Jeff Sipes's Blog

U.S. consumers may be getting a valuable ally when it comes to correctly reporting their credit scores if newly introduced legislation gets passed.  A bill sponsored by U.S. Senators Sherrod Brown (D-OH) and Brian Schatz (D-HI,) among others, would call for accuracy and accountability from the c...

  Keeping a great credit score is the best way to save money on your mortgage, car loan, credit cards, and other interest rates, and it can take a lifetime of responsible financial choices to achieve that.  But there are things you can do in the short term to boost your credit score.  These aren’...

  The City of Trees might as well be called the City of Pollen, because our beloved Sacramento has just been ranked #22 out of the worst cities in America for allergies according to ratings from pharmaceutical company GlaxoSmithKline.  That’s no surprise for any of us who have lived in Sactown fo...

Your credit score is more important than ever these days, whether you’re trying to buy a home, save money on your car loans or credit cards, or just trying to clean up your finances.  You have a lot of choices who to work with to help raise your credit score, but Blue Water Credit would love the...

  We all try to keep on top of our bills, but every once and a while there’s a bump in the road and we might miss a payment.  Unfortunately, a 30-day late payment will report on your credit report and lower your score.  How much will your FICO drop?  There are a lot of factors that go into it, wh...

  A federal tax lien is the government’s legal claim against your property if you don’t pay a tax debt. The lien protects the government’s interest in your property and may include real estate, financial assets, and personal property.  While it has serious financial consequences, one oft-forgotte...