Credit Repair: Does It Work?

One of the most frequently asked questions of people who have their credit standing ruined is “Does credit repair work? It makes a lot of sense why they would ask this question. Good credit invariably makes it easier to get new credit like loans and mortgages. It also makes it easier to pay for the loans because if you have good credit, financial institutions are more likely to give you lower interest rates and better deals when you take out a new loan. In a nutshell, good credit gives you greater financial flexibility by giving you easier access to cash, services, and products, and making it easier to pay for them, saving you a lot of money in the process.

That’s why credit repair is such an important service for people with bad credit. But they are not always sure if credit repair works. We will discuss the truth about credit repair and some misconceptions that consumers may have so keep on reading.

What is credit repair?

It is the process of restoring a person’s credit standing. It sounds simple, right? Yes, it pretty much is, although the entire process may take weeks to finish. Credit repair refers to actions taken to remove or modify incorrect entries on a person’s credit history. This history can be found on that person’s credit report, provided by one of three major credit reporting agencies. You can have a free copy of each agency’s report on your credit history. If you need more copies, or you would like an updated version, you can purchase as many as you like.

What do you need to do to repair your credit?

The very first step you need to do is to get the most recent version of your credit report. This report has 5 or 6 sections but you will need to check the sections containing information like your personal information, account history, tax liens, lawsuits, and judgments. These will contain data which are used by financial institutions to calculate your credit score. You need to sift through the information carefully for any inaccuracies or falsehoods, like incorrect dates on opening and closing accounts, unauthorized hard inquiries reported under your name and unauthorized accounts.

Repairing your credit

If you find any false information, you can then repair your credit by filing a dispute on every inconsistency that you found. Depending on the result of the investigation by the credit bureaus, the data you disputed may be struck from your record. This is the essence of credit repair. Technically, it doesn’t mean that when you repair your credit, your credit score automatically goes up, although that is mostly the trend. It only means that you have done steps to make your credit report as accurate as possible, which may have the added benefit of bringing your credit score up if you have a lot of positive credit interactions.

Credit repair can be daunting for rookies. Even if you aren’t a rookie, you will likely still need a professional credit repair company to do it for you. Blue Water Credit is such a company, the best credit repair company in California, with years of experience in the business that we use to make our clients’ lives easier through good credit. Call us toll-free at (877) 577-7496 to speak with our expert credit analysts or visit our website at and schedule your consultation now.


How to Spot Credit Repair Scams

People have always struggled with bad credit and the problems they carry. Bad credit prevents people, or at least makes it very difficult, from getting new credit. Because of this, they might struggle financially from lack of easy access to cash and other resources due to them being high-risk borrowers. This is why many of them fall into traps and scams that unscrupulous credit repair organizations cook up.

You may be new to credit repair or have not yet encountered any scam attempts, but that doesn’t mean that there aren’t any out there and that you aren’t the target. Everybody is fair game for scammers and about the only thing you can do is be aware of how they scam people so you won’t get trapped along with the others. Read on as we discuss how scammers con people off their money.

One of the most common scams, and certainly one of the most dangerous as well, involves credit repair companies offering to give you a “new” identity. They would often lure you in by the promise of fast-tracking your credit repair by giving you a blank slate, giving you the option to start anew. This might look like a good deal, and for people desperate enough this could be the deal of a lifetime. But what you don’t know is that this scam involves paying a company to give you an EIN or CPN instead of your social security number. This is illegal, folks. And what’s worse, if you do this kind of scam, you will be involved in committing identity theft as well as fraud, because many of these scam artists sell social security numbers.

It’s not fun being the victim of identity theft. Fortunately, it’s relatively easy to remove fraudulent or unauthorized accounts in your credit history, thanks to a provision from the Fair Credit Reporting Act. These types of accounts can be removed in just four days and this is what this scam is counting on. You may have heard of the boy who cried wolf. Well, this is it. They are going to get you to play the victim and say that your identity has been stolen. Some of these companies may even help you falsify legal reports to back up your claim. This is a quick fix to erase all your negative credit items but if something goes wrong, you will be slapped with so many lawsuits your head will be spinning.

Some people can get good credit by being listed as an authorized user of a credit card with good standing, usually owned by family or friends. It could boost your credit score by adding good credit to an otherwise bad one and lowering your

Quick and simple, and an easy gig for the scammers. Credit repair companies will act as a broker for their credit-challenged client and a stranger with well-managed credit card accounts. The client will pay to be an authorized user of a good credit card, for a hefty sum of course, and the company and the owner of the card both take a huge cut. However, you could find yourself facing Uncle Sam in a courtroom when you are being sued for bank fraud or mail fraud.

Credit repair can be a pain but it doesn’t mean that you should take a short cut to good credit. For risk-free and reliable best credit repair in California, contact Blue Water Credit at (916) 315-9190 or visit the website at and schedule your consultation.


Conditions Indicating that you need to Repair or Replace Your Roof

The roof is probably the most important and the most complex part of any house. From the materials to the understructure, there is much that needs to go right for the roof to be functional, let alone aesthetically fantastic. Even after construction, the roof needs to be in tiptop shape to be able to protect those underneath from the elements, debris and other things that might make their lives miserable. After all, only Pharrell can claim that he is “happy like a room without a roof.”

Roofs aren’t made to last forever. Since the roof is the primary and first line of protection for the people living inside the house, constant upkeep is essential. It is also essential to know when maintenance isn’t enough and when it’s time to repair or replace your roof. So here are some signs that your roof needs to be repaired or replaced.

A sagging roof deck

Moisture eventually creeps into most everything, none more so than roofs that are built to keep off the rain. Try going outside and look up at your roof. Is there a place where the roof is not completely level with the rest? If there is, this could mean that moisture has damaged the roof deck and there are badly decomposing sections of the roof. This might not mean anything to the uninitiated but contractors will tell you that a decomposing roof has a risk for collapse. As said earlier, the roof is a complex structure and the slightest excess of strain in a particular section could bring the whole thing down. You will need to have the entire roof inspected and, depending on the extent of the damage, either repair it or have it replaced.

An old roof

This is one thing that most people overlook. Although roofs don’t last forever, they last for a long time, sometimes for as much as 100 years. During this time, a lot of people may have come and gone from the house, making it very hard to keep track of the roof’s “birthday”. This is just plain carelessness. You need to know when the roof was built so you can keep track of the year it’s supposed to be repaired or replaced. Old roofs may have missing shingles that are more likely to leak. Keeping it off for far too long could cost the homeowner money in terms of property and personal damage. Again, the extent of the damage will determine whether a repair or replacement is warranted.

Stains on the walls and ceiling

This could indicate that there is undetected leaking on the roof. Try poking at the stains. If it feels wet or spongy, then it is very probable that the cause is a leak or leaks. The roof needs a repair at this point but you need to have it inspected just to make sure it doesn’t need a replacement.

Increasing energy bills

One of the roof’s functions is to regulate the house’s temperature. If you notice that you’re using more energy for cooling and heating your house, then you will need to have a roof inspector check if it is roofing or just a ventilation problem.

For quick and effective solutions, contact our roofing experts at Watertite Roofing Inc. We are the top roofing company in Massachusetts with the expertise and knowledge from being in the business for years. Check us out at and schedule your consultation now!