debt: 7 Habits to build a great credit score. - 07/09/15 02:16 PM
Keeping a great credit score is the best way to save money on your mortgage, car loan, credit cards, and other interest rates, but it takes responsible financial choices with money, credit, and debt to achieve that. As FICO scores range from 300-850, with 680 considered good and above 720 excellent, it’s important to understand these seven habits that will increase your credit score and improve your finances over time. 
1. Get your financial house in order. The first step to building a great credit score is setting correct habits with the rest of your finances. Document what you spend every month, eliminate the … (2 comments)

debt: Americans are still buried in credit card debt...but have a shovel. - 07/09/15 02:01 PM
 Recent findings from the Federal Reserve revealed that Americans are still buried in debt even after the recession and financial recovery. In fact, as a nation we now have $884.8 billion of credit card debt, not to mention our rising student loan and medical debt. And while our credit card debt totals are down approximately 5% since last year, analysts point out that’s because so many people have defaulted on large amounts of debt, not that we’re paying it off. But with the stock market booming, things looking rosy in the real estate sector, and optimistic employment numbers, people often look … (1 comments)

debt: Men are from Mars, but women have better credit scores. - 05/22/15 09:06 AM
  When it comes to men and women, which sex can claim top honors for their credit scores? A recent study by the credit bureau Experian revealed some interesting differences about men and women when it comes to managing their credit and knowledge about how scores and reporting work, and it may not be what you expected. 
Making lending or credit decisions based on gender is illegal in the United States, so few bother to collect data and do comprehensive studies. But Experian bucked that trend by pulling the data on credit scores, average debt, utilization ratios, mortgage amounts and mortgage delinquencies … (2 comments)

debt: 20 Shocking facts about credit and debt. - 06/28/14 01:47 PM
1.  The total U.S. outstanding revolving debt was $870.4 billion as of April, 2014.   2.  The average value of a credit card transaction in the U.S. is $94.   3.  37 percent of small-businesses say their businesses have relied on credit cards to meet capital needs in the 12 months.   4.  80 percent of business cards included an “any time” clause which gives the bank issuers the right to change account terms at any time with little or no notice and the cardholder cannot opt out.   5.  Consumers are holding fewer credit cards.  The average number of credit … (1 comments)

debt: How much can you save with lower interest rates? - 02/17/14 08:13 AM
A little number won’t make a big difference, right?  Too often, that’s the mentality consumers have when purchasing things and using debt to pay for it, whether it’s a new car, putting that big vacation on a credit card, or even taking out a mortgage loan for their house.  Wrapped up in the minutiae and excited about the purchase, consumers often take the first loan that is given to them or don’t adequately research or shop around for the best interest rates.  But the difference in payments you make over the life of the loan can be HUGE!  In fact, the … (1 comments)

debt: Battle of the sexes or the Amexes? Men and women's credit card habits. - 07/16/13 11:15 PM

Men and women are different, that much we know, so divided that the most popular relationship book of all time is “Men are from Mars, Women from Venus.”  But do the sexes manage their credit cards differently, too?     We might have preconceived notions of how men and women use their credit cards: are women really going on shoe shopping sprees that make their cards smoke?  Are men buying too many big shiny toys to stockpile in their man caves?   Let’s find out.  The website did a yearlong study about the personal use of credit card debt, and the differences between … (0 comments)

Jeff Sipes, Blue Water Credit (Blue Water Credit)

Jeff Sipes

Blue Water Credit

Roseville, CA

More about me…

Blue Water Credit

Address: 300 Harding Blvd. Ste 205, Roseville, CA, 95678

Office: (916) 315-9190

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