Credit Repair
Credit Repair
We are Experts in Credit Repair
Are All Credit Repair Companies Equal?
No. There are credit repair companies or “legal firms” that cycle customers through their pipeline like cattle in a corral and on the other end of the spectrum, unscrupulous individuals seeking to take advantage of people in financial distress.
Blue Water Credit was established to provide customers with competent credit repair services, that utilize ethical approaches to repairing bad credit- while giving dedicated case management for each customer.
What you need to know about our Testimonials:
Testimonials represent the results of the particular individual and one should not expect the same result because every case is different. Blue Water Credit LLC promises only to communicate with the creditors on your behalf and in your name, verify report changes with bureaus, and provide you timely information about changes in your reports. Any credit score improvement seen after using our services is the result of many other additional factors, including: keeping credit balances low, paying bills on time, reducing or eliminating unnecessary inquiries, developing appropriate types of credit, and sound financial planning.
Risk Free Credit Consultation
Free Credit Consultation
Our Why
We believe a person’s quality of life can be greatly enhanced with good credit. They are able to build a life that allows them to find a home, finance their education, and have peace of mind knowing whatever they need to finance, it will be cheaper and simpler.
Repairing your credit does not have to be an ordeal. We make the process simple for you by guiding you through every step of the way.
Let’s Stop the Waste
There is big business in financing and lending terms and the people stuck at the bottom of this grisley machine are well-intentioned folks who don’t understand how good credit helps them keep their hard-earned monies. Meanwhile, many people are unwittingly throwing away precious funds because they didn’t get ideal financial terms.
We’re here to stop this madness for our clients.
Our Why
We believe a person’s quality of life can be greatly enhanced with good credit. They are able to build a life that allows them to find a home, finance their education, and have peace of mind knowing whatever they need to finance, it will be cheaper and simpler.
Repairing your credit does not have to be an ordeal. We make the process simple for you by guiding you through every step of the way.
Let’s Stop the Waste
There is big business in financing and lending terms and the people stuck at the bottom of this grisley machine are well-intentioned folks who don’t understand how good credit helps them keep their hard-earned monies. Meanwhile, many people are unwittingly throwing away precious funds because they didn’t get ideal financial terms.
We’re here to stop this madness for our clients.
Bad Credit is Expensive
When your score is rated “bad” by credit reporting agencies, you are left with unfavorable lending conditions for whatever you are financing. Having bad credit compared to good credit may mean you end up paying hundreds of thousands of dollars more in the lifetime of a mortgage.
To illustrate how bad credit is expensive, let’s look at the scenario below: Two people need to finance a mortgage of $150,000. Jane has good credit and John has bad credit.
Conclusion: Because of John’s poor credit rating and unfavorable loan terms, John may potentially end up paying $184,000 more for the same home. John could foreseeably pay an average of $525 more than Jane every month.
This scenario above is for illustrative purposes only. “Jane” and “John” are fictious characters not based on any real individuals. The scenario illustrates the potential results of the particular character and one should not expect the same result because every case is different. Blue Water Credit LLC promises only to communicate with the creditors on your behalf and in your name, verify report changes with bureaus, and provide you timely information about changes in your reports. Any credit score improvement seen after using our services is the result of many other additional factors, including: keeping credit balances low, paying bills on time, reducing or eliminating unnecessary inquiries, developing appropriate types of credit, and sound financial planning.
Credit Repair Services
We simplified the work we do in three buckets to keep your case focused and results-driven.
Your Case Manager
First, we assign a Blue Water Credit specially-trained Case Manager to your account to assess your credit state of affairs. We raise credit scores by working with you, your creditors and the main credit reporting bureaus to remove negative items from your credit report. We also help you add positives to your credit report.
Repairing Credit
We work with you on devising an action plan for things you can do to maximize your credit profile. We educate you every step of the way so you know how you can continue to manage your credit long after your time with us.
Next, we work together to review your credit line by line to identify items that are potentially reporting incorrectly, items that are outdated, unverifiable, misleading, or questionable. We assist in the correspondence needed to interact with the major credit bureaus and your creditors to remove or correct these questionable negative items from your credit report.
Rehabbing Credit
Lastly, we develop a plan to rehab your credit to get you on a path that will most effectively and efficiently improve your credit score. Through the entire process, you will learn a great deal about credit management and credit wellness. Our credit counseling will arm you with lifelong knowledge to safeguard your credit scores.
Your Case Manager
First, we assign a Blue Water Credit specially-trained Case Manager to your account to assess your credit state of affairs. We raise credit scores by working with you, your creditors and the main credit reporting bureaus to remove negative items from your credit report. We also help you add positives to your credit report.
Repairing Credit
We work with you on devising an action plan for things you can do to maximize your credit profile. We educate you every step of the way so you know how you can continue to manage your credit long after your time with us.
Next, we work together to review your credit line by line to identify items that are potentially reporting incorrectly, items that are outdated, unverifiable, misleading, or questionable. We assist in the correspondence needed to interact with the major credit bureaus and your creditors to remove or correct these questionable negative items from your credit report.
Rehabbing Credit
Lastly, we develop a plan to rehab your credit to get you on a path that will most effectively and efficiently improve your credit score. Through the entire process, you will learn a great deal about credit management and credit wellness. Our credit counseling will arm you with lifelong knowledge to safeguard your credit scores.
Privacy Principled
Life happens and we understand the unique circumstances that affect each of our clients. Our clients are respected professionals, leaders in their communities, or your neighbor next door. Whatever your circumstances may be and how you got off-tracked, rest assured we respect and will protect your privacy.
Whether you are looking for a home loan, refinance, auto loan, new job, or just want a fresh start, Blue Water Credit will help reach your end goal through credit education, guidance, and credit repair.