Category Archives: Credit Repair

Blue Water Credit, Your Ally to End Your Debts

There are many reasons why you would like to repair your credit and straighten out your payment history. One of them is so that you can get a credit card, for example, if you need your account to be in order. Banks and lending companies verify your records and status before they can accept or deny a loan.

Not having your credits up to date can cause several problems and make you ineligible for loans. Whatever the reason as to why you do not have a good credit history, it is essential to resolve this situation.

Benefits  Of Having A Good Credit Record

If you have a good record and do not have any debts, it is much easier for you to receive loans for anything you need. Be it paying a trip to college or if you need money unexpectedly, loans can be helpful.

Besides, with a favorable credit record, banks will be willing to lend you more money, even at a lower rate. Having a good credit history will also help you get a credit card or increase the limit of a card you already have.

Finally, a healthy credit record will allow you to do business more efficiently because people will view you as someone trustworthy.

As you can see, the need to recover your good credit status cannot be overstated. Of course, often, it is not entirely up to you that you find yourself on the wrong side of the credit score; but you can always do something to help this situation.

How To Recover Your Positive History

There is a company that is dedicated to helping people who have credit problems to make them regain their reputation. This company is Blue Water Credit, and although it is based in Roseville, California, it can help people from all over the country.

What this company does is to help you improve your Fico-Score in a bid to decrease your interest and your payment. If you analyze it in the medium and long-term basis, you´ll save thousands of dollars in the amount of your debt.

Also, by having a lower score, your reputation will increase, and credit institutions will trust you. With this feature, you will increase your chances of receiving loans and expanding your line of credit. This means that you will have more money available and you will be able to use it when you need it.

How Does It Help Me Save Money?

In addition to receiving the opportunity to have loans, recovering your credit history will allow you to have more money. If you have a 10-year mortgage, a lower Fico-score will reduce your low interest and your payments too. This means that the amount to pay for your mortgage is reduced and with it, you can have more money available. Of course, it also means that you can finish paying your debt faster.

How Does It Work?

What Blue Water Credit does is investigate your history and your current situation. Then, they make a diagnosis to see if any clause is wrong, or if any items are out of time, etc. They create a strategy to maximize your credit profile and lower interest rates. Finally, they intercede for you so that you receive benefits and decrease your interest.

You can look up to Blue Water Credit as an ally that will take a significant financial burden off your shoulders. Put an end to your debts and your bad credit history, as that’s now possible and thanks to a company that acts on your behalf. With the help of the professionals at Blue Water Credit repair your credit and have a peace of mind.


San Jose Credit Repair

Having good credit is a financial goal that we all try to achieve. It is obvious that this can boost our chances of being approved for large financial products and services. But most of the time, we have no idea how to get that much-desired credit. This is one of the reasons why my credit repair companies such as exist.

But the question everybody is asking is: Does the credit repair really work?

First, what are credit repair agencies about?

Credit repair agencies are companies that strive to “repair” or “clean up” your credit report. Credit repair companies claim to be able to help you improve your credit side and thus give you financial opportunities that you would not have been able to access before. Usually, they charge a fee for this service. is one of those companies that can help you repair your credit report by getting rid of your debt. Debt settlement companies are amongst them, and they offer very valuable assistance in credit repair.

The purpose of credit repair is to make sure your credit reports and ratings are representative of your financial life. Errors and wrong information can significantly damage your overall financial health. Here are some steps you and your credit repair company will need to take.

Am I eligible for credit repair?

Your eligibility for credit repair is established if you have enough income to demonstrate that you can handle a loan. However, be aware that the consolidation loan or credit repair is not possible for everyone. The financial institution will take into account your credit percentage used as well as your payment history, both of which affect your credit rating. A stained credit score will decrease your ability to obtain a consolidation loan. However, there are several other debt solutions available to you.

How can I make sure that a credit repair agency is credible?

It is true that some credit counseling and assistance agencies are certified. Nevertheless, it is important to know that the titles “credit counselor” and “debt management consultant” have become very generic and are even used right and left, so when you visit a credit counseling agency like, it is important that you check its affiliation with a national or provincial association. Besides, when meeting with an advisor or consultant, make sure to check their qualifications and their affiliation to recognized and accredited professional organizations. Also, systematically require that the agreement you make is written down and that both of keeping monthly statements of your payments.

It is crucial that you be wary of these companies that are popping up everywhere, and that promise to help you restore your credit against high pay. In fact, they do not have the power to change the information in your credit report. Only your creditors can change such information. But you can get some professionals to discuss, review, mediate, or help you to get back on track financially. Therefore, if you plan to use any of these credit repair businesses inside San Jose, consider