Sky Blue Credit Review 2022 | Fees, Complaints & More

Sky Blue offers a wide range of services for your credit repair needs. This review provides information about their services, customer feedback, costs, plans, fees, and more.

Company background

James and Steven Kemish established Sky Blue Credit in 1989 in Boca Raton, Florida. For more than 30 years, Sky Blue Credit has assisted clients in improving their credit. They have a commission-free business strategy that prioritizes customer service. So, you won't have to worry about aggressive sales pitches.

Sky Blue Credit: Reputation, Complaints & Ratings

According to reports, potential clients are told during the free consultation that their credit wasn't bad enough to require Sky Blue's services. They were then encouraged to visit Sky Blue's free credit education page so that they could repair their credit on their own.

Another review said that Sky Blue reimbursed a customer's money because the company didn't think the standard dispute process would be successful.

The Consumer Financial Protection Bureau (CFPB) has received only two complaints against Sky Blue Credit in three years. The CFPB noted that the complaints were regarding customer service and were resolved quickly. 

Sky Blue Credit has an A+ rating from BBB, although it is not yet accredited by the bureau. It has a score of 4.8/5 from 217 reviews on Consumer Affairs. On Google reviews, it got a 4.4/5 score from 427 users.
  • BBB Rating: A+
  • BBB Complaints: (3.9/5) Based on 23 reviews, 11 complaints
  • TrustLink: ⭐⭐⭐⭐⭐ (4.6/5) Based on 28 reviews  
  • Consumer Affairs: ⭐⭐⭐⭐⭐ (4.8/5) Ratings - Based on 222 Reviews  
  • Google My Business: ⭐⭐⭐⭐⭐ (4.4/5) Ratings - Based on 427 reviews 

What credit repair services do they offer? 

Sky Blue Credit offers just one plan with generally relevant services and the flexibility to customize the strategy to customer requirements.

Credit disputes

Once Sky Blue Credit has examined your credit reports, it will raise disputes on your behalf. You may have as many conflicts as you like and re-disputes as the case may be.

Whenever needed, Sky Blue Credit writes letters of debt validation, goodwill, cease-and-desist, and inquiry disputes to credit reporting agencies and lenders.

Expert credit analysis

Sky Blue Credit employs a team of experts to evaluate your credit reports for any inconsistencies or inaccuracies. You can register for a coaching session where a professional will answer any queries you may have and give suggestions on which areas to dispute.

Credit restoring

The experts at Sky Blue will recommend ways to raise your credit score, like getting a secured credit card or repaying more than the minimum amount due on some balances. You can also partner with them to develop a long-term credit repair strategy.

Optional Extras

Sky Blue Credit provides extra benefits that are already covered in the monthly charges. These include:

  • Mortgage planning 
    Sky Blue Credit can assist with creating a plan to repair your credit to help you fulfill your deadline for house ownership.
  • Identity theft advice 

    If you think your identity was compromised, Sky Blue Credit can assist you in investigating the situation and taking the appropriate action.

  • Consultations on debt negotiation and settlement 
    Sky Blue Credit will seek to minimize your debt by negotiating with creditors and collection firms.


Sky Blue Credit offers the following features:

Free consultation for credit repair

Apart from the initial consultation, customers can ask for one-on-one calls with Sky Blue Credit representatives for any queries regarding credit. This is pretty much standard across the industry.

Quick dispute cycle

Sky Blue Credit uses a 35-day cycle, unlike some credit repair companies that send complaints on a 45-day schedule.

Opportunities for discounts

Two members (couples) can sign up jointly and pay a lower monthly charge. The setup and evaluation fee is $119 when purchasing together.

Money-back assurance

If you are dissatisfied with the service within 90 days of enrolment, you may ask for a refund.

Membership pauses

You can stop using Sky Blue Credit whenever you wish and resume it later without paying the setup cost again.

Sky Blue Credit reviews each line in your credit reports after receiving them. The firm looks for any further problems you might have and picks out even minor items to challenge. Using this data, Sky Blue Credit creates a strategy for disputing issues to improve your credit score. The service also gives you beneficial advice on how to repair your credit.

Sky Blue Credit takes satisfaction in assisting customers with credit restoration. It offers all customers credit score support during the credit restoration process to examine and find ways to improve or rebuild your credit.

In addition to credit repair, Sky Blue Credit performs validation of debt, and issues goodwill and cease and desist letters.

Sky Blue Credit Basic Plans

All Sky Blue Credit services are covered under their plan. There is a single plan with a single cost that covers all the services they provide. They don't provide standard, economy, or premium plan choices.

We go into detail about the strategy below. Sky Blue Credit’s package covers all services and has the following advantages:

Sky Blue Package:

  •  90-day money back warranty
  • Toll-free assistance
  • Cancel whenever you want
  • Pause membership
  • Dispute delayed payments
  • Identity theft disputes
  • Charge-Offs disputes
  • Collection disputes
  • Add-on services

This package will take care of all your credit repair issues.

Every 35 days, Sky Blue Credit disputes 15 items (five at each bureau) on your credit report. There is a 90-day money-back guarantee on Sky Blue Credit's services if you aren't happy with them.

Sky Blue Credit Fees

In addition to an upfront setup and review fee of $79, Sky Blue Credit charges an extra $79 per month. There are no additional service fees or tiers. Even better, Sky Blue Credit provides a deal for couples at $119 – essentially a 50% discount for the second person.

Clients can choose their payment date with Sky Blue Credit and use their online account to stop or cancel the service. The company does not impose any additional fines. The subscription plan offered by Sky Blue Credit is the most user-friendly one. Unlike their competitors, they do not charge a last monthly payment fee if you cancel.

What we like about Sky Blue Credit?

  • Single Plan 

    One of their best features is the flat, single plan that covers all services you need.

  • 90-day money-back guarantee offer 

    If you are dissatisfied with Sky Blue within the first 90 days of enrollment, they will issue a refund.

  • Easy to cancel or pause enrollment 

    It’s easy to discontinue your subscription without incurring additional fees by logging into the web portal, sending a message, or calling Sky Blue Credit.

  • Services with flexibility

    You can ask for complimentary add-ons like mentoring calls or mortgage preparing assistance.

  • Discounts for couples 

    With a spouse or domestic partner, you can join Sky Blue and save $39 on the monthly membership charge.

  • Online statement 

    The Sky Blue Credit online platform allows you to keep an eye on your credit score and follow the development of your credit repair.

What we dislike about Sky Blue Credit?

  • Unavailability of credit monitoring services 

    Unfortunately, there is no credit monitoring service. So, if you want the add-on, you'll have to register with other companies that provide it.

  • Few disputes letter
    Sky Blue Credit will only submit hard-inquiry disputes, cease-and-desist letters, goodwill removal requests, and debt validation letters on your behalf. Some competitors will provide more, such as Section 604 disputes and letters with a pay-for-delete option.
  • No mobile app 

    Sky Blue Credit does not provide a mobile app to check your progress and account information. Several competitors provide updated mobile applications.


Is Sky Blue Credit worthwhile?

If you are dealing with credit issues of any scale, Sky Blue Credit's full-service credit repair plan is a brilliant choice. The company is a good pick for customers who are unsure of what services they require because it does not offer services in multiple tiers. If you need credit repair services, consult with Sky Blue Credit's expert team to determine if its solutions are suited to you.

How quickly can Sky Blue Credit boost my credit score?

After a 30-day cycle, Sky Blue Credit claims that many of their customers see progress in their credit scores. Their clients usually subscribe for six months.

Keep in mind every person's credit situation is unique, and using Sky Blue's service does not assure an increase in your credit score. You can pause your subscription through your online account if you're not pleased with the service, or you may cancel in the first 90 days for a full refund.

Is there a guarantee that your credit report will be fixed?

No, Sky Blue cannot guarantee that your credit will be repaired. Because of the Credit Repair Organizations Act of 1996, no credit repair firm can guarantee an increase in your credit score.

In the past, credit repair companies manipulated customers through exploitative business tactics. The Credit Repair Organizations Act aims to curb this unscrupulous practice. Today, all credit repair businesses must give prospective clients all the information they require to make an unbiased choice, even if that means not promising or guaranteeing outcomes.

Are credit reports subject to a fee?

No. Sky Blue Credit will help you obtain your free credit reports when you join up. Credit reports come from independent companies, are always free, do not have a trial period, and will not lower your credit ratings when you obtain them.

What is the duration of the Sky-Blue Credit plan?

You are welcome to use Sky Blue Credit service for as long as you believe you are benefiting from it. There is no mandatory length of membership service.

About the author Greg Lorenzo

Greg is a financial expert who has been advising his audience on loans for over 10 years. He has a wealth of knowledge and experience in the area, and he is passionate about helping people get the best possible deal on their loans. Greg is an expert in negotiating loans, and he has a proven track record of getting his clients the best possible terms. He is also a strong advocate for financial literacy, and he regularly gives workshops and seminars on the topic.

Leave a Reply

Your email address will not be published. Required fields are marked

{"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}