Orange county 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.

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Credit Repair

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

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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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The average credit score in Orange county is 701. This is a fair score although not the best credit rating. An Orange county resident has an average credit card debt of close to $5,000. This is an average performance displayed by these citizens compared to others nationwide. To catch up with the rest, credit repair services are critical to help improve these poor ratings.

Credit Reports and Score Demystified

Lenders’ biggest worry is whether the borrower can repay a loan if given. To determine this will and ability; a special tool in the name of credit score is used. A credit report is simply a display of your history with debts – whether good or bad, this will be highlighted. From this report, the lender can tell whether you are a high risk or low risk client. Besides, the organization will be advised on whether you will repay the loan or not.

There are three major organizations managing credit reports in the US. They include the following:

  • TransUnion
  • Experian, and
  • Equifax

Once you acquire a loan, your behavior with the debt is recorded with no detail left out. Therefore, any bad behavior you display will only lead to a drop in your credit score. It is after your report shows a drop in score that the need to repair your rating arises.

Accessing Credit Repair Services in Orange County

Orange County has a number of organizations offering credit repair services and we are one of them. we have a team of professional experienced in repairing credit reports with the area’s regulations in mind. The goal is to improve your credit score and let you get access to the best financial offers available in the market today.

Our team collaborates with the credit bureaus in the verification of wrongly documented items on your report. Once that is established, we seek possible solutions to your problems and get down to work. The credit system may look complicated but we make it simple and comprehensible.

Things to Keep in Mind

Even as you search for an organization to help you repair your rating, it is critical to be cautious of scammers. Credit repair should only be paid for after the service has been delivered unless you really trust the provider. Most cons disguising themselves as credit repair providers will milk your money and leave you stranded without any service.

Before agreeing to anything, ensure the credit repair service provider has given you a list of the things he/she will offer you. That way, you will get into something you know of. Avoid agreeing or signing to things you’re unaware of to keep yourself safe from trouble.

Another important thing to do is only pay for complete work. Do not pay if the services are poorly delivered and short of the standard you were promised. That way, your money will be safe and you can get value for your money. Finally, ensure you compare prices and get yourself the most competitive ones.

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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