Are you considering repairing your credit, but can’t decide which service to sign up for? Then you have come to the right place! Our experienced credit reviewers have compiled below a side-by-side comparison of two of the top credit repair services in the nation: Sky Blue Credit Repair and Lexington Law. We have compared all aspects of each service so you can best decide which one to go with. Get ready for 10 rounds of head-to-head action from these two great credit repair contenders. Now you can decide for yourself: which is better, Sky Blue Credit vs Lexington Law.
Sky Blue Credit Repair vs Lexington Law | Which Service is a Better Choice?
Tale of the Tape: Lexington Law
Lexington Law has been providing excellent credit repair services for over 27 years. With 200 paralegals and agents across 19 states, they ensure the highest standard of credit repair in the country.
Tale of the Tape: Sky Blue Credit
Sky Blue has its own amazing resume with over 30 years in the industry as well. They have a super clean record with the BBB and they offer the best money-back guarantee in the business.
Round 1: Pricing
Pricing: Lexington Law
3 different pricing plans: $89.95, $109.95 and $129.95. Sign up for one of the plans and after 5 days you will be charged an $89.95 first work fee. Then 30 days from that you will be charged for whatever plan you chose.
Pricing: Sky Blue Credit
1 simple pricing plan. No initial charge when signing up. Then after 6 days, after they have started working on your file, you will be charged a setup fee of $79.
And then it’s just $79 every thirty days. You can quit at any time. There are no long-term contracts
Thoughts and comments:
We are just not a fan of confusing pricing plans. The basic Lexington Law package (which is $10 more than Sky Blue Credit) includes credit bureau challenges and creditor interventions. That is all it says on their website. To get a score analysis, cease and desist letters, and a FICO score tracker, you have to pay more.
Sky Blue Credit offers everything for one simple price.
There are no extra charges with Sky Blue for getting a credit score analysis, debt validation, goodwill letters, cease and desist letters, debt settlement/negotiation consultations, or help with rebuilding your credit.
Sky Blue gets a big edge here when it comes to price, the value of what you are getting, and the simplicity of the pricing.
Who wins round 1 – For Pricing?
Sky Blue Credit
This one really isn’t even close
Sky Blue has a simple pricing structure
Sky Blue Credit offers more features and value for less
Round 2: Guarantee
Guarantee: Lexington Law
On the Lexington Law website in their FAQs section, Lexington Law states that unfortunately because credit repair is never guaranteed, they do not offer a guarantee. Not fully standing behind your service is a tough one for us to swallow. It just doesn’t make any sense. They should consider offering some sort of warranty or assurance.
Guarantee: Sky Blue Credit
90-day full money-back guarantee.
If you are not happy for ANY reason from the date that you signed up, you will get your money back. Whatever you have paid during the 90 days will be refunded.
This is by far the best guarantee in the entire credit repair industry.
Thoughts and comments about Lexington Law’s Guarantee
While we completely understand the point that Lexington Law is making about credit repair not being guaranteed, we still feel that they should offer some sort of protection and peace of mind for their customers. It is hard to build trust when you flat out say that there is no guarantee in what you do for a living. While it is true that potential clients should use due diligence and never believe any types of statements or promises that guarantee results, they should also be wary of services that offer no guarantees at all.
Thoughts and comments about Lexington Law’s Guarantee
Sky Blue Credit has a guarantee that is crystal clear.
There is no smoke and mirrors with the Sky Blue guarantee. Even if a client has had some deletions realized from the Sky blue efforts during the 90 days and even if the client is being unreasonable and just wants a few months of free service, Sky Blue does not care and will give them their refund. Because Sky Blue works hard on each and every case, they are confident that in the end, they will show the best results and win the trust of the client in the first 90 days.
Sky Blue gets another huge edge here when it comes to their guarantee. They back up their service and their brand by giving their clients some peace of mind that if it is not working out, the client can get their money back. Clients have nothing to lose and a better credit score to gain. This shows that Sky Blue Credit stands behind its service 100%. There is a lot of comfort in knowing that if they cannot get the job done to our satisfaction, they will stand behind their service and do the right thing and give you a refund.
As far as the overall pricing and the value that you get for what you are paying for goes to Sky Blue Credit. And a 100% money-back guarantee for Sky Blue Credit against no guarantee from Lexington Law also makes this a no-brainer.
Lexington Law hits the canvas twice.
Who wins round 2 – For The Best Guarantee?
Sky Blue Credit
Clients have nothing to lose by trying their service
The guarantee is very clear and straightforward
Sky Blue’s 90-day guarantee is the only condition-free guarantee in the industry
This was almost a knockout
But the fight is not over. There is more action to come. If you want to take advantage of the better pricing and the better guarantee;
You can end the fight and get started on fixing your credit right now. Check out the Sky Blue Credit website to learn more or to get started today
Round 3: BBB Rating and Complaints
BBB Ratings and complaints: Lexington Law
Lexington Law is not BBB accredited. In the past 3 years they have over 600 complaints with the BBB and 288 of them (as of 5-28-21) have been closed in the last 12 months.
Lexington Law has a mediocre C rating with the BBB. They also have a sub-par 2.05 total average out of 5-star rating from customer reviews on the BBB website.
BBB Ratings and complaints: Sky Blue Credit
Sky Blue Credit is not BBB accredited. In the past 3 years, they have 8 total complaints filed with the BBB, and 3 of them have been closed in the last 12 months (as of 5-28-21).
Sky Blue has an A+ rating with the BBB. They also have a 4.27 out of 5-star rating with online submitted reviews from customers. These ratings are very impressive and speak volumes about their service.
Thoughts and comments about Lexington Law BBB:
Lexington Law definitely has a lot more on its plate when it comes to BBB complaints. In the last three years, they have over 600 complaints and Sky-Blue Credit only has 8 total complaints. Lexington Law also has a government action against them.
The pending government action has not been resolved and has not yet been proven, so we cannot hold this against them.
Through strong advertising, Lexington Law gets more overall clients, which leads to a better chance of getting more complaints.
Here are the Lexington Law BBB complaints against them and here is their full BBB business profile.
Here are their BBB customer reviews and here is our full in-depth review of Lexington Law.
Although there are many unfortunate consumer complaints, Lexington Law does respond to them on the BBB website. Some of the complaints that we read did not seem completely fair.
We still feel this is a very big law firm that can show results to clients. Visit the Lexington Law website.
As far as Lexington Law versus Sky Blue Credit when it comes to the Better Business Bureau, Sky Blue Credit has a much leaner, cleaner, and better overall record with the BBB.
Sky Blue Credit BBB thoughts:
There is not much to talk about when it comes to the Sky Blue Credit BBB ratings, reviews, and complaints because their profile is sparkling clean. They are definitely on top of their customer service and complaints, so much so, that not many complaints, customer requests, or misunderstandings get escalated to the Better Business Bureau.
Here are the Sky Blue Credit BBB complaint files and their full BBB business profile.
Here are their BBB customer reviews and here is our full in-depth Sky Blue Credit Repair BBB review.
Visit the Sky Blue website.
Sky Blue gets another big nod here for their Better Business Bureau ratings.
Who wins round 3 – For BBB and Complaints?
Sky Blue Credit
Sky Blue Credit has only 8 complaints to over 600 for Lexington Law in the past 3 years
Sky Blue has much better BBB reviews from consumers
Sky Blue Credit resolves more cases in-house, which is why more consumers do not go to BBB