California’s Highest Rated Credit Repair Company
17 years in business, 17,000+ clients helped.
Free Credit Plan
Best-in-Class Support
300+ 5-Star Reviews
1
Risk Free
Consultation
Speak with a friendly credit expert who will review your situation, answer your questions, and outline your best options—without any pressure to commit.
2
Credit Improvement Services
Life’s too short for bad credit. Our proven process helps you address inaccurate or outdated items and build the strong, healthy credit profile you deserve.
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Debt Negotiations with
Credit Focus
We combine skilled negotiation with a credit-first approach to help you resolve debts for less—while working to minimize negative impact on your credit profile.
Your Credit Score Shapes Your Future, Take Control Today
Your credit score impacts loan approvals, interest rates, and even career opportunities. But here’s what most people don’t know: Over 90% of lenders use your FICO® score, not the free scores you find online. Don’t guess. Know exactly what lenders see — and how to improve it.
Once you have your report, Blue Water Credit will give you a FREE, personalized action plan to raise your score — step-by-step, in the right order, with no guesswork. We’re based in Sacramento and help clients nationwide — from San Jose to San Diego, Los Angeles to Las Vegas — no matter where you are, we can help you get results.
It is important to know that most credit scores on the internet are NOT the same scores lenders use. Over 90% of lenders use FICO Scores. The other credit scores out there are called “educational credit scores.”
We recommend pulling a credit report from a reliable source such as Annualcreditreport.com, Myfico.com or from a lender. Once you’ve obtain a copy of your credit report, contact Blue Water Credit for a risk-free consultation on how to maximize your FICO scores. We are headquartered in Sacramento California and also offer credit repair services in San Jose , credit repair in San Diego, Las Vegas, Los Angeles and many cities in the US.