get your free credit plan today!
Unlock a Personalized Credit Plan to Reach Your Financial Goals—Faster Than Doing It Alone
How It Works
Step 1: Submit Your Information
Enter your name and contact info so we can send you your personalized credit plan in a few minutes.
Step 2: Share Your Goals
Tell us what you're working toward—buying a home, paying off debt, or building your credit. We'll tailor your plan around it.
Step 3: Upload Your Credit Report.
No credit report? No problem. We’ll help you get one.
Secure. Private. No hard inquiry.
Let's get started!
I agree to the privacy policy
By clicking Submit I consent Blue Water Credit LLC to contact me via text, phone, auto dialer or email regarding credit information and credit repair services. Msg & Data rates may apply. Reply STOP to opt out. Submitting my personal information above constitutes my electronic signature. Blue Water Credit keeps all information private and will never sell your information to a third party.
Personalized Credit Solutions: Clear, step-by-step actions to improve your credit.
Credit Report Analysis: In-depth review of your credit report to identify ways to help you reach your financial goals as soon as possible.
Ongoing Support & Education: Guidance and tools to help you maintain a healthy credit Profile and make informed financial decisions.
Frequently Asked Questions
What's Included in Your Plan?
- Step-by-step action plan
- Product recommendations to help build or protect your credit
- Recommendations for next steps
-Option to schedule a risk free credit consultation
What factors affect my credit score?
The most commonly used credit scoring models consider:
Payment history (on-time vs. late payments) – 35%
Credit utilization (how much of your credit you're using) – 30%
Length of credit history – 15%
Credit mix (types of credit accounts) – 10%
New credit inquiries – 10%
What are fast ways to improve my credit score?
Pay Down Credit Card Balances:
Try to reduce your balances to below 30%—or ideally 10%—of your credit limits. This can quickly lower your credit utilization ratio, a major factor in your score.
Make On-Time Payments:
If you've missed a payment, catch up as soon as possible. Making current and consistent payments moving forward can prevent further score drops.
Why do I have different credit scores?
You may have different scores because:
There are multiple credit bureaus (Experian, Equifax, TransUnion)
Each bureau may have slightly different data
Different scoring models (FICO vs. VantageScore) calculate scores differently
Lenders may pull only one bureau or use an industry-specific version of a score
Why did my credit score drop?
Here are 5 common reasons:
Increased credit card balances
Missed or late payments
New hard inquiries
Closed or paid-off accounts
New negative marks (collections, charge-offs)
Testimonial
Jenny R
Credit used to feel like this huge, confusing mess I couldn’t figure out. But Your Credit Planner made it so much easier to understand. The personalized plan showed me what was dragging my score down, which steps to take first, and how to start building real progress all without the pressure or upsells. It’s not some generic advice either it’s tailored to your actual report. I’m finally making smart moves with my credit, and it feels amazing to know I’m on the right track.
Lisa M
I always felt overwhelmed by my credit and didn’t know where to start. Your Credit Planner broke everything down into simple steps I could follow. It helped me understand what was hurting my score, what to focus on first, and how to build healthy credit habits. Within a few months, I started seeing real improvement. This tool is like having a personal credit coach in your pocket!
Location: 8775 Sierra College Boulevard, Roseville CA 95661
Call (916) 315-9190
Email: [email protected]
Site: https://bluewatercredit.com/