Stockton 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

How many times have you been denied access to credit because of your poor ratings? Only you can tell. We sympathize with you, but that is not enough. Blue Water Credit offers you a solution. We are one of the few offering credit repair services in Stockton city.

Criteria for selecting a Credit Repair Company in Stockton

Different companies offer diverse credit repair and related services. Below are some of the considerations you can think about when in search of a credit repair company.

  • Proximity to you

In a world of advanced technology, distance may not matter anymore. But, alas! It still does. A credit repair company located in your jurisdiction understands the local credit needs and regulations better. Besides, they have dealt with previous cases identical to yours for a number of times. Say, every other factors remain constant, go for the company that is closest to you.

  • Compliance

Money is a trivial issue. The last thing you want to do is associate yourself with a company that is non-compliant. Credibility is critical when it comes to money matters. You should be cautious that the company you are dealing with is legitimate and not some quack masquerading as a credit repair organization.

  • The team

The team working for an organization is the same that will deal with your case. This means, the individual brilliance each of these individuals possess determines the success of your credit repair process. Settle for a more experienced or skilled team. This information can always be found online. Some teams share their profiles on their websites while others don’t. With proper research, you can always tell which company has a better team. With a great team, you can be sure of great results.

Stockton Credit Scores

According to, $4,937 is the average credit card debt in Stockton while the delinquency rate is 0.5%. On average, a Stockton resident has a credit score of 701. This is a fair score which makes California rank better than other states nationwide.

Well, high as your score might be; there’s room for a better score. Perhaps you could even score more than that save for the fact that your rating has some items derailing it as it shouldn’t be. That is where we come in.

We not only repair credit scores, but also help improve your rating where possible. That way, you increase your chances of acquiring better financial instruments. Besides, it reduces the rate of return charged on you.

Your credit score determines the interest rate you pay. The poorer your credit score the higher the interest you are likely to pay because you are a high risk client. Our help to improve your rating significantly reduces the costs you pay on credits.

Bottom Line

The state of California ranks fair in US on matters surrounding credit rating. Stockton city is one of the cities making this possible. Although, there’s great room for improvement and that is where we chip. We sort your credit rating out and help you access credits to change your future.

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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