Our Credit & Debt Solutions
Credit Repair Services
Your credit score impacts your ability to get approved for loans, credit cards, housing, and even employment. Errors and inaccuracies on your credit report can unfairly lower your score.
Our team works directly with credit bureaus and creditors to:
Dispute inaccurate, outdated, or unverifiable items
Remove collections, charge-offs, and late payments (when possible)
Identify score-boosting opportunities tailored to you
We’ve helped thousands of people remove damaging items and see real credit score improvement.
Debt Negotiation
If you’re carrying unpaid or charged-off debts, we can help you negotiate with creditors to settle for less than you owe.
Reduce your total balance owed
Avoid ongoing collection activity
Our goal is to save you money and help you close the chapter on old debt for good.
Debt Relief
High credit card balances can hurt your credit utilization ratio — one of the biggest factors in your credit score. We provide tools, strategies, and partner resources to help you: :
Lower interest rates
Consolidate or restructure payments
Build a realistic payoff plan
Create long-term habits for healthy credit use
Credit Attorney Representation
If your rights have been violated under the Fair Credit Reporting Act (FCRA) or Fair Debt Collection Practices Act (FDCPA), we can connect you with experienced credit attorneys who fight for consumers. In many cases, attorney fees are covered by the violating party — meaning no out-of-pocket cost to you.
Identity Theft Recovery
Victims of identity theft face not only stolen information, but also damaged credit reports. We help you:
Remove fraudulent accounts
Repair credit damaged by identity theft
Set up ongoing monitoring to prevent future harm
Potentially get you a cash settlement from our legal partners if the creditors break the law!
Do-It-Yourself Credit Repair Program
For self-motivated clients, our DIY credit repair program offers:
Step-by-step credit repair instructions
Proven dispute letter templates
Access to expert guidance
Affordable pricing
Why Choose Blue Water Credit?
17+ years of proven credit repair success
Thousands of clients helped across the U.S.
Transparent, upfront pricing with no hidden fees
Personalized plans — no cookie-cutter approach
Friendly, expert team who cares about your results
Highly Rated and Recommended
Let’s connect.
Take the first step toward better credit and financial freedom today.
- Corporate HQ Blue Water Credit 8775 Sierra College Blvd Suite 350 Roseville, CA 95661
- contact@bluewatercredit.com
- Toll-Free (877) 577-7496
- Direct (916) 315-9190
- Fax: (877) 894-7496
We are Experts in Credit Repair
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.
A secured credit card designed to help you build credit by reporting to all 3 credit bureaus. There is no credit score requirements to be approved and signup takes only 2 minutes. Enroll today with low deposit and no processing fees!
Find the right, easy approval, credit option specific to your needs. Rest assured that we have multiple options available. Browse our available options and find the right option for you!
Rest Easy Knowing IdentityIQ® Protects Your Credit & Personal Information! Save Today! Start Your Complete Protection Plan Today & Get Protected with IdentityIQ® Services. Device Protection. 3 Bureau Scores. 24/7 Score Alerts. 7-Day, $1 Trial. ID Theft Protection.
The calculator estimates the amount of time required to pay back one or more debts. Additionally, it gives users the most cost-efficient payoff sequence, with the option of adding extra payments. This calculator utilizes the debt avalanche method, considered the most cost-efficient payoff strategy from a financial perspective.
Debt Payoff Calculator
Debts
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