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Sky Blue Credit vs Lexington Law: Who’s Better?

Written by Mike Pearson
Updated September 22, 2022

In A Nutshell

Repairing a bad credit score can be a daunting prospect, which is why many people turn to credit repair companies like Sky Blue Credit and Lexington Law. Both rank among the top credit repair companies out there, but it’s important to compare and contrast things like price, customer service, and features before you pick one over the other.

Sky Blue Credit

Sky Blue Credit, which is headquartered in Florida, has been in business since 1989, making it one of the oldest credit repair companies in the industry. While it doesn’t offer a free consultation, you won’t pay anything if you decide to cancel within the first six days of signing up. 

Pricing is simple, as Sky Blue offers just one plan for $79, plus a one-time setup fee of $79. Sky Blue also offers a 90-day unconditional money-back guarantee, which is one of the best in the business.


Sky Blue offers straightforward services and pricing, with an all-in-one plan that costs $79 to sign up and then $79 a month for each month you use the service. For this price, Sky Blue will dispute a maximum of five items for each of the three credit bureaus (15 items total) every 35 days. 

If you sign up with a spouse, you’ll get 50% off your second signup fee, as well as a 50% discount on your ongoing monthly fee. This makes Sky Blue an attractive option for couples who want to improve their credit scores.

Besides disputes, Sky Blue’s all-inclusive credit repair service includes goodwill letters, debt validation, and cease and desist letters. Many credit repair companies charge more for these types of services, so Sky Blue gets high marks for offering a broad range of services for one price.

One potential drawback to be aware of is Sky Blue’s lack of additional services, such as credit monitoring. If you’re interested in more than credit dispute services, it’s worth looking at other options to see if a different credit repair company is a better fit. 

How Does Sky Blue Credit Work?

With Sky Blue, it’s easy to enroll and start repairing your credit right away. 

  • Complete the sign-up form – First, you’ll need to enroll as a Sky Blue customer. You do this by filling out a sign-up form that asks for your personal information as well as payment info.
  • Get your credit reports – Next, Sky Blue will assist you in getting your credit reports from the three major credit bureaus: Experian, Equifax, and TransUnion. 
  • Sky Blue reviews your reports – Once you have your credit reports and have shared them with Sky Blue, they will review your reports line by line and find items to dispute. 
  • Sky Blue disputes negative items – From here, Sky Blue will dispute up to 15 negative items every 35 days.

You can continue your Sky Blue plan for as long as you wish, and you can cancel without penalty at any time. 

Pros and Cons

Like all credit repair companies, Sky Blue has its pros and cons. Here are the main things you need to be aware of. 


  • Excellent money-back guarantee – Sky Blue offers a no-strings-attached 90-day money-back guarantee, which is hard to beat. If you’re not satisfied with the results within 90 days of signing up, you can cancel and get a refund. 
  • Affordable – At $79 per month, Sky Blue’s credit repair package is all-inclusive, easy to understand, and within most people’s budgets. 
  • Great reviews – Sky Blue has an average 4.27-star rating on the Better Business Bureau (BBB) website.


  • Limited services – Sky Blue’s all-in-one package doesn’t include add-ons like credit monitoring or budgeting assistance.
  • No free consultation – While the money-back guarantee is excellent, Sky Blue doesn’t offer a free consultation, so you can’t really try before you buy. 
  • No 24/7 customer support – Sky Blue’s customer service help is only available Monday through Friday between the hours of 9 am and 6 pm. 


Overall, Sky Blue Credit ranks among the top choices for credit repair. While you will always find some bad reviews regardless of the company, by and large, Sky Blue gets high marks from customers.

On the BBB website, Sky Blue has a 4.27-star rating out of 5 stars, with most customers leaving positive reviews. Sky Blue also responds to every negative review or complaint, which indicates it takes customer concerns seriously. 

The company also averages 4.3 stars out of 5 on Google, with a total of 283 reviews. In some cases, reviewers noted that Sky Blue reviewed their credit and let them know Sky Blue probably couldn’t help improve their score, which is a sign the company is trustworthy and upfront about whether it can truly offer assistance. 

Is Sky Blue Legit?

Sky Blue is a legitimate and well-known credit repair company that has been in business since 1989. The company offers a generous 90-day money-back guarantee that lets you cancel for any reason, so you’ll never get locked into a contract or ongoing service.

Lexington Law

Lexington Law is a real law firm that has been in business since 1993. It offers three tiers of credit repair services that range in price from $89.85 a month to $129.95 a month.

According to Lexington Law‘s website, it has sent out more than 221 million disputes on behalf of its customers since 2004. In 2020, the company helped remove 7 million negative items from consumers’ credit reports. 

While Lexington Law has been in business for nearly 30 years and has a solid reputation, the company has been the subject of regulatory action. In 2019, the Consumer Financial Protection Bureau (CFPB) filed a lawsuit against the company, claiming it asked customers to pay upfront fees for credit repair services, which is a violation of federal consumer protection law.


Lexington Law is a law firm staffed by lawyers, paralegals, and credit repair professionals who specialize in disputing negative items and errors on credit reports. 

The company offers three levels of services that vary in price: 

Premier PlusConcord PremierConcord Standard
$129.95 a month$109.95 a month$89.85 a month

Source: Lexington Law

The Concord Standard package is Lexington Law’s base plan. For $89.85 a month, you receive disputes and creditor interventions. If you want additional services, however, you’ll have to purchase a more expensive plan. 

The Concord Premier package, which is Lexington Law’s mid-range plan, costs $109.95 a month and gives you everything in the Concord Standard plan plus inquiry assist, score analysis, ReportWatch, and TransUnion credit report alerts.

At $129.95 a month, the PremierPlus package is the most expensive plan Lexington Law offers. This plan gets you access to everything in the two lower tiers plus cease and desist letters, FICO score tracker, identity theft protection, and personal finance tools. 

How Does Lexington Law Work?  

Lexington Law operates much the same way as other credit repair companies. 

  • Sign up for credit repair services – To get started with Lexington Law, you can either sign up over the phone by calling 1-844-338-3876 or fill out a form online.
  • Get your credit reports – Once you’re signed up, Lexington Law will obtain your credit reports and identify items that are good candidates to dispute. 
  • Dispute negative items – From here, Lexington Law will send out dispute letters on your behalf. 
  • Escalate disputes – If disputed items require additional attention, Lexington Law will follow up on your behalf and continue disputing the items until they’re resolved. 

Pros and Cons

Lexington Law offers plenty of benefits, but there are also some potential drawbacks to be aware of before you sign up.


  • Staffed by real lawyers – Lexington Law employs real lawyers, which sets it apart from the competition. The company is also staffed by paralegals and credit repair professionals. 
  • Consumer-friendly app – According to Lexington Law’s website, it offers the #1 credit repair app in the industry. If you like the ease and convenience of managing the credit repair process from your phone, you can download the app for free for your iPhone or Android device.    
  • Free credit assessment – Lexington Law offers a complimentary credit assessment, which includes your free credit score, a credit report summary, and expert recommendations.  
  • Additional services – Unlike Sky Blue and other competitors, Lexington Law offers add-on features like identity theft protection and credit alerts.


  • Regulatory action – The CFPB claims Lexington Law required customers to pay an upfront fee for credit repair services, which is prohibited by consumer protection statutes. Credit repair companies aren’t permitted to charge you a fee before they conduct work on your behalf. 
  • More expensive than competitors – While Lexington Law provides a broad menu of services, you’ll have to sign up for its most expensive plan to get access to everything it has to offer. 
  • Confusing pricing structure – Many reviewers complain that Lexington Law’s pricing structure is difficult to understand.  


Lexington Law has a mix of positive and negative reviews. It’s a good idea to read through the reviews available online so you can get an idea of what other people liked and disliked about the company’s services.

Lexington Law has an impressive 4.7 out of 5 stars and over 44,000 reviews in the Apple store, where reviews include comments about both the credit repair service and the quality of the app. 

On the other hand, Lexington Law scores a dismal 2.07 out of 5 stars on the BBB website, where it has 319 customer reviews.

Is Lexington Law Legit?

Lexington Law is a legitimate credit repair company and a real law firm based in Utah. The company has offered credit repair services for nearly three decades.

In recent years, Lexington Law has come under scrutiny by the CFPB for possible violations of consumer protection laws, so this is something to keep in mind if you’re considering working with them. 

Sky Blue Credit vs. Lexington Law: Which Is Right for You?

Both Sky Blue Credit and Lexington Law are leaders in the credit repair industry. They are both well-known and respected companies with many years of experience disputing mistakes and negative items on consumers’ credit reports. 

Ultimately, which credit repair service you choose depends on which factors are most important to you, whether it’s the price, features, reputation, or something else.  


Both Sky Blue Credit and Lexington Law offer credit repair services, with a focus on disputing negative items. However, Sky Blue’s offerings are limited to challenges and disputes, whereas Lexington Law offers a much broader menu that includes cease and desist letters, credit monitoring, credit score alerts, and personal finance tools. 


Sky Blue Credit is the more affordable option with a single service tier that costs $79 per month. By contrast, Lexington Law offers three levels of service that range in price from $89.85 to $129.95 a month.  


Sky Blue Credit has arguably limited features in that its credit repair service only gives you access to negative item disputes and challenges. Lexington Law offers a broader range of features, but you’ll pay a premium to get access to them. 


Once again, Sky Blue Credit edges out Lexington Law with its fantastic 90-day money-back guarantee. By contrast, Lexington Law doesn’t include any references to a money-back guarantee anywhere on its site, which says only that you can cancel at any time without incurring additional charges. 

Ratings and Complaints

Sky Blue Credit has an average rating of 4.27 stars out of 5 on the BBB website, plus 4.3 stars out of 5 on Google. Lexington Law has an average of 2.07 out of 5 stars on the BBB website, however, its app scores 4.7 out of 5 stars in the Apple store.

Customer Support

Sky Blue’s customer support agents are only available on weekdays between 9 am and 6 pm Eastern time. While Lexington Law’s sales team is available seven days a week, customer support for existing customers is only open Monday through Friday from 7 am to 7 pm Mountain time.


One of the important things to remember before choosing a credit repair service is that credit repair companies can’t do anything for you that you can’t already do on your own. However, they are experienced in disputing negative items on credit reports, and they have a streamlined process that can often get better results than a regular consumer who is trying to clean up their credit on their own. 

Reputable credit repair companies will review your credit report and be honest with you about what they can and can’t do. If an item is accurately reported, a credit repair company can send a goodwill letter asking the creditor to remove the item, but the creditor is under no obligation to do so. 

Sky Blue Credit vs. Lexington Law Alternatives

Sky Blue Credit and Lexington Law aren’t the only reputable credit repair services around. Here are some alternatives to consider.

  • Credit Saint – Credit Saint offers a 90-day money-back guarantee. It charges an initial signup fee ranging from $99 to $195 plus a monthly fee of $79.99, $99.99, or $119.99.  
  • The Credit People – The Credit People offers both flat rate and monthly rate plans. The flat rate costs $419 for six months of credit repair services, and the monthly plan is $19 to start and then $79 a month for as long as you remain enrolled in credit repair services.
  • The Credit Pros – The Credit Pros offer four tiers of services that range in price between $69 a month and $149 a month.  


Credit repair companies like Sky Blue Credit and Lexington Law can make the credit repair process easier. Each company has its pros and cons, so it’s important to thoroughly review what they have to offer before signing up.

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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.