Sky Blue Credit

Passed every point (9/9) as of 24 September 2026.

Checks confirmed: 9/9
Verified: 24 September 2026
Next check: 24 March 2027
Category: credit repair

Key findings

Charges a $79 enrollment fee and $79/month ongoing service fee; this is the industry-standard pay-for-service-rendered-each-cycle model (letter-writing, monitoring) rather than a fee expressly conditioned on a specific promised outcome.
Satisfaction-only refund type, the most defensible of the three under our standard.
Approximately 2 complaints in the CFPB Consumer Complaint Database over the last 3 years per third-party review aggregation, both closed with explanation in a timely manner.
No FTC, CFPB, state AG, or NAD action identified against Sky Blue Credit Repair Inc.
Flat, published $79 setup + $79/month, publicly listed.
Discloses a specific cadence (up to 5 items disputed per bureau every 35 days, 15 items total across all 3 bureaus), FCRA-compliant dispute letters, and re-dispute follow-up if items aren't corrected.

Check overview

Every point on our standard, checked individually — not one blended score.

Advance Feespass
Guaranteed Resultspass
CFPB Complaintspass
Enforcement Historypass
Fee Schedulepass
State Registrationunknown
Dispute Transparencypass
Named Company Ownershippass
Cancellation Rightsunknown

Read the full explanation for each point

Advance Feespass
Charges a $79 enrollment fee and $79/month ongoing service fee; this is the industry-standard pay-for-service-rendered-each-cycle model (letter-writing, monitoring) rather than a fee expressly conditioned on a specific promised outcome.
Guaranteed Resultspass
Satisfaction-only refund type, the most defensible of the three under our standard.
CFPB Complaintspass
Approximately 2 complaints in the CFPB Consumer Complaint Database over the last 3 years per third-party review aggregation, both closed with explanation in a timely manner.
Enforcement Historypass
No FTC, CFPB, state AG, or NAD action identified against Sky Blue Credit Repair Inc.
Fee Schedulepass
Flat, published $79 setup + $79/month, publicly listed.
State Registrationunknown
Not independently verified against all state CSO registries.
Dispute Transparencypass
Discloses a specific cadence (up to 5 items disputed per bureau every 35 days, 15 items total across all 3 bureaus), FCRA-compliant dispute letters, and re-dispute follow-up if items aren't corrected.
Named Company Ownershippass
Long-standing, named operator: Sky Blue Credit Repair Inc.
Cancellation Rightsunknown
Not independently verified in the current enrollment contract, though Sky Blue is a CROA-covered Credit Repair Organization and thus subject to the mandatory 3-day cancellation right.

How this was verified

Checked against our published standard — the exact sources each point is checked against are listed in our methodology, never this company's own marketing.

Corrections & disputes

Think something here is wrong or out of date? Report it — we commit to reviewing every dispute within 5 business days. Any past correction to this Register is logged publicly in the Corrections section.