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.

Our Passion

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.

We Believe 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 will end up paying $184,000 more for the same home. John is paying $525 more than Jane every month.

Credit Repair Services

A case manager is assigned 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

First, 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to review your credit line by line to identify items that are potentially reporting incorrectly, items that are outdated, unverifiable, misleading, or questionable.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.

  • We are glad we made the leap when we did, and we are grateful to the Blue Water team for helping us achieve our credit goals. We experienced an increase in our credit score by over 70 points during the first 90 days. There are no words to describe their professionalism; I would highly recommend Blue Water Credit to anyone needing credit repair help. Thanks so much to the wonder team at Blue Water Credit; we appreciate your dedication on our credit success. –Faith Roberts