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CreditFirm and Sky Blue Credit both keep pricing simple with flat monthly rates, but they differ on cost, setup fees, and guarantees. Here is the side-by-side, based on each company’s published information as of October 2026.
CreditFirm vs Sky Blue Credit: side-by-side
| Feature | CreditFirm | Sky Blue Credit |
|---|---|---|
| Monthly price | $49.99 (individual), $89.99 (couples) | Basic: $79 (individual), $119 (couples); Full Service: $99 (individual), $149 (couples); Premium: $119 (individual), $179 (couples) |
| Setup fee | None, per the company’s current FAQ | $79 individual / $119 couples, charged 6 days after enrollment |
| Contract | Month-to-month, cancel anytime | Cancel anytime; membership can be paused |
| Money-back guarantee | No formal guarantee published | 90-day money-back guarantee with no conditions |
| Disputes per cycle | Not published | 45-day cycle; no per-cycle item limit published |
| Free consultation | Yes | Yes |
| In business since | 1997 | 1989 |
| BBB rating | A+ | A+ |
Our verdict
CreditFirm is the cheaper entry point at $49.99 per month with no setup fee. Sky Blue costs more per month but pairs it with the industry’s only unconditional 90-day money-back guarantee and the longest track record of the two. If a guarantee matters to you, Sky Blue’s is the strongest in the business. If lowest monthly cost matters most, CreditFirm wins.
Frequently asked questions
Which costs less per month?
CreditFirm, at $49.99 versus Sky Blue’s $79 for an individual plan.
Which has the better money-back guarantee?
Sky Blue’s 90-day guarantee has no conditions; CreditFirm publishes no formal guarantee.
Can I cancel either service anytime?
Yes. Both are month-to-month with cancel-anytime terms.
Prefer to handle disputes yourself? Our step-by-step guide walks through how to dispute a collection account on your credit report.
Ready to take the next step?
If you have compared the terms and CreditFirm’s flat-rate pricing looks like the right fit, you can review their current terms and enroll directly through their site.