ABOUT US

Why Sacramento Credit Repair?

You deserve good credit and access to: owning a home, better interest rates, easy approval, and peace of mind.

Sacramento Credit Repair is a Legal and Ethical credit repair company. 

A Trusted Leader

Sacramento Credit Repair has helped over 8,000 people, deleting over 70,000 negative accounts in the past 10 years.
We work with the credit bureaus and your creditors to remove inaccurate, incomplete, or unverifiable information that is negatively impacting your credit score.

The FTC and Credit Repair Fraud

Credit repair is legal; however some credit repair companies are not. Here are the top three credit repair scams you need to be aware of:

Beware of credit repair services that request fees in advance

Sacramento Credit Repair does not charge you in advance for any legal services. You are charged on a monthly basis for work previously performed on your specific case.

Beware of credit repair services that advocate "new" identities

It is unlawful to create a “new” identity by applying for an Employer Identification Number (EIN) to replace one’s Social Security Number. File segregation is a serious crime that can result in fines or imprisonment.

Beware of credit repair services that don't disclose your rights

Consumers have the right to attempt credit repair on their own. Sacramento Credit Repair offers its services to those clients who prefer having trusted professionals help them manage their credit disputes and creditor investigations.
Meet The Team
Jeff Sipes

Jeff Sipes

Owner

jeff@bluewatercredit.com

Natalie Sipes

Natalie Sipes

Owner

natalie@bluewatercredit.com

Rachael Wyley

Rachael Wyley

Credit Advisor

rachael@bluewatercredit.com

Kirsten Vidosh

Kirsten Vidosh

Credit Advisor

kirsten@bluewatercredit.com

Carmen Luci

Carmen Luci

Case Manager

carmen@bluewatercredit.com

Yana Whaley

Yana Whaley

Office Manager/Case Manager

yana@bluewatercredit.com

Irina Krasnov

Irina Krasnov

Case Manager

irina@bluewatercredit.com

Mandy McGinnis

Mandy McGinnis

Relationship Manager

mandy@bluewatercredit.com

Laurie Vidosh

Laurie Vidosh

Administrator

laurie@bluewatercredit.com

Melanie Jackson

Melanie Jackson

Accounting

stacey@bluewatercredit.com

Enzo Whaley

Enzo Whaley

Canine Intern

Our Story

When I was 21 years old, I tried to open a business and in short, failed miserably. Soon after, I went to a local credit union and applied for a bank account. After pulling my credit, I was told I did not qualify for a Visa debit card. I would be given the lowest daily withdrawal limit. I then knew there were consequences for my bad credit. About a year later, a friend of mine hired an attorney to help him repair and rebuild his credit. He taught me a lot of what he had learned.

I used this knowledge to repair and rebuild my credit. Several years later, I purchased my first property, a small condo. Six months later, I flipped it for a profit. I was hooked at that point as a real estate investor. During this time, many of my friends saw me flipping homes and wanted to purchase homes, too. However, they had bad credit. I helped them with their credit, never thinking it would be our business years later.

During the economic downturn in 2007, I saw the increasing need for an organization offering credit repair. I wanted to help others improve their credit to improve their lives. My wife Natalie and I started Sacramento Credit Repair in 2008. Our goal was to create a legal, ethical credit repair company that had a genuine goal of helping others.

To this day we have helped thousands of people improve their credit. We have helped our clients achieve their dream of home ownership. I know how it feels to have bad credit and understand the peace of mind that good credit provides.

Jeff Sipes