helpful!

    I’ve been with them for about 6 months now and I’ve had a total of 15 deletions and my credit score went up around 100 points. Honestly, this was the best decision that I made in a long time, I highly recommend this company! Sky Blue is the best

  18. User Score
    William F.
    November 27th, 2013 at 1:27 pm
    2 people found this review helpful!

    I got started with Sky Blue one week ago.

    Here is what they did so far: They did a complete analysis of my credit report, picked out the disputable accounts, gave me a game plan to review, gave me solid advice for improving my scores, fired off my first round of disputes to all three bureaus, and even sent me a “disputes sent” notice to keep me in the loop. Awesome!

    General impressions: They are quick, friendly, organized, honest, no BS sales talk or crazy promises.

    They are off to a great start with me!

  19. User Score
    November 20th, 2013 at 4:42 pm
    3 people found this review helpful!

    I was with Sky Blue for five months (until yesterday!) and I recommend them strongly. In my entire time with them they took all my calls instantly and my email was always answered within a couple of hours. They never once fell down on customer service. But the final testament to them is that all the bad credit on my report has now been removed (except one legitimate collection that I will be paying off soon). Sky Blue did a fabulous job for me. I never would have had the patience to organize and manage the dispute process myself. For $49 a month it is an amazing investment. If you are on the fence, go for it!

  20. User Score
    April 26th, 2013 at 10:29 pm
    3 people found this review helpful!

    My credit was left devastated after my divorce with 43 negative entries on my credit report when all was said and done. I initially tried to repair the damage myself but actually ended up making things worse, so I researched credit repair companies and settled on SKYBLUE after reading all the reviews. After 3 months they`ve managed to delete 9 negative entries and they`re still going! So far I`m pleased :)

  21. User Score
    March 12th, 2013 at 2:31 pm
    2 people found this review helpful!

    After reading the reviews on this site, I picked Sky Blue and signed up. So far, my experience is just about the best I have seen from an online company. They are very organized and everyone I have dealt with is very competent. They even have a “Get Started” department dedicated to helping new customers get settled. If you are debating doing this, I encourage you to sign up.

  22. User Score
    Tony R.
    March 11th, 2013 at 11:06 am
    2 people found this review helpful!

    Sky Blue does an outstanding job. Their communications are excellent and the process they use is (IMHO) far superior. From the start everything seems to revolve around increasing your FICO score. In my case this meant disputing certain priority issues first, and also giving me specific advice about building new credit and how to manage it to get the best results. My scores have gone from 520 to 680 in less than 5 months. Great company, really competent people, and excellent results.

  23. User Score
    January 22nd, 2013 at 8:09 pm
    2 people found this review helpful!

    Looks to me Sky Blue is very honest. A few days ago I signed up with them, and soon they sent me a list of accounts they want to dispute, and also gave me a chance to have an adviser to call me to discuss. So today they called me back, and told me that there are not too many accounts I need to work. And I told them that I have already disputed them online recently. So she suggested to cancel my service, and that it is better for me to wait for 6 months if I want to hire them again since they would not be able to help in my situation.

  24. User Score
    Robert Ring
    November 15th, 2012 at 3:59 pm
    2 people found this review helpful!

    I just finished four months with Sky Blue and I am very satisfied. They were professional and friendly from the start. They seem to dispute more issues per month than other companies, and I can say from my experience that their disputes are very effective. In four months of service they got the majority of derogatory information removed from my report and my scores are dramatically better. I’m very impressed with this company and recommend them without reservations.

  25. User Score
    November 13th, 2012 at 7:18 pm
    2 people found this review helpful!

    Ya know we were like everyone else , looking for help and worried who was going to help. Looking at reviews day after day. I can tell you that I wouldn’t of been more happier to go with sky blue credit. They do everything in their power to correct what they can. And personally if I had to rate them 1- 10 , It would be a 20. I personally can say that we very happy with sky blue credit. Thanks

  26. User Score
    November 11th, 2012 at 6:20 pm
    2 people found this review helpful!

    Divorce put me in a bad situation 5 years ago. No matter how much I paid down and paid off My score never increased. After a friend told me of this company I signed up right away. I found out through this company that 9 of the things I paid off had not dropped off or been reported as paid. They helped me write proper letters to get these off. I saw an increase in my score by 40 points. I used the service 4 months. I am now on the right track getting things paid and removed as I go. They are great people. THANK YOU!

  27. User Score
    October 2nd, 2012 at 9:16 pm
    2 people found this review helpful!

    I was skeptical but this really works. Well worth the money. I wish I had found them a long time ago when I was trying to repair my credit on my own. They achieved in 3 months what I couldn’t do in almost 2 years.

  28. User Score
    June 12th, 2012 at 5:59 pm
    2 people found this review helpful!

    Divorce ruined me and I didn’t really care, let things go far to long. When I did start to care again I turned to SkyBlue and didn’t really have much hope. In six months my credit score raised 189 pts…yes it was that bad…and I learned how to improve it monthly. I’m about to go back to them since I’ve done quite a bit about the old stuff. Its a great service.

  29. User Score
    JP Elisson
    June 7th, 2012 at 6:39 pm
    2 people found this review helpful!

    There is a reason the BBB rates these guys at an A+. We didn’t have a whole lot of negitaves to remove from our credit, but they did a great job for my wife and I.

  30. User Score
    May 1st, 2012 at 2:27 pm
    3 people found this review helpful!

    Best online sign up process. Easier then buying something on E-bay. These guys are a step ahead with technology.

  31. User Score
    March 15th, 2012 at 2:54 pm
    3 people found this review helpful!

    Before I signed up, I actually called to talk to the BBB to make sure these guys were legit. You never know when some companies post a BBB score and lie about it. I had a few charge off’s to take care of, and they helped me to get them removed. Not actually by removing them, but walking me through the steps with the collectors, and how to work with the banks.

    That’s good enough for me. I gave them a 9.

  32. User Score
    janice P
    February 11th, 2012 at 3:54 am
    3 people found this review helpful!

    A little confusing after getting started… I guess they can’t just remove everything bad on your credit report, but they did help me understand what I needed to do to help improv my credit with settling some of my debts.

  33. User Score
    February 6th, 2012 at 3:02 pm
    2 people found this review helpful!

    I actually used SkyBlue 3 years ago, but wanted to add my two cents. These were awesome for me. Gave me a ton of advice, and helped me get approved for my first home. Unfortunately the housing bubble burst, and I had to walk away, so I think I’m going to have to call them again soon. LOL

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Monthly w/ $59 First-Work Fee

Time in Business

Total # of years
26 years



Money Back Guarantee?

Credit Reports

Equifax, Experian, TransUnion

Score Updates

Equifax, Experian, TransUnion

Licensed Attorneys

Are There Attorneys on Staff?

Case Setup

consultation, evaluation etc.

Site Security

Is my information safe?

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Review Last Updated: March 20, 2015

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