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Blue Water Credit

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Blue Water Credit was founded in 2008 and is headquartered in Roseville, California. The company offers both credit repair and debt settlement services. In regards to its credit repair services, customers can choose between an individual package and a couple package. All package details can be easily found directly on the Blue Water Credit website. In addition to its offered credit repair service, Blue Water Credit also offers a free consultation and a variety of online educational resources.

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The Good

  • Package Options
  • Credit Repair Process
  • Cancellation and Refund Policies
  • Online Educational Resources

Package Options

Blue Water Credit offers two types of package options for potential customers to choose from: the Individual Package and the Couple Package. According to the company’s website, each package includes a credit score analysis, a dedicated case manager, a personalized credit repair plan, phone and email customer support, an online customer portal, weekly education materials, a cancellation policy, and a refund policy. Each package is simply a foundation for customers as each customer will receive a customized plan of action.

Credit Repair Process

According to the company’s website, Blue Water Credit customers are “given a customized plan designed to most efficiently and effectively resolve their credit issues.” Clients are also provided with a dedicated case manager who can be contacted directly through email or phone. Additionally, Blue Water Credit states on its website that it disputes with “all three major credit bureaus” meaning Experian, Equifax, and TransUnion.

Cancellation and Refund Policies

Companies in the credit repair industry typically do not provide customers with risk-free cancellation and refund policies. Therefore, the very fact that Blue Water Credit offers such policies is fairly impressive.

Online Educational Resources

Blue Water Credit has a few online educational resources that anyone can take advantage of. The company’s credit education resources include basic credit score information, consumer credit rights, and a detailed credit-related blog.

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The Bad

  • High One-Time Fee
  • High Monthly Fees

High One-Time Fee

Blue Water Credit charges a fairly high one-time setup fee of $249 for the Individual Package and $399 for the Couple Package. Many other credit repair companies either don’t charge a setup fee at all or charge a lower setup fee. According to the company’s website, this setup fee is required in order to set up a customer account and obtain a personalized credit repair solution.

High Monthly Fees

Along with its high setup fees, Blue Water Credit charges fairly high monthly fees when compared to other credit repair companies in the industry. The company charges between $149 to $199 per month for the Individual Package and charges between $249 to $299 per month for the Couple Package. These monthly fee rates may prove to be an inconvenience for some customers.

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The Bottom Line

Blue Water Credit offers customers fairly comprehensive individual and couple credit repair packages. The company provides a structured credit repair process designed to help customers obtain good credit. The process includes a customized credit repair solution, a dedicated case manager, and disputes with all three major credit bureaus. Additionally, Blue Water Credit offers clients no-risk cancellation and refund policies as well as easily accessible online credit-related educational resources.

Unfortunately, the company does charge a steep setup fee and high monthly fees for its credit repair services. If you are interested in choosing Blue Water Credit to improve your credit score, it is recommended that you read multiple Blue Water Credit customer reviews before making a final decision.

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