What makes Blue Water Credit different from other credit repair companies?

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Your credit score is more important than ever these days, whether you’re trying to buy a home, save money on your car loans or credit cards, or just trying to clean up your finances. You have a lot of choices who to work with to help raise your credit score, but Blue Water Credit would love the chance to earn your business and your trust. We’re a national credit restoration company that works with clients and creditors to improve credit profiles by challenging questionable, inaccurate, outdated, misleading and or unverifiable data on consumer credit reports.

Credit repair is definitely a challenging and often-criticized industry, yet Blue Water Credit is rated as 4.9 out of 5 stars on Google + and more than 4.5 out of 5 stars on Yelp – both of which are almost unheard of in this business. Do you you need more incentive why you should use us for your credit restoration, debt management, and student loan consolidation needs?

Here’s why Blue Water Credit is different than the competition and the best choice to help you repair your credit score:
Legal and ethical.
We raise credit scores legally and ethically, in compliance with all state and federal laws and the credit bureaus own procedures. What we do takes a lot of hard work and dedication, but the results for our clients are tremendous and lasting.

Brick and mortar.
We have an office right in the same communities where we all live and work, in Roseville, California right outside Sacramento. We pride ourselves on having a professional, comfortable atmosphere for our staff to work, and you’re free to drop by and say hello any time! 300 Harding Blvd Suite 205, Roseville, California.

Family owned.
Blue Water Credit was founded by Jeff and Natalie Sipes, who live and work in the communities they serve. The Sipes also raise two children and are involved in their sports, schools, and local charity work.

We only charge after services are successfully performed. You only pay after we do the work and your credit score improves, which is how it should be. We always offer a free consultation to review your situation and offer advice, so you have no risk in working with us and can proceed with confidence.

We really care.
We believe there is more to life than making a living so we want to make a difference in the lives of those around us. On behalf of every client we make a donation to the Compassion First Campaign. Our team also volunteers at the Placer Food Bank ever quarter.

Our professional, well-trained, dedicated staff.
Our staff of credit counselors receive the best training in the industry and operate by the highest professional standards. We invest in our people because they are the ones who take good care of you. Our tight-knit staff; Melanie Jackson, Stacey Jennings, Jennifer Sopenski, Natalie Sipes, Jeff Sipes, Heather Champlin, Carmen Luci, Yana Kalenyuk, and Kirsten Vidosh, have all been in the industry and working for Blue Water Credit for the long term.

There are so many fly-by-night credit repair services that open and close rapidly, just to chase a buck, but Blue Water Credit is one of the more seasoned and experienced firms with almost a decade of service and thousands of happy clients.

The number of files per desk.
Other credit repair companies assign a ridiculous number of clients to each employee – sometimes up to 1,000 files per desk! As you can guess, there is no way they can give that many files the attention and work they deserve. We make sure each of our dedicated credit counselors have a maximum of 120 files to work at any given time, a very comfortable number. That way they can not only go the extra mile and do a fantastic job to repair their credit, but get to know each person we help and always have time to answer questions or communicate.

You can always talk to us and track your credit repair progress.
Our clients have a professional credit case manager assigned to help them and are always available for questions. Also, clients can log in to our software system at any time to track the progress of their own credit repair efforts. We want our clients to be involved and active, and you can always communicate with us via phone, email, or by coming in the office.

We’re dedicated to not only helping repair your credit score, but getting you to a much better place financially. That includes a continued educational campaign, with weekly educational articles about credit, real estate, mortgages, saving money, and even lifestyle topics like local news, health, and the holidays. You’re welcome to search through our extensive blog and educational catalog here, or let us know what you’re interested in and we’ll send you those articles.

Cutting-edge software.
Our credit repair system features industry-leading software that helps us analyze and repair your credit the moist effective way possible. You can also log in to our computer system at any time to track the work we’re doing and see the results.

Our results.
On average our clients are seeing their scores go up an average of 10-15 points per month. Our track record speaks for itself!
Score increase in 35 days:

10 points or more 93%

20 points or more 71%

50 points or more 20%

100 points or more 10
Score increase in 90 days:

10 points or more 97%

20 points or more 82%

50 points or more 35%

100 points or more 20%

But don’t take our word for it – here’s what just a few of our clients are saying:


There are plenty of ways to keep in touch with us, and we’re happy to help answer any questions you may have. Just follow us on social media through the icons on the top right of this page, by signing up for our blog through the RSS feed, email [email protected], or call 916-315-9190


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