Blue Water Credit LLC | Roseville Credit Consulting

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By clicking "Next Step" I agree by electronic signature to:
(1) be contacted about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services);
(2) the Privacy Policy and Terms of Use(including this arbitration provision).

"Blue Water Credit was a true blessing to my wife and I. We thought we had no way out of our current credit situation. Blue Water Credit not only increased my score but completely changed our lives!"

Blue Water Credit, LLC is a BBB Accredited Business. Click for the BBB Business Review of this Credit Repair Services - No Advance Fee in Roseville CA

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Standard Program: Set Up Fee: $
(199.00 Monthly)

4 + items to be challenged with the credit bureaus
Consultation and credit report analysis
Weekly credit tips by email
Access to B.W.C. credit experts
Access to online portal
Personal FICO score education and recommendations
Ongoing credit score improvement analysis

4+ accounts for a single or 8+ for a couple. One Time Set Up Fee: $249.00 (Single) or $399.00 (Couple). Monthly Fee: $199.00 Single/$299.00 Couple.

Limited Program: Set Up Fee: $
(159.00 Monthly)

1-3 items to be challenged with the credit bureaus
Consultation and credit report analysis
Weekly credit tips by email
Access to B.W.C. credit experts
Access to online portal
Personal FICO score education and recommendations
Ongoing credit score improvement analysis

1 to 3 accounts for a single or 8 for a couple. One Time Set Up Fee: $249.00 Single/$399.00 Couple. Monthly Fee: $159.00 Single/$259.00 Couple.

"Add a Spouse/Partner" Program Set Up Fee: $

First Name*
Last Name*
Email*
Daytime Phone*	- - (ext)
Evening Phone	- - (ext)
Mailing Address*
City*
State*
Zip*

Total due after account set up is completed:$0.00

We require proof of mailing address and identity to facilitate the prompt processing of our disputes with the credit bureau, and will provide a list of options.

Yes, I understand I am required to provide two forms for personal identification

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IMPORTANT BILLING NOTE: Your monthly fees begin a one calendar month from date set up is paid. This agreement is month to month and can be cancelled with 30 days written notice. Fees are not billed in advanced, only after services are performed.
CANCELLATION PROCEDURE: Cancellation prior to 6 months will require a 30-day written notice. You may cancel anytime. Like a utility bill, because billing is for services already received, you will be charged a final payment.

"Thank you! I couldn't believe when I was qualified to help my son buy a car and my score was a 720! It feels great to have good credit! Blue Water Credit is worth the investment!"

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PLEASE CHECK THE BOX BELOW:
Retainer & Limited Designation of Agency: Outlines the service we agree to provide for you and designation that work may be performed on your behalf and in your name.	DESCRIPTION OF SERVICES This Consulting Agreement between Blue Water Credit and the undersigned "Client(s)" is for the purpose of purchasing credit report audit/analysis, investigation and improvement services (the "Services"). The "Services" will include preparation of correspondence to credit bureaus to request removal of erroneous, incomplete, outdated, misrepresented, or unverifiable information, which the "Client" states appears on the credit reports which the "Client" has furnished Blue Water Credit. This is not a debt consolidation or bill payment program. Federal law requires that any unverifiable, outdated, incomplete or erroneous information must be removed from consumer credit reports by the credit reporting agencies. Blue Water Credit agrees to use its best efforts to provide the "Services", and will perform them in accordance with federal and state laws. When BWC receives legible copies of credit reports from you, it will draft, sign and send letters to the three major credit bureaus on your behalf and in your name. This retainer agreement does not include litigation services. BWC cannot guarantee a specific outcome or accurately predict how long the process will take. BWC’s services are billed on a month-to-month basis. You are only charged for services previously rendered. You understand and agree that you are billed by BWC for services rendered on your behalf, not for a specific case outcome. BWC Programs: A. Limited: This program is for a “Client(s)” with less than four accounts needing repair services for a single and eight for a couple. The “Client(s)” understands that there will be a Credit Report Analysis/Audit Fee of $249.00 for an individual and $399.00 for a couple. This fee will be billed after these services are performed: a consultation, which includes but is not limited to, education on the FICO scoring model, analyze/audit the “Client’s” credit reports and develop a plan to investigate, validate, and delete, correct or change those negative items which can be deleted, corrected or changed under current federal and state law during this contract. We will give you a detailed outline of our process to the “Client’s” and educate the “Client’s” on understanding the credit scoring model (Debt Ratio, Payment History, Length of Credit History, Types of Credit, and Inquires). The client is given a login and password to access the status of their account. Excluding this Credit Report Analysis/Audit Fee, there will be no fees or any other charges associated with the “Services” until after the completion of the first month of “Services”. The “Client(s)” understands and agrees that after the first month of “Services”, a fee of $149.00 for an individual, and $249.00 for a couple will be due, and that this fee will be charged on a month to month basis. The monthly fee is for all costs and fees associated with the previous month's “Services”. The “Client” understands that the monthly fee includes the continuing analysis/audit and investigation/dispute of up to three credit bureaus, all correspondence associated with the credit report audit, investigation, and improvement process, the review for changes requested by the “Client” to the “Client’s” credit reports as a result of contacts made on the “Client’s” behalf with each applicable credit bureau, creditor or public record holder, and the continuing planning and creation of documents for the purpose of credit report improvement. This program does not include advanced credit repair tactics such as, but not limited to: sending certified requests to creditors, good will request, and debt validation. There is an additional fee for us to negotiate debt. You will be charged a fee of $20.00 for either of the following: (i) if your payment for BWC is not honored upon first presentment by BWC to your Credit Card Company or bank and (ii) if you change your billing date. B.Standard: This program is for “Client(s)”with four to nineteen accounts needing repair services for a single and eight to thirty nine accounts for a couple. The “Client(s)” understands that there will be a Credit Report Analysis/Audit Fee of $249.00 for an individual and $399.00 for a couple. This fee will be billed after these services are performed: a consultation, which includes but is not limited to, education on the FICO scoring model, analyze/audit the “Client’s” credit reports and develop a plan to investigate, validate, and delete, correct or change those negative items which can be deleted, corrected or changed under current federal and state law during this contract. We will give you a detailed outline of our process to the “Client’s” and educate the “Client’s” on understanding the credit scoring model (Debt Ratio, Payment History, Length of Credit History, Types of Credit, and Inquires). The client is given a login and password to access the status of their account. Excluding this Credit Report Analysis/Audit Fee, there will be no fees or any other charges associated with the “Services” until after the completion of the first month of “Services”. The “Client(s)” understands and agrees that after the first month of “Services”, a fee of $199.00 for an individual, and $299.00 for a couple will be due, and that this fee will be charged on a month to month basis. The monthly fee is for all costs and fees associated with the previous month's “Services”. The “Client” understands that the monthly fee includes the continuing analysis/audit and investigation/dispute of up to three credit bureaus, all correspondence associated with the credit report audit, investigation, and improvement process, the review for changes requested by the “Client” to the “Client’s” credit reports as a result of contacts made on the “Client’s” behalf with each applicable credit bureau, creditor or public record holder, and the continuing planning and creation of documents for the purpose of credit report improvement. There is an additional fee for us to negotiate debt. You will be charged a fee of $20.00 for either of the following: (i) if your payment for BWC is not honored upon first presentment by BWC to your Credit Card Company or bank and (ii) if you change your billing date. C. Additional Fees: Blue Water Credit can also be retained to negotiate and settle a legitimate collection or charge off between “Client(s)” and any entity which remains on “Client(s)” credit report. The Client will be billed $85 per hour for accounts negotiated less than $15,000 and a flat fee of $600 for those accounts negotiated greater than$15,000. These services will include but not limited to: telephone calls, e-mail communications, office visits, locating the debt, drafting and reviewing offers and or correspondences as well as time on the phone with creditors. Time will be calculated to the nearest one-tenth (1/10) hour. Payment for any additional services such as debt negotiation shall be deducted after the service has been completed or provided to the client. If the “Client(s)” chooses not to pay the negotiated amount, the fees for this service will still be due after the work has been performed. Payment for these services will be due within 10 business days of the date invoiced or considered late. A late fee of $20 may be applied to past due invoices. D. By executing this contract to obtain Blue Water Credit Services, the “Client(s)” grants Blue Water Credit during the term of this contract, a limited power of attorney, by and through its authorized representatives, to: 1) use the Customer Information that the “Client” provided in order to obtain from credit bureaus, creditors, collection agencies and other holders of records of “Client’s” credit reports, “Client’s” credit history or other creditor information for the “Services”; 2) use “Client’s” name to sign correspondence addressed to creditors, record holders and credit bureaus; 3) obtain credit information over the telephone, fax, and or through the internet from record holders; 4) to discuss information with any record holders to help resolve a debt if mediation of a debt is necessary. Blue Water Credit acknowledges that its Authorized Representatives have been alerted to the sensitivity of the Customer Information. As such, Blue Water Credit will use its best efforts to ensure that Customer Information will be handled in a responsible and professional manner. The “Client” shall have the right to revoke or terminate the limited power of attorney provided under this contract at any time upon written notice to Blue Water Credit. Otherwise, the limited power of attorney shall terminate upon termination of this contract. All questions pertaining to validity, interpretation and administration of this contract shall be determined in accordance with the laws of California. “Client” agrees that the “Client’s” limited power of attorney is valid throughout the United States for all Customer Information to be obtained by Blue Water Credit pursuant to this contract by the binding and enforceable signatures set forth below. This contract contains the entire agreement of the parties and there are no other promises or conditions in any other agreement whether oral or written. This Agreement supersedes any prior written or oral agreements between the parties. E. The contract is on a month to month basis lasting up to six months with payments automatically made as described above. Blue Water Credit will attempt to remove all inaccurate, obsolete, unverifiable, misleading, and erroneous information from the client’(s) credit reports. In order to comply with the Credit Repair Organizations Act (CROA), BWC may only charge for services rendered. Therefore, BWC shall not require or collect first payment prior to a consultation, which includes but is not limited to, education on the FICO scoring model, analyze/audit the “Client’s” credit reports and develop a plan to investigate, validate, and delete, correct or change those negative items which can be deleted. When the “Client” finds it necessary to cancel the “Services” and terminate this contract, the “Client” shall give 30 days prior written notice requesting such termination to Blue Water Credit LLC. The “Client” is responsible for payment of any “Services” performed by Blue Water Credit LLC up to the date of receipt of the notice to cancel such “Services”.
Disclosure Statement: Assures that you are aware of your rights as they pertain to your consumer credit file.	INFORMATION STATEMENT Credit Repair Organization Act SEC. 405. DISCLOSURES. (a) Disclosure Required.--Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed: Consumer Credit File Rights under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ''credit repair'' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to sue a credit service organization if it misleads you. You have the right to cancel your contract with any credit repair organization for any reason within five business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. You also have the right to contact a non profit to assist you with your credit. If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch Federal Trade Commission Washington, D.C. 20580; 1-877-FTC-HELP (877 382-4357); www.ftc.gov.
Notice of Cancelation: Specifies that you may cancel this agreement at any time without penalty of future obligation.	NOTICE OF RIGHT TO CANCEL NOTICE OF CANCELLATION You may cancel this contract, without any penalty or obligation within five days from the date the contract is signed. “If you cancel, any payment made by you under this contract must be returned within 15 days following receipt by Blue Water Credit, LLC of your cancellation notice. To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to Blue Water Credit LLC at 300 Harding Blvd., Ste 205 Roseville, CA 95678 before midnight on ___________ (date) . I hereby cancel this transaction, _________________________________ Date _________________________________ Client Signature Sec. 393.203 Issuance of contract and other documents. A credit service organization shall give to the consumer, when the document is signed; a copy of the completed contract and any other document the organization requires the consumer to sign. DUPLICATE COPY OF SEPARATE NOTICE OF CANCELLATION (Pursuant to Federal and State Statues) You may cancel this contract, without any penalty or obligation within five days from the date the contract is signed. “If you cancel, any payment made by you under this contract must be returned within 15 days following receipt by Blue Water Credit, LLC of your cancellation notice. To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to Blue Water Credit LLC at 300 Harding Blvd., Ste 205, Roseville, CA 95678 before midnight on ___________ (date) . I hereby cancel this transaction, _________________________________ Date _________________________________ Client Signature Sec. 393.203 Issuance of contract and other documents. A credit service organization shall give to the consumer, when the document is signed; a copy of the completed contract and any other document the organization requires the consumer to sign.
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BY CHECKING THIS BOX AND PROVIDING MY SOCIAL SECURITY NUMBER, I CERTIFY THAT I AM AT LEAST 19 YEARS OF AGE, ACKNOWLEDGE THAT I HAVE READ THE RETAINER AGREEMENT, DISCLOSURE STATEMENTS AND NOTICE OF CANCELATION AND GIVE MY ELECTRONIC SIGNATURE AND LIMITED DESIGNATION OF AGENCY FOR BLUE WATER CREDIT TO PERFORM WORK ON MY BEHALF. YOU ARE REPESENTATING AND AGREEING THAT YOU ACCEPT ALL TERMS AND CONDITIONS AS IF YOU HAD PHYSICALLY PROVIDED YOUR SIGNATURE.

"I just wanted to let you know that I got my Trans Union FICO score and you will never guess, it's a 701! When you started working on my credit, it was 610. Thanks for all your help, Blue Water Credit is the best! I really appreciate your help, I can't say thank you enough!"

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"Before your program I hated to look at my credit report and never desired to know my credit score because it was so depressing. It made me angry to know I was paying thousands of dollars more for things, due to high interest rates, just because of my low credit score. But after I enrolled in the Blue Water Credit program and saw the difference it made in my credit score, I got excited. My credit score jumped up 46 points in one month! Now I watch it carefully every month and I am finally on track for getting my credit score to work me! Thanks to Blue Water Credit!"

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