21 Financial Red Flags (Part 2)

These days, so many people are struggling financially, failing to save, awash in debt and student loans, shut out from home ownership, and wondering how they’ll retire comfortably. So it’s more important than ever to identify the red flags in our financial picture, and then fix them.

In part one of this blog we covered the first 7 financial red flags to look for. Here are 7 more to identify in case you’re inadvertently sabotaging your finances, and most importantly, action ...

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How long do negative items stay on your credit report?

How long will late payments, collections, bankruptcies, foreclosures, and other negative items remain on your credit history?

So you slipped up and missed a credit card payment once, or the dog ate the bill for your last car loan payment so it wasn’t paid on time. Inevitably, life will throw some circumstances at us that end up as negative items on our credit report. But the question we set out to answer today is, “How long will negative information STAY on our ...

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The Top-10 Blue Water Credit Blog Posts of 2015

As 2015 comes to a close and we look ahead to 2016 with fresh hope, optimism, and lofty goals, eager to face the challenges it will hold. But before we turn off the lights on 2015, we wanted to recap the best blog posts of the year. Here are the top Blue Water Credit bog posts of 2015 as chosen by you. Thanks again for clicking, reading, sharing, and being a part of the Blue Water Credit family. We look ...

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Digging Deeper Into The Issue of Personal Debt

A new study digs deeper into the issues, problems, and root causes, of our personal debt.

How much do we owe, to whom, and why? Those are the questions a recent comprehensive financial survey by NerdWallet.com set out to answer, with some alarming results. NerdWallet, a financial website that relies heavily on data, analyzed the most recent (Q3 2015) statistics from the New York Federal Reserve, the U.S. Census Bureau, and others in the industry, as well as using a Harris ...

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7 Habits to build a great credit score.

Keeping a great credit score is the best way to save money on your mortgage, car loan, credit cards, and other interest rates, but it takes responsible financial choices with money, credit, and debt to achieve that. As FICO scores range from 300-850, with 680 considered good and above 720 excellent, it’s important to understand these seven habits that will increase your credit score and improve your finances over time.

1. Get your financial house in order.
The first step to ...

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What makes Blue Water Credit different from other credit repair companies?

Your credit score is more important than ever these days, whether you’re trying to buy a home, save money on your car loans or credit cards, or just trying to clean up your finances. You have a lot of choices who to work with to help raise your credit score, but Blue Water Credit would love the chance to earn your business and your trust. We’re a national credit restoration company that works with clients and creditors to improve credit ...

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7 Items that are easy to remove from your credit report.

1. Negative accounts over seven years old.
For unpaid debts and delinquencies, seven years is the magic number for items to fall off your credit report. (Some bankruptcies stay on for 10 years.) In fact, most credit bureaus start erasing those pesky old negative items after six months and change. But if you see an item still reporting, simply dispute it with the credit bureaus. You’ll want to verify the time the debt was unpaid, when it was charged off ...

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10 Great reasons to follow Blue Water Credit.

1. Boost your credit score before you buy a home.
If you’re thinking of buying a home in the near future, you should definitely come talk to us! We can analyze your credit help you raise your score. Even a 20-point increase can save you tens of thousands of dollars when it’s time to apply for that mortgage.

2. Help paying off your student loans.
Thanks to new programs, Blue Water Credit can help you consolidate your student loans, lowering your ...

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