Blue Water Credit is a legal and ethical credit repair company that provides help, hope and credit education throughout the entire process. Blue Water Credit raises credit scores by working with you, your creditors and the credit bureaus to remove negative items from your credit report. We also have a experienced debt negotiator that can settle collections or past due accounts.
The Blue Water Credit team was founded by Jeff Sipes and wife Natalie Sipes, and also consists of experienced, trustworthy credit advisors: Yana Kalenyuk, Heather Champlin, Kirsten Vidosh, Melanie Jackson, Stacey Jennings, Jennifer Sopinski, Carmen Luci and Tanya Eggert.
Where are we located?
Blue Water Credit is located at 300 Hardin Blvd., suite 205 in Roseville, California. You’re always welcome to stop by! We work hands-on in Sacramento and all of Northern California, but can help anyone, all over the country, who wants to responsibly raise their credit score.
We legally and ethically raise credit scores, working with clients and creditors to improve credit profiles by challenging questionable, inaccurate, outdated, misleading and or unverifiable data on consumer credit reports. A 50 point increase in your credit score can mean hundreds of thousands on a home loan...and even be the difference between getting approved and denied.
How we are different?
We are much more hands on with our clients than any other credit repair companies. Most companies assign 600-800 clients per case manager, while our credit restoration specialist has a maximum of 140 clients each. We follow up with our clients monthly, with emails and phone calls. We also focus on credit education more than our competitors and lastly we treat people how we want to be treated.
Who should come talk to us?
Anyone who is considering a big purchase or getting a loan: home buyers 6 months to a year before they are ready to purchase, folks looking to get an auto loan, people who have gone through a negative financial event, like a bankruptcy, short sale, or foreclosure and looking to rebuild positive credit, anyone looking to apply for a job in financial services and needs a credit boost, and lastly, consumers who want to keep track of their credit to be responsible.
What does it cost?
Our services vary based on what a client needs, but are very competitive compared to others in the industry, yet our services go the extra mile. We have a ton of free tools to help educate consumers first to see if they are a good fit for our help, and we’re happy to offer a risk free consultation to get you comfortable with who we are.
Where can people go for more information or to contact us?
Our credit education blog is a terrific resource, and geared toward empowering you to make good decisions, not selling you. Check us out at
Phone: (916) 315-9190
Legal and Ethical Credit Repair.