Sky Blue Credit vs. Lexington Law: A Comprehensive Comparison for 2023
Credit repair companies are becoming increasingly popular as people look to improve their credit scores and financial health. Among the most popular ones are Sky Blue Credit and Lexington Law. Both companies offer similar services, but which one is better? In this article, we will provide a comprehensive comparison of Sky Blue Credit vs. Lexington Law, helping you decide which one to choose.
When it comes to credit repair, you have many options available to you. Two of the most popular companies are Sky Blue Credit and Lexington Law. Both offer similar services, but which one is right for you? In this article, we will compare the two companies to help you make an informed decision.
Background Information on Sky Blue Credit and Lexington Law
Sky Blue Credit has been in business for over 30 years, providing credit repair services to people across the United States. They have an A+ rating from the Better Business Bureau (BBB) and have helped thousands of people improve their credit scores.
Lexington Law, on the other hand, has been in business for over 20 years and has helped over a million people repair their credit. They have an A- rating from the BBB and are one of the most well-known credit repair companies in the country.
Both Sky Blue Credit and Lexington Law offer similar services. They will review your credit reports and dispute any errors or inaccuracies. They will also provide you with advice on how to improve your credit score and maintain good credit.
Sky Blue Credit offers a few additional services, such as debt validation and goodwill letters, which can help you remove negative items from your credit report. Lexington Law offers credit monitoring services, which can help you keep track of your credit score and any changes to your credit report.
Credit Repair Process
The credit repair process for both companies is similar. You will need to provide them with copies of your credit reports, which they will review for errors and inaccuracies. They will then dispute any negative items with the credit bureaus and work to have them removed.
Both companies will provide you with regular updates on your credit repair progress. Sky Blue Credit offers a 90-day guarantee, which means that if you are not satisfied with their services after 90 days, you can get a full refund.
Both companies have good customer service, but there are some differences. Sky Blue Credit has a dedicated customer service team that is available by phone or email. They also offer a customer portal where you can track your progress and communicate with their team.
Lexington Law also has a customer service team that is available by phone or email. They offer a mobile app that allows you to track your credit repair progress, and they also provide you with a personal case advisor who will work with you throughout the credit repair process.
Pricing and Fees
The pricing and fees for both companies are similar. Sky Blue Credit charges a one-time setup fee of $79, and then a monthly fee of $79. Lexington Law charges a setup fee of $99.95 and then a monthly fee of $79.95.
Pros and Cons
Both Sky Blue Credit and Lexington Law have their own advantages and disadvantages. Here are some of them:
Sky Blue Credit Pros:
- 90-day money-back guarantee
- Additional services like debt validation and goodwill letters
- Discounts for veterans and couples
- A+ rating from BBB
Sky Blue Credit Cons:
- No mobile app or personal case advisor
- No credit monitoring services
Lexington Law Pros:
- Over a million people helped
- Credit monitoring services
- Personal case advisor
- Offers additional services like identity theft protection
Lexington Law Cons:
- Setup fee is higher than Sky Blue Credit
- No money-back guarantee
- A- rating from BBB
Sky Blue Credit vs. Lexington Law: Which One to Choose?
Ultimately, the decision of which credit repair company to choose depends on your specific needs and preferences. If you are looking for a company with a 90-day money-back guarantee, additional services like debt validation and goodwill letters, and discounts for veterans and couples, Sky Blue Credit might be the better option for you.
On the other hand, if you are looking for a company with credit monitoring services, a personal case advisor, and additional services like identity theft protection, Lexington Law might be the better option for you.
What is credit repair?
Credit repair is the process of identifying errors or inaccuracies on your credit report and working to have them removed. This can help improve your credit score and make it easier to get approved for loans or credit cards.
How long does it take to repair my credit?
The time it takes to repair your credit depends on the extent of the damage and the number of negative items on your credit report. It can take anywhere from a few months to a few years to see significant improvement in your credit score.
Can I repair my credit on my own?
Yes, you can repair your credit on your own by identifying errors or inaccuracies on your credit report and disputing them with the credit bureaus. However, credit repair companies like Sky Blue Credit and Lexington Law can often provide additional expertise and guidance to help you improve your credit score more quickly.
How much does credit repair cost?
The cost of credit repair varies depending on the company and the services offered. Sky Blue Credit charges a one-time setup fee of $79 and a monthly fee of $79. Lexington Law charges a setup fee of $99.95 and a monthly fee of $79.95.
Will credit repair guarantee my loan approval?
No, credit repair cannot guarantee loan approval. However, improving your credit score can make it easier to get approved for loans or credit cards and can also help you get better interest rates and terms.
Sky Blue Credit and Lexington Law are both popular credit repair companies that offer similar services. By comparing the two, you can determine which one is the best fit for your needs. Consider factors such as pricing, services offered, and customer service before making your decision.