Sky Blue Credit Repair Review: Our Top Ranked Company For 2021

By Mark Huntley, J.D.

Real estate investor, lawyer, personal finance writer, and Co-Founder of Credit Knocks

Advertiser Disclaimer - Some links on this page may pay us advertising fees.

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We write a lot of reviews, and many of the companies' websites say all the right things, but when we dig deeper and read customer reviews, we find most 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!


A lot of happy customers.


Best monthly price reviewed. 


Great member services.


Highest rated customer service.

    Credit Knocks Overall Star Rating:     

  • No Additional Fees
  • Lowest Monthly Price
  • 90-Day Guarantee
  • Top Customer Service
  • High Initial Work Fee
  • Not In Every State


Sky Blue Credit Repair has been in the credit repair business for many years and over that time has earned an excellent reputation for their customer service. 

Their customer-focused program offers the lowest reviewed monthly rate with features that include membership pause and a no-fine-print 90-day money-back guarantee. 

They are an excellent choice to help you whether you need a complete credit restoration or just to dispute a couple of records. 

Free consultation. Industry-best pricing. 90-day money-back guarantee.

Who Is Sky Blue Credit Repair?

The two most commonly googled 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 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. 

Blue Sky Credit Repair has been helping customers fix their credit for over 30 years, whether you have, late payments, charge-offs, collections, inquiries, bankruptcies, repossessions, or judgments. 

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

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

blue sky credit repair review best in class support

What Makes Them Different?

They are the most reputable credit repair company in the U.S. within an industry where 'shady' is the norm.

Blue Sky Credit not only offers a no B.S. 90-day money-back guarantee but also provide their customers the option to 'pause' their membership at any time.

Sky Blue has the best customer reviews of any credit repair company we have researched.

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 their closest competitors reviews...

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Lowest monthly price in the industry.  90-day money-back guarantee.

What Does Sky Blue Credit Repair Cover?

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 your all of your credit restoration needs. 

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Best monthly price in the industry.  90-day money-back guarantee.

What Does Blue Sky Credit Repair NOT Cover?

They cannot guarantee you a specific outcome with your credit but they will give you a 90-day money-back guarantee. 

They legally can't guarantee what will happen to your credit due to laws within the Credit Repair Organizations Act (CROA). 

They also probably won't be able to help with: 

sky blue credit repair review enrollment signup

Student Loan Removal

Unless you are having a financial burden or can find a loan forgiveness program, the possibility of getting a student loan removed from your credit is going to be nearly impossible.

There are things you can do to lessen the blow of poor student loan payment history and Blue Sky Credit Repair review can help with that.

Because of the guidelines laid out by the CROA, no credit repair company can guarantee the fixing of bad credit.

How Much Does Sky Blue Credit Repair Cost?

When you signup, they 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.

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. 

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Couples Discount

Blue Sky Credit Repair also offers a couples discount of 1/2 off the second person's monthly price. 

You do not have to be married to receive the couples discount.

To qualify of 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



Best monthly price in the industry.  90-day money-back guarantee.

Sky Blue Credit Repair Reviews

Customer reviews are the single most important tool we use to evaluate a company.

Many of these companies have amazing websites that promise the world, but when we read what their customers say, frequently they do not deliver.

I don't buy a product before I read the Amazon reviews because I know I will get honest customer opinions.

Unfortunately, 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 feel incredibly confident in recommending Blue Sky Credit Repair to you after reading thousands of positive reviews. 

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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.

They then were directed to Blue Sky's free credit education section to fix their credit themselves.

Another theme of unbelievable reviews was from people whose memberships were canceled by Blue Sky Credit Repair because they had fixed everything they could.

One of the reviews that blew our mind was when they refunded a customers 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

Credit Knocks Reviews Avg. Rating


Google Reviews Avg. Rating


Better Business Bureau Avg. Rating


Creditful Reviews Avg. Rating


Consumer Affairs Reviews Avg. Rating


Best Company Reviews Avg. Rating




Better Business Bureau Rating (BBB)

The Better Business Bureau or more commonly referred to as the BBB rates businesses based on several criteria in the hopes to give consumers a fair rating to judge.

Interestingly, the Sky Blue Credit Repair BBB rating is a C+, but their customer reviews rating is an astounding 5.0.

Sky Blue is not accredited by the BBB, which means they don't pay the BBB thousands of dollars a year to be a member. 

I'm unsure how or if being accredited helps with a businesses rating. 

It does seem strange to me that Better Business Bureau customers would rate Blue Sky Credit Repair BBB a 5.0 but the company gave them a C+. 

Blue Sky is the only credit restoration company I know with a 5.0 customer service rating at the BBB. Just saying...

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Sky Blue Credit Repair Phone Number & Address

Blue Sky has been located in Boca Raton, Florida since it's inception in 1989. 

You can find them in 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.

Who Is Sky Blue Credit Repair For? 

Individuals or Couples with bad credit

Credit restoration 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.

With better credit you can also get better employment opportunities as people do review your credit for certain jobs.

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

Mortgage lenders determine the terms of the loan based on your credit score and report. The higher the score, the better the terms and lower the cost of the loan.

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The Sky Blue Credit Repair 90-Day Money-Back Guarantee

Sky Blue Credit Repair is the only company in the industry to offer a condition free 90 day money back guarantee.

If for any reason in the first 90 days if you are not happy 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. 

According to their website, to be eligible you must meet and comply with only one term: 

  •  If during the first 90 days of membership, you are not happy, we will refund your money in full.
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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, be sure to send them to Blue Sky 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.

Best monthly price in the industry.  90-day money-back guarantee.

How To Cancel Sky Blue Credit Repair?

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. 

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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

There are some places where Sky Blue Credit Repair does not provide credit restoration but you have to be outside the U.S. to be affected.

Blue Sky Credit Repair provides services to all 50 states but not to some of the following areas: 

  • Outside the U.S.
  • Moon
  • Pluto
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Best Alternative To Sky Blue Credit Repair

While you might be expecting to see the name of some competitors, the truth is that doing the work yourself is the best alternative.

We have created a step-by-step guide you can use to boost your credit score anywhere from 50 to 100 points in 30 Days.

You can also check out our Credit Building Weapons where we show you the best free and paid ways to build your credit.

Last but not least you can join our 90 Day Credit Sprint Challenge which is also free to join and participate in. 

The best thing these different approaches is that it won't cost you a monthly fee or a sign up fee to start the process.

Did you know?

48% of credit repair customers saw a 100 point or more credit score increase after 6 months. 

U.S. Credit Repair Survey (Oct '19) 

You might have to spend money on obtaining a secured card or a credit builder loan; however, you don't pay anything directly to Credit Knocks.

An alternative to Sky Blue Credit Repair would be either Credit Saint or The Credit Pros, while they are not rated as well, they do offer comprehensive restoration services with a history of positive results. 

Two credit repair companies that we'd suggest you steer clear of are Lexington Law and

These two companies were recently involved in a lawsuit by the government agency Consumers Financial Protection Bureau (CFPB) for using deceptive marketing practices. 

You can keep up to date on the latest news on the complaints filed against Lexington Law and by clicking here. 

Free consultation. Industry-best pricing. 90-day money-back guarantee.

Taking Action On Your Credit

Hopefully, you found the Sky Blue Credit Repair Review we wrote to be helpful because starting your credit journey can be complicated and confusing.

There is no better time than now to get things started and the sooner you get your credit in a better position the better off you can obtain the things that have been eluding you. 

Start establishing or rebuilding your credit today with the help of Blue Sky Credit Repair reviews. 

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

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