Chula Vista 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

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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

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Contact Blue Water Credit

With a 0.5% delinquency rate and an average of $5,000 credit card debt in Chula Vista, the city ranks average nationwide when it comes to credit rankings. For that reason, we offer our services to help these people improve their credit ratings. That way, one can get access to better credit services and change their lives.

Best credit companies

  • Success stories

The best credit companies in Chula Vista have fine success stories. If the goal is to repair your credit scores, then that should be achieved. A company that propels you towards achieving that goal is the best for you. Many companies will claim they are the best, but the truth is only a few are. You have to get your due diligence done before considering that particular company. The problem with settling for just any other company is the disappointment you get at the end.

  • Informative

Your rating probably went down because you lacked proper knowledge on what to do to prevent that. The best credit companies inform their clients on what to do to avoid any troubles. The Blue Credit Company ensures you are aware of the impact of your financial decisions. That is the only way you can avoid falling into trouble in the future.

  • Options

It is competitive out there. The worse company you can deal with is that which forces you to do that which you do not want or wish. we give you options to choose from. That way, you decide the best option for you and run with it. At the end, we all win. We achieve our goal as well as you.

  • Credit exposure

It is not enough to have a positive credit rating as well as have some credit knowledge. There’s more to that. You have to get exposure to the best credit offering facilities. That way, you get to deal with companies that will not expose you to poor credit ratings. We connect you to the best financial service providers and let you shape your credit future in the right direction.

How to Avoid Poor Credit Ratings in Chula Vista
Avoiding a negative credit rating is possible. the first thing to do is paying all your debts and on time. It is not enough to repay your debts; you should do so in time to avoid getting in trouble. Always remember time is money, and credit companies will not spare you for not keeping your promise.

It is also critical to understand which bills report to credit bureaus. That way, you can avoid those which will report you and negatively impact your ratings. Furthermore, avoid taking too much debt. That too has an impact on your credit ratings. Good money management is also a factor. Do it well and you will retain a positive rating all the time.

Finally, your expenses determine your credit rating. The more you take on new expenses, the poorer your rating is likely to get. This and more information will only get to you if you consult with us for free.

Credit Affects You, Whether You Have It Or Not

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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.


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