Irvine Credit Repair

Blue Water Credit

Your Path to Better Credit Starts Here.

Whether your credit only needs a quick fix, or a total rebuild, we can help you. Once your destination has been defined, we will develop a unique strategy to repair your past, restore your present, and rebuild your future.

Free Credit Consultation

By clicking Submit I consent Blue Water Credit LLC to contact me via text, phone, auto dialer or email regarding credit information and credit repair services. Msg & Data rates may apply. Reply STOP to opt out. Submitting my personal information above constitutes my electronic signature. Blue Water Credit keeps all information private and will never sell your information to a third party.


Risk Free Consultation

We provide a hassle-free, no obligation consultation to help answer your pressing inquiries.


Credit Repair

Having poor credit is stressful and expensive. Let us quickly and effectively restore your credit!


Debt Settlement

Our experience in debt settlement and credit repair helps settle accounts and improves credit.

“Thank you, thank you, thank you! Our three FICO Scores raised 80-93 points, in the FIRST 3 MONTHS!  We went from not being able to purchase a home to currently shopping for a home on pre-approved credit. The services and care that Blue Water Credit provided has changed our outlook in life.”
Shawn & Tracy
Blue Water Credit Clients and New Homeowners

See More Customer Testimonials

Contact Blue Water Credit

Irvine residents have identical credit scores to those living in Stockton and Riverside. The rate stands at 701, making the city list fairly on credit behavior. On average, an Irvin resident has a credit debt of close to $ 5,000 – slightly less. The rate at which these residents default their payments for close to three months stands at about 0.5%. Although, these rates depend on individuals – with others higher and others lower. Whether your rating is below or higher these averages, you can always do something to improve your score.

Reasons why your score might be lower

  • High delinquency rate

The easiest way to lower your rating is defaulting any kind of credit given to you. Time is money and any delay will cost you. The repercussions are dire and you surely do not want to go down that lane. There is always a way out and you should try find solutions to repaying debts even if you have no other option. Defaulting or delaying should not be an option if you want to maintain a positive rating.

  • Unpaid debts

There’s minimum chances your credit score will rank high if you have previously unsettled debts. You have to clear your debts before thinking about repairing your credit score. This may look basic but we are aware not everyone is cognizant with this fact. That is why we offer risk free advisory. We let you know the dos and don’ts when it comes to maintaining a positive credit score.

  • Collection agency involved

You can be certain your credit score will drop if you have received communication from a collection agency. Once your details have been forwarded to a collection agency then you can be sure your credit rating has gone down. It is a clear indication of default.

  • Several credit applications

Every other time you make an application, the lender seeks to know your credit score. The sad news is that your score drops with continuous credit report inquiries. These requests constitute 10% of your credit score. Therefore, the more there is the lower your credit score goes. To avoid this, it is advisable to minimize the amount of credits you request for.

  • Expensive purchases

Your buys also have an impact on your credit ratings. Prudence is critical on matters finance. Therefore, you should avoid expensive purchases as much as possible. As an Irvin credit repair company, we let you know what you need to keep in mind whenever your finances are concerned. Make the right decisions and you will get the right ratings.

Irvin Credit repair companies near me
Today, the location of companies is not as significant as previously. Some have online services which means you can get assistance wherever you are. The Blue Water Credit service provider is one of those. It really doesn’t matter where you are located. We can get you and provide assistance from wherever you are located. You don’t need to look for us, we will look for you once you reach out to us.

Credit Affects You, Whether You Have It Or Not

Mortgage Rates Image

Credit Scores and Credit Reports

“What is a good credit score?” “What are the credit reporting agencies I should pay attention to?” These are questions people usually ask when it comes to credit scores.

When you apply for credit (credit card, an car loan, or a mortgage) lenders want to know what risk they’d take by loaning money to you. When lenders order a credit report, they can also can buy a FICO credit score that’s based on the information in your credit report. A FICO credit score is based on a snapshot of a credit report at a particular point in time.

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, 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.

Our Promise to You.

We believe there is more to life than making a living- we want to make a difference. Blue Water Credit’s goal is to provide you with a great experience with our company, whether you just call in for advice or become a client. We aim to set clear expectations, have good communication and only take on clients we feel would benefit from our services.


Our Recent Reviews