Atlanta 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.
“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
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An average credit card owner in Atlanta has a debt of more than $5300. This is close to 10% more than the average debt owned by a Georgia resident. Georgia ranks 9th nationwide in credit debt scores. Atlanta contributes to this poor rank and makes the states perform worse with an average credit score of 667. Again, this score is almost 5% poorer than the state’s overall score. This tells you how poor Atlanta is doing. In 2013, the city had the highest average individual debt per individual.
Time is money and correcting credit errors should be done promptly. There are consequences to owning a report with items that do not belong to you. One fatal repercussion is a damaged credit rating. The other is potential claims of identity theft.
A mistake free rating will give your score a boost especially if you have a clean bill of credit health. Consequently, owning property through a mortgage or any other credit will become as easy as submitting an application. Besides, the interest rate you will be charged will be affordable rather than harming.
Atlanta Credit Requirements
The minimum score that qualifies you to get the credit you want in Atlanta is 740. Besides, you have to be conscious of your utilization rate. Keep it at the optimum to improve the offer a lender would want to give to you. A utilization rate below 10% will make things easier for you. The moment this rate goes beyond 10%, your potential lender is likely going to think twice.
Let’s focus more on your utilization rate. This is the ratio of your credit balance to that oy your credit limit by 100%. For instance, assuming you have a credit balance of $4000 and a limit of $16000; your utilization will be 25%. With such a ration, you are good to access credit. 30% is the highest this rate should be if you want to be considered by lenders. Beyond that, chances of you getting credit starts to go down.
What we Offer
We realize how much Atlanta residents need credit repair services based on the credit statistics put across by several reports. We have gone a step further and done proper research on reasons why these residents score poorly. From there, we have come up with solutions to some of these challenges and below are some of the things we promise to do to help.
- Analyze reports, identify mistakes and offer corrections
Most residents in Atlanta have faulty reports. You’ll be surprised that only 20% of Atlanta reports are correctly captured. This leaves the 80% with lots of repairs to do. We do that diligently!
- We provide credit consultation and necessary tools for effective decision making when it comes to credit matters.
- We also handle cases individually, and come up with tailor made solutions to specific problems. That way, you will receive a proper solution to your particular problem.
There’s great need for credit repairs in Atlanta. We offer the solution to this great challenge and help the Atlanta residents regain a healthy credit score.
Credit Affects You, Whether You Have It Or Not
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 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.
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.
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