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Credit Saint vs Sky Blue Comparison

In today’s financially-driven world, maintaining a healthy credit score is crucial. Credit repair companies like Credit Saint and Sky Blue Credit Repair have emerged as popular solutions to help individuals improve their creditworthiness.

This article aims to provide a comprehensive comparison between Credit Saint and Sky Blue Credit Repair, considering various factors such as reputation, services offered, pricing, and customer satisfaction. By examining these aspects, readers can make an informed decision about which credit repair company best suits their needs.


Both Credit Saint and Sky Blue Credit Repair have established themselves as reputable credit repair companies. Credit Saint has been serving clients for over 15 years, earning accolades for its comprehensive credit repair services. Sky Blue Credit Repair has a solid reputation for assisting clients in improving their credit scores since 1989. Both companies have garnered positive reviews from customers and maintain good standing with regulatory agencies.

Review PlatformSky BlueCredit Saint
BBB RatingB-A
Google Business Rating4.3/54.8/5
Consumer Affairs Rating4.8/54.9/5
NCITP Rating4/54/5

Services Offered

Credit Saint and Sky Blue Credit Repair offer a range of services designed to assist clients in repairing their credit profiles.

Credit Saint provides a three-tiered approach, including its Credit Polish, Credit Remodel, and Clean Slate programs. These programs cater to clients with varying degrees of credit issues, offering personalized strategies to address negative items on credit reports.

Across all packages, Credit Saint offers the following services:

  • Free Credit Consultation: Before signing up for any services, potential clients can receive a free credit evaluation to understand their credit report issues and how Credit Saint can help.
  • Tailored Dispute Letters: Based on the consultation, Credit Saint creates customized dispute letters to send to the credit bureaus, challenging inaccuracies on your credit report.
  • Escalated Information Requests: For more stubborn inaccuracies, Credit Saint employs escalated dispute tactics to ensure your credit report reflects only accurate information.
  • Credit Score Analysis: Clients receive an in-depth analysis of their credit scores to understand the factors affecting them and to identify opportunities for improvement.
  • 90-Day Money-Back Guarantee: Credit Saint offers a 90-day money-back guarantee if you do not see any questionable items removed from your credit report in the first 90 days.

Sky Blue Credit Repair, on the other hand, focuses on credit report analysis and dispute processes. They work with clients to identify inaccurate or unverifiable information on their credit reports and then assist in disputing these items with the credit bureaus. While their services are more streamlined, they are effective in removing derogatory entries from credit reports.

Their full offerings include:

  • Pro Analysis: A thorough examination of your credit reports from the three major credit bureaus to identify disputable items.
  • Dispute Process: Sky Blue challenges inaccurate, unfair, or unsubstantiated items with the credit bureaus and creditors. They manage this process by sending customized dispute letters tailored to your specific credit report issues.
  • Credit Score Assistance: Guidance on steps you can take beyond disputes to improve your credit score, including advice on how to manage your credit lines, optimize your debt ratios, and other personalized credit score improvement tips.
  • Credit Rebuilding Assistance: If you’re starting from scratch or need to rebuild your credit, Sky Blue provides advice on the best strategies to use, potentially including secured credit cards and other tools to establish a positive credit history.
  • 15-Item Disputes per 35 Days: Sky Blue offers to dispute up to 15 items (5 items per credit bureau) every 35 days, which is their cycle for sending dispute letters.
  • Debt Validation Services: For accounts that have already gone to collections, Sky Blue can help by requesting debt collectors to validate that they have the legal right to collect the debt. This is an important step, as collectors must be able to prove they own the debt and that the amount they claim is accurate.
  • Debt Settlement and Negotiation Services: In some cases, Sky Blue may assist with negotiating with creditors to settle debts for less than the full amount owed, a service that can be crucial for individuals facing significant debt challenges.
  • Couples Discount: Sky Blue offers a discount for couples who sign up together, making it more affordable for both individuals to receive credit repair services.
  • User-Friendly Client Portal: Access to a client portal where you can track the progress of your credit repair journey, view your disputes, and communicate with the Sky Blue team.


Sky Blue Credit Repair follows a simpler pricing model, with a flat fee of $79 – $99 per month depending on the level of repair needed. They also provide a 90-day money-back guarantee, which gives customers peace of mind. Sky Blue’s pricing structure makes it more affordable for individuals with limited budgets or those seeking a streamlined credit repair process.

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Credit Saint offers three pricing tiers: Credit Polish ($79.99 per month), Credit Remodel ($99.99 per month), and Clean Slate ($119.99 per month). The tiered structure allows customers to choose the level of service that best suits their credit repair needs. Credit Saint also offers a 90-day money-back guarantee, which ensures customer satisfaction.

PlansCredit SaintSky Blue Credit Repair
Pricing $79.99 – $119.99 per month $79 – 99 per month

Customer Satisfaction

Both Credit Saint and Sky Blue Credit Repair have received positive feedback from their customers. Credit Saint’s personalized approach and comprehensive credit repair programs have garnered praise for their effectiveness. Sky Blue Credit Repair, on the other hand, is known for its excellent customer service and transparent communication throughout the credit repair process. Their focus on credit report analysis and disputes has yielded positive outcomes for many clients.

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When it comes to choosing between Credit Saint and Sky Blue Credit Repair, it ultimately depends on individual needs and preferences. Credit Saint offers a more comprehensive credit repair service with its tiered programs, catering to clients with varying degrees of credit issues. Sky Blue Credit Repair, on the other hand, specializes in credit report analysis and dispute processes, providing an efficient solution for removing inaccuracies.

Considering factors such as pricing and services offered, Sky Blue Credit Repair may be a better option for individuals seeking a straightforward credit repair process at an affordable price. However, for those in need of more personalized and in-depth credit repair services, Credit Saint’s tiered programs might be a more suitable choice.

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Comparison Summary

FactorsCredit SaintSky Blue Credit Repair
ReputationEstablished over 15 yearsOperating since 1989
Services OfferedThree-tiered approach: Credit Polish, Credit Remodel, Clean SlateCredit report analysis and dispute processes
Pricing $79.99 – $119.99 per month $79 per month
Customer SatisfactionPositive reviews for a personalized approach and comprehensive programsKnown for excellent customer service and transparent communication

2024 Data Sources