![Sky Blue Credit vs. CreditRepair.com comparison [2022]](https://www.creditrepair.com/blog/wp-content/uploads/2022/09/sky-blue.png)
Disclosure regarding our editorial content standards.
The information presented in this comparison is solely based on the information provided by the service’s website as of August 2022, not actual customer experiences with either company. For any questions on the information in this article, we encourage you to visit the service’s website or contact a representative.
There’s no question that Sky Blue Credit and CreditRepair.com are two of the most prominent options for those seeking professional credit repair, and for good reason.
Sky Blue Credit has been around for over 30 years, and CreditRepair.com has filed tens of millions of challenges in the last decade1. Each is well established in the credit repair field with years of experience in removing negative items from credit profiles for their clients. But which is the best option for you?
In the Sky Blue Credit vs. CreditRepair.com comparison below, we’ll outline key similarities and differences between their offerings, prices, ratings and services and ours. We’ll also compare client experiences and expectations so you can get all the facts you need to start fixing your credit today.
Table of Contents:
- Credit repair service comparison
- Cost for credit repair services
- Ratings
- Results
- Customer reviews and Professional reviews
- Member experience
- Customer service
- Free resources
- How to choose between Sky Blue Credit vs. CreditRepair.com
Credit repair service comparison
Sky Blue Credit and CreditRepair.com both offer credit repair services like credit bureau challenges and disputes, credit analysis and assistance with inquiries. Here is how each breaks their service offerings down.
Sky Blue Credit services(2)
Rather than breaking their services into tiers, Sky Blue Credit offers their full suite of services in one package. They offer no upgrades or additional services beyond those covered in their primary package. We’ve provided an overview of their service offerings below:
- Pro Analysis: Sky Blue Credit’s team of professionals will analyze your credit report and provide their findings.
- Custom Disputes: Their disputes are customized on a case-by-case basis.
- Score Assistance: In addition to working to improve credit reports, Sky Blue Credit will help make a plan to improve your score.
- Coaches-on-Call: Members can request sessions with coaches or call in during applicable hours.
- Faster Disputes: Their dispute cycle is 35 days, which is 10 days shorter than many companies’ cycles.
- Statute of Limitations Research: When disputing collections accounts, they consult members before taking any actions.
- Credit Rebuilding: For those who need help rebuilding credit, Sky Blue Credit will assist with tasks like opening credit cards.
- Extra Services: Additional services include goodwill letters, cease and desist letters, debt validation, inquiry disputes, ID theft consultation, debt settlement and negotiation consultations.
CreditRepair.com services(3)
To help our members get just the right services for their credit needs, we’ve packaged our services into three tiers.
- Direct: Our first service tier includes challenges to major credit bureaus, inquiry assistance, goodwill intervention and credit score reporting every three months.
- Standard: In our second service tier, you get everything included in the Direct tier plus our FICO® Score Inquiry Assist service, better enabling you to file disputes for account inaccuracies and unfair inquiries.
- Advanced: Our highest-tier offering adds additional bureau challenges and creditor interventions, monthly score updates and cease and desist interventions to the offerings in the Standard package.
| Sky Blue Credit | CreditRepair.com | |
|---|---|---|
| Tier 1 | $79 individual, $119 couples | $69.95 |
| Tier 2 | — | $99.95 |
| Tier 3 | — | $119.95 |
“CreditRepair.com is one of the best companies to help you repair your credit.”
“CreditRepair.com has a solid reputation and a history of solutions with a personalized touch. And with more than a decade of industry experience, CreditRepair.com can help with even the most complicated issues on your credit report.”
“CreditRepair.com is one of the best-known credit repair companies in the industry. This company has proven that its team has a great track record of disputing questionable items on clients’ credit reports.”
“The credit repair firm has a proven three-step process that continues to help clients improve their poor credit, enhance their credit history going forward, and help them reach other financial goals.”
“Sky Blue Credit is a highly-rated credit repair company that is particularly good at helping people decide when and what to dispute on their credit reports.”
“Sky Blue Credit is a leading credit repair company, with a strong track record of helping customers get fantastic results.”
| Sky Blue Credit | CreditRepair.com | |
|---|---|---|
| Bureau Challenges/Disputes | ✓ | All tiers |
| Score Analysis | ✓ | All tiers |
| Inquiry Assistance | ✓ | All tiers |
| On-Call Coaching | ✓ | — |
| Quarterly Score Updates | — | All tiers |
| Monthly Score Updates | — | Advanced |
| Credit Monitoring | — | All tiers |
| Discount for Third-Party Credit Report | ✓ | — |
| Text and Email Alerts | — | All tiers |
| FICO® Score Inquiry Assist Service | — | Standard and Advanced |
| 35-Day Disputes | ✓ | — |
| Goodwill Interventions | ✓ | All tiers |
| 90-Day Guarantee | ✓ | — |
| Mobile App | — | All tiers |
| Personal Online Dashboard | ✓ | All tiers |
| Statute of Limitations Research | ✓ | — |
| Additional Bureau Challenges/Disputes | — | Advanced |
| Cease and Desist Interventions | ✓ | Advanced |
Sky Blue Credit shares many of our essential solutions for fixing credit but structure their offerings differently by combining them into one package. Deciding between their membership and ours may come down to which specific services you value in your journey toward restoring or maximizing your credit score.
Cost for credit repair services
We know the cost of credit repair services is a major consideration for those rebuilding their credit or working to get out of debt. To make sure you know exactly what you’re paying for, here’s how their pricing structure differs from ours.
Sky Blue Credit cost(4)
Sky Blue Credit has a progressive payment structure. Sign-up is free, with a $79 “Review/Setup Fee” due after six days. They also offer a discounted fee for couples, membership pausing and a 90-day guarantee.
- Individual: $79 per month
- Couples: $119 per month
CreditRepair.com cost(3)
In addition to monthly charges, we charge a “first-work fee” that’s necessary for covering expenses associated with setting up your account. For all three tiers, this one-time fee is equal to the monthly fee.
- Direct: $69.95 per month
- Standard: $99.95 per month
- Advanced: $119.95 per month
Note that while they are referred to by different terms, both companies charge upfront fees that are equal to their related monthly charges.
| Sky Blue Credit | CreditRepair.com | |
|---|---|---|
| Tier 1 | $79 individual, $119 couples | $69.95 |
| Tier 2 | — | $99.95 |
| Tier 3 | — | $119.95 |
Ratings
When shopping around for credit repair services—or any services, really—third-party ratings are crucial. These unbiased sources provide essential insight into a company’s trustworthiness, quality and industry standing. However, they can also vary widely based on the metrics used, the data collected and the way ratings are weighted.
To help provide a broader picture of how each company is rated, we’ve provided figures from three respected third-party reviewers.
Sky Blue Credit ratings
- Investopedia5: 3.9 / 5
- Consumer Affairs6: 4.8 / 5
- Trustpilot7: 3.2 / 5
CreditRepair.com ratings
- Investopedia8: 4.2 / 5
- Consumer Affairs9: 3.7 / 5
- Trustpilot10: 4.2 / 5
Sky Blue Credit rates higher by Consumer Affairs metrics, while CreditRepair.com has received higher ratings from Investopedia and Trustpilot.
Results
Whether it’s us, Sky Blue Credit or some other credit repair service, at the end of the day, the most important metric is what you see in your credit profile. Picking the right servicer to help fix your credit can help you with everything from applying for a mortgage loan to lowering interest rates to getting out of debt.
Credit scores are calculated using a wide range of criteria and can take months (and even years) to change, so there is no single metric for measuring credit repair results. Since desired outcomes vary based on each individual’s credit needs, here are a few key indicators of success for each company.
Sky Blue Credit results
Sky Blue Credit does not share results data publicly at this time, unfortunately. They also do not guarantee results for their service. However, they offer a 90-day guarantee starting at the date of enrollment11.
Since credit reports are generally updated within 30 to 45 days, according to TransUnion®, 90 days may be enough time to see results from their services. Depending on your situation, it may take longer than this period to rebuild credit.
CreditRepair.com results (1, 14)
- 76 percent of CreditRepair.com members saw their score improve seeing an average 40-point increase over 6 months.Members have seen over 8.2 million total removals from their credit reports since 2012.
- Over 800,000 interventions have been sent on our members’ behalf.
While we can’t compare numbers directly at this time, there are still other metrics you can use to compare us with Sky Blue Credit, including individual client reviews.
Customer reviews
Not sure if credit repair is worth it? One of the most telling measurements of what any company can do is their customer reviews. Below are a few customer-submitted reviews describing their experiences working with each company.
Sky Blue Credit customer reviews(13)
Sky Blue Credit has served many customers over their more than three decades of business. Here are what recent customers had to say about them.
| “You guys have done an amazing job. I’m so very happy my score has improved 100 points. I only have 1 thing left negative on my account now.” — Clint B. |
| “I would like to thank you for all your help in assisting us in repairing our credit this year. You have made a tremendous impact for us and we would like to thank you very much for what you have done.” — Robert B. |
| “I am very happy with the progress that was made and my credit report and score have shown considerable improvement in the last 6 months.” — James B. |
CreditRepair.com customer reviews(14)
CreditRepair.com has worked with over 850,000 members with their credit since 2012. Here’s how some of our over 850,000 members have responded recently.
Both options have seen many positive reviews from customers, and the above examples represent a small sample. You can always read more reviews from each option before making your decision.
| “With CreditRepair.com’s help, I was able to restore my credit from bad to good. Then, I was able to purchase a car with lower interest rates and even buy a home!”—Randell P. |
| “Very helpful. I love their plan. No issues with the subscription I purchased and I will use them again for any of my credit needs. Very nice, professional and down to earth friendly people that understand and work hard for you and your needs. Thanks.”—Teresa L. |
| “CreditRepair.com works hard for you. And if you have any financial issues they are flexible and want to help you keep the service. 10/10 definitely would recommend.”—Kaylee C. |
Professional reviews
Now that you know what customers say about each service, consider what industry professionals are saying about their strengths and unique offerings.
Sky Blue Credit professional reviews
“The credit repair firm has a proven three-step process that continues to help clients improve their poor credit, enhance their credit history going forward, and help them reach other financial goals.”
“Sky Blue Credit is a highly-rated credit repair company that is particularly good at helping people decide when and what to dispute on their credit reports.”
CreditRepair.com professional reviews
“CreditRepair.com is one of the best companies to help you repair your credit.”
“CreditRepair.com has a solid reputation and a history of solutions with a personalized touch. And with more than a decade of industry experience, CreditRepair.com can help with even the most complicated issues on your credit report.”
“CreditRepair.com is one of the best-known credit repair companies in the industry. This company has proven that its team has a great track record of disputing questionable items on clients’ credit reports.”
Member experience
Once you enroll in your service of choice, you’ll need to access that service. Here is what you can expect in terms of access and ease of use.
Sky Blue Credit customer experience
With Sky Blue Credit, you can access a dedicated member portal through a desktop or mobile device. As a member, you will also have access to on-call coaching.
CreditRepair.com customer experience
CreditRepair.com members get access to their own personal online dashboard, which includes score tracking and analysis so they can stay on top of their credit situation. We also offer text and email alerts and a mobile app for enhanced convenience and progress monitoring.
Customer service
When you enroll in a credit repair service, you place your financial well-being in the hands of dedicated professionals. These companies don’t take this responsibility lightly. They understand that you may have questions, concerns or details you need to discuss with someone.
Sky Blue Credit customer service
Sky Blue Credit boasts best-in-class customer service. Members can reach them via phone, webform and postal mail.
- Phone: 1-800-790-0445, 9 a.m.-7 p.m. EST, Monday-Friday
- Online: Via webform on their website
- Postal mail: Sky Blue Credit, 5401 Broken Sound Blvd NW, Ste. 202, Boca Raton, FL 33487
CreditRepair.com customer service
CreditRepair.com members can expect top-notch customer service from professionals who truly care.
- Phone: 1-800-232-6499, 7 a.m.-7 p.m. MST, Monday-Friday
- Online: memberservices@creditrepair.com
Free resources
Want to learn more about repairing or rebuilding your credit? Free resources like credit guides, tips and calculators can help!
Sky Blue Credit resources
- Sky Blue Credit’s Education Center provides free informational resources like a blog, Q&A section and credit repair tutorial.
CreditRepair.com resources
- Our Credit Score Estimator can predict your credit score in minutes.
- The CreditRepair.com blog provides a wealth of guides and information on topics like credit improvement, debt management and identity protection.
- Anyone can keep up with credit tips and industry updates by following us on Facebook, Twitter and Instagram!
How to choose between Sky Blue Credit vs. CreditRepair.com
Not quite sure yet which credit repair company is right for you? Here’s a brief summary of how key features stack up.
Services
Both companies provide essential credit repair services like bureau challenges and disputes, score analysis and inquiry assistance. CreditRepair.com also offers credit monitoring and regular updates as well as a mobile app and additional disputes.
Costs
Our Direct package costs $69.95 per month, while Sky Blue Credit’s sole package costs $79 per month (or $119 per month for a couple). We also offer two additional packages at $99.95 and $119.95 per month.
Reviews
Both companies have many positive reviews from both customers and professional third-party reviewers.
Experience
CreditRepair.com has provided credit repair services for hundreds of thousands of members since 2012, while Sky Blue Credit has been in business since 1989.
At CreditRepair.com, we specialize in repairing credit for our members. We helped them improve their credit standing, and we could help you, too.
Sources:
- https://www.creditrepair.com/
- https://skybluecredit.com/services/
- https://www.creditrepair.com/faq/how-much-does-credit-repair-cost
- https://skybluecredit.com/easy-cost/
- https://www.investopedia.com/sky-blue-credit-repair-review-5081331
- https://www.consumeraffairs.com/finance/sky-blue-credit-repair.html
- https://www.trustpilot.com/review/skybluecredit.com
- https://www.investopedia.com/creditrepair-com-credit-repair-review-5083708
- https://www.consumeraffairs.com/finance/creditrepaircom.html
- https://www.trustpilot.com/review/www.creditrepair.com
- https://skybluecredit.com/a-clear-guarantee/
- https://www.creditrepair.com/how-credit-repair-works
- https://skybluecredit.com/customer-reviews/
- https://www.creditrepair.com/reviews
Note: The information provided on CreditRepair.com does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only.
