As an accomplished DIYer, my uncle was more than capable of re-tiling the entryway to his home — so he did, saving himself hundreds in labor costs. After three days of painstaking work, he had a beautifully tiled floor to show for his efforts.
And, when his kitchen needed a new floor, my uncle looked back on those long hours of tiling — and hired a professional. In the end, no matter how capable my uncle was of doing the job himself, he felt his time was more valuable than the cost of hiring a pro.
Like laying tile, filing a credit report dispute is something we can all do on our own — or we can hire a professional to do it for us, like Sky Blue Credit Repair. One of the top-rated credit repair companies in the market, Sky Blue has a long history of helping consumers clean up their credit reports.
Our Take: A Strong Reputation Over Decades of Service
Of course, when it comes to hiring a professional, the quality of who you hire will strongly impact the results you obtain. If you hire an inexperienced painter, for instance, you probably shouldn’t be surprised if you wind up with paint on your carpet. With Sky Blue Credit Repair, you get a company with nearly 30 years of credit repair experience, reducing the chances of metaphorical paint on your floor.
Additionally, Sky Blue has maintained a strong reputation for quality results during its almost three decades of working with consumers to repair their credit. Not only does the company sport an A+ rating with the Better Business Bureau, but it also earns high marks from a number of other rating agencies, including Consumer Affairs, AAACreditGuide, and ConsumerAdvocate.org.
- Free consultation: 1-888-805-4944
- In business since 1989. A+ BBB rating.
- Quick pace: Sky Blue disputes 15 items monthly
- 90-Day Money Back Guarantee
- Low $59 cost to get started. Cancel anytime
- Click here for sign-up form, terms, and details.
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Another thing we like about Sky Blue Credit Repair is its transparent pricing, with fees and costs clearly laid out on its pricing page. Not only can you see your review/setup fee and initial monthly fee for either a single or joint applicant, but the site also plainly mentions the extra associated costs, which include an option between an ongoing credit monitoring service or a one-time credit report purchase.
The site also describes when to expect your costs to start. Once you’ve paid for your credit reports (which is done through a third party), you won’t be charged any other fees until Sky Blue has reviewed your reports and provided you with an in-depth analysis. If Sky Blue’s experts can’t help you, they’ll let you know, and you won’t be charged for membership.
Furthermore, none of Sky Blue’s advisers are commissioned salespeople, so you won’t need to worry about being sold unnecessary products or services. You’ll also be able to pause or cancel your membership at any time, for any reason, without hassle. Plus, when Sky Blue determines it can’t offer any additional credit repair help, you’ll be notified so you won’t pay for services you no longer need.
What Others Are Saying About Sky Blue
As with any financial product, of course, you shouldn’t rely on a review from just one source. Hundreds of Sky Blue customers have written reviews on their credit repair experiences so you can get a better idea of what to expect. And, all in all, reviews indicate you should expect a pretty positive experience. Many reviewers found success getting items removed from their reports, and some mentioned receiving credit score increases as a result.
I used the service for about three or four months. They had seven items removed or updated, and my credit score from all three bureaus went up over 100 points. Yes, if you have the time and know-how, you can absolutely do this stuff yourself. I personally don’t have the time, patience, or expertise to do it and have no interest in learning. My time is valuable to me, and the money I spent was well worth it. To top it off, when they got to a point where they didn’t think they could help me anymore, they called and explained/discussed the results and current situation, and even refunded me my last payment (without me asking!). A+++++ company. — Credit Karma Reviewer
Even those reviewers who weren’t eligible for credit repair found their Sky Blue experience to be positive and worthwhile, and many reviewers confirmed that the company stands by its no-cost policy for those who don’t qualify for credit repair.
SkyBlue was extremely helpful even though they were not able to remove my repossession. They gave me options on how I can possibly start to manage and fix up my credit. Their refund guarantee policy is amazing, and it’s true that if they do not find any derogatory marks they can help with, they will let you know and refund your money. Their customer service is amazing! — Better Business Bureau Reviewer
And while it isn’t all sunshine and roses — Sky Blue does have a small handful of complaints lodged with the Better Business Bureau — all complaints were answered by the company itself, and refunds were issued to those who needed them in those cases. Reports of members not receiving value for their money seem to be few and far between.
What to Expect From Credit Repair
Getting started with Sky Blue Credit Repair will begin with the enrollment process, which includes obtaining your three credit reports. Once a Sky Blue expert receives your reports, they’ll begin a line-by-line review, taking note of any issues and finding any items that may be effectively disputed. Then, you’ll be presented with a list of dispute candidates, as well as applicable score optimization and credit rebuilding tips.
If you decide to move forward with your membership, Sky Blue will start the dispute process, sending out the first round of dispute letters within 30 days. Keep in mind that credit repair isn’t an overnight process. It takes time to draft and send disputes, as well as time for the credit bureaus and information furnishers to respond to each dispute.
Sky Blue advertises that it will dispute up to 15 items (five items per bureau) every 35 days. If a challenged item is not corrected, Sky Blue will automatically re-dispute the item with a customized response.
Of course, as much as the quality of who you hire matters, so, too, does knowing what you’re hiring them to do. If you hire a plumber, for example, don’t expect them to lay tile or put up drywall — that’s simply not their job. Credit repair companies can only successfully dispute items that have a reasonable cause for dispute (which is the same as if you were doing it yourself); frivolous disputes are often quickly rejected by the credit bureaus.
In other words, credit repair companies, including Sky Blue, can only effectively remove eligible items. This generally includes mistakes, erroneous accounts, fraudulent accounts, outdated information, and unsubstantiated items. Disputes for legitimate debts that can be supported by the creditors will be rejected by the credit bureaus, as is their legal right.
Cleaner Credit May Be a Phone Call Away
Between instructional online videos and the dozens of DIY television shows out there, many new homeowners feel confident they can do it themselves. But while some of these handy homeowners have the time and energy to turn a remodel into a masterpiece, many of us (and our homes) are simply better off by hiring a professional.
And the same is often true with credit repair. While the average consumer is perfectly capable of filing their own credit report disputes, few of us can match the experience and know-how of the professionals at a reputable credit repair company, like Sky Blue Credit Repair. With a solid reputation for helping consumers improve their credit, Sky Blue seems to be a good option for anyone looking for professional credit repair.