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Sky Blue Credit Repair

4.8 out of 5

Sky Blue Credit Repair has been in the credit repair business for many years. They have earned a reputation for excellent customer service. Their customer-focused program offers the lowest reviewed monthly rate, with features including a membership pause option and a no-fine-print 90-day money-back guarantee. They are an excellent choice whether you need a complete credit restoration or just to dispute a couple of records. 

4.8 out of 5
4.8 out of 5
4.8 out of 5
5 out of 5


No Additional Fees

Lowest Monthly Price

90-Day Guarantee

Top Customer Service


High Initial Work Fee

Not Available In Every State

We review a lot of companies. Many of the companies’ websites say all the right things, but when we dig deeper and read customer reviews, it’s clear that the companies don’t deliver. Not so with Sky Blue Credit Repair!

We scanned thousands of positive customer reviews that raved about Sky Blue’s business ethics, exceptional customer service, and no-BS 90-day money-back guarantee. Best of all, their credit repair service just plain gets results!

Who Is Sky Blue Credit Repair?

The two most common questions are…

“Who is Sky Blue Credit Repair?” and “What does Sky Blue Credit Repair do?” 

Sky Blue Credit Repair, also sometimes wrongly referred to as ‘Blue Sky Credit Repair’ was founded in 1989 by James and Steven Kemish in Boca Raton, Florida. 

They provide professional services to help with the removal of negative inaccurate records from your credit file. 

Sky Blue Credit Repair has been helping customers fix their credit for over 30 years.

A few other areas that they may be able to help you with are:

  • Debt validation
  • Goodwill letters
  • Assistance negotiating with credit bureaus

Sky Blue’s extensive track record lets you select them with confidence. You may not make a huge difference in your credit – no credit repair company can guarantee results – but you won’t get cheated.

What Makes Them Different?

In an industry where ‘shady’ is the norm. Sky Blue has the best customer reviews of any credit repair company we have reviewed. Past clients use words like ‘good’ and ‘great’ when describing their customer service in reviews. In an industry where their closest competitions service is lucky to get an ‘OK.’ If you really want to know what makes Sky Blue different, you only need to compare their customer reviews with the reviews of their closest competitors.

Sky Blue Credit Repair’s plan covers all services that they offer. They do not offer the typical, ‘good’, ‘better’, and ‘best’, plan options. 

There is one plan for one price that includes all the services they offer.  

Below we discuss the plan in detail:

Sky Blue Difference

The Sky Blue Difference plan includes all services offered and will come with the below benefits: 

  • Sky Blue Difference
  • 90 Day Money Back Warranty
  • Toll Free Support
  • Cancel Anytime
  • Pause Membership
  • Dispute Late Payments
  • Dispute Identity Theft
  • Dispute Charge-Offs
  • Dispute Collections
  • Extra Services

This plan will cover all of your credit restoration needs. In Sky Blue’s own words:

sky blue credit repair review sky blue difference what does sky blue cover

What Does Sky Blue Credit Repair NOT Cover?

Sky Blue Credit Repair cannot guarantee you a specific outcome with your credit but they will give you a 90-day money-back guarantee. 

No credit repair company can guarantee improved credit. The Credit Repair Organizations Act (CROA) forbids such guarantees.

No credit repair company can guarantee the removal of a legitimate debt from your credit report. This may be possible if you dispute the account and the creditor fails to verify your debt, but there is no assurance that this will happen.

They also probably won’t be able to help with student loan debt. Unless you are facing a serious financial burden or can find a loan forgiveness program, getting a student loan removed from your credit is nearly impossible.

There are things you can do to lessen the blow of poor student loan payment history and Sky Blue Credit Repair review can help with that. Removing other accounts may leave you more money to pay your student loans, and improving your credit could open refinancing options.

How Much Does Sky Blue Credit Repair Cost?

When you inquire, Sky Blue will review your credit reports and conduct a free telephone consultation. 

After these steps, if they feel that they will be able to help fix your credit or meet your goals, you will be charged the $79.00 review fee if you choose to retain their services.

Each month from that date forward you will then be charged a $79.00 monthly membership fee until you either pause or cancel your membership. 

This is the most customer-friendly membership plan out there. 

Another nice benefit that they offer is that if you cancel, they do not charge you a last monthly payment fee, as their competitors do. 

Couples Discount

Sky Blue Credit Repair also offers a couples discount: the second person’s monthly price will be marked down 50%.

You do not have to be married to receive the couples discount. To qualify for a couples discount you must:

  • Live together
  • Pay together

Below is a detailed breakdown of the pricing for their plan and their initial review fee:


Review Fee Monthly Cost
Sky Blue Difference$79.00$79.00

Customer Reviews

Customer reviews are the single most important tool we use to evaluate a company. Anyone can that promise the world, but customer reviews will tell you whether or not they deliver.

I don’t buy a product before I read the Amazon reviews because I know I will get honest customer opinions. Amazon doesn’t sell credit repair services, so we have to look to other sources for review information, such as Google, Yelp, and the Better Business Bureau. We have read thousands of positive reviews of Sky Blue Credit Repair. 

Some of these reviews claim that during the free consultation phone call; potential customers were told that their credit was not bad enough to need Sky Blue’s services. They then were directed to Sky Blue’s free credit education section to fix their credit themselves.

Another theme of unbelievable reviews was from people whose memberships were canceled because they had fixed everything they could. One of the reviews that blew our mind was when they refunded a customer’s money because they didn’t believe that the usual dispute process was going to work. We could go on and on about a company that forgoes profits for the betterment of their customers, but we think you understand this is the type of company you want to use for your credit repair needs.

Sky Blue Credit Repair Reviews

Customer Average Rating
Google Reviews Avg. Rating 4.3
Better Business Bureau Avg. Rating3.9
Creditful Reviews Avg. Rating4.6
Consumer Affairs Reviews Avg. Rating4.8
Best Company Reviews Avg. Rating4.5

Phone Number & Address

Sky Blue has been located in Boca Raton, Florida since its inception in 1989. 

You can find them at 6001 Broken Sound Pkwy NW Ste 300, Boca Raton, Florida 33487. 

They can be reached Monday – Friday between the hours of 9 a.m. and 5 p.m. (EST) by dialing the toll-free Sky Blue Credit Repair Phone Number: 1-800-790-0445.

Or look up their website.

Who Is Sky Blue Credit Repair For? 

Credit repair is mainly for people who have bad credit. If you need to get better credit so that you can get that new car or move into an apartment or home, they can help.

Credit repair can also help a young couple who wants to move to a new house but cannot afford or accept the terms of a mortgage because of a low credit score.

The 90-Day Money-Back Guarantee

Sky Blue Credit Repair is the only company in the industry to offer an unconditional 90-day money-back guarantee.

If for any reason you are not happy in the first 90 days, they will issue you a complete refund. It does not matter if they have been ‘successful’ in removing some negative records, you are still eligible for a refund. 

What To Expect After You Sign Up

If you decide to sign up after your free credit evaluation, you will receive an email with instructions on how to obtain your free credit reports. Once you receive copies of your credit reports from the three major credit agencies, send them to Sky Blue Credit Repair ASAP.

Once they receive your credit reports, they will begin your credit file evaluation. 

When the evaluation is complete, they will set up your personal portal account and begin disputing any negative credit record that is inaccurate.

Helpful Tip
You should upload all of your documents. The sooner they receive the information, the better results you will have overall.

How To Cancel

The fastest way to cancel your membership is to contact them by phone at:  1-800-790-0445 between the hours of 9 a.m. – 5 p.m. (EST), Monday – Friday.

If you do decide to cancel you will owe no additional money.

However, we’d suggest that instead of canceling your membership, consider using their free ‘pause membership’ option. 

If you choose to pause your membership, all billing will stop until you unpause it. 

There is no fee to pause your membership or restart it, and you can pause it as often as you like. 

Sky Blue Credit Repair Availability

Sky Blue Credit Repair does not provide services to those living outside the US.

Taking Action On Your Credit

We hope you found this review helpful. Starting your credit journey can be complicated and confusing.

There is no better time than now to get things started. You should look into what credit repair companies do and it’s worth considering a DIY approach, especially if your problems involve a relatively small number of accounts or a clear, verifiable error. If you do decide to use a credit repair company, Sky Blue is one of our top picks and we believe that you can retain their services with confidence.