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Credit Repair - Blue Water Credit

Credit Repair - Blue Water Credit

Reviews Summary

Bluewater Credit receives overwhelmingly positive feedback, with most reviewers praising their professional, knowledgeable, and responsive staff. Customers highlight excellent customer service, clear communication, and effective credit repair results. Many appreciate the team's honesty, willingness to educate, and personalized guidance. While one negative review mentions poor responsiveness, the consensus emphasizes trustworthiness, efficiency, and high satisfaction, with strong recommendations for credit repair needs.

About This Listing

Business Consulting
Tax Preparation
Tax Planning
IRS Representation
Financial Advisory

Who Can Work with a CPA?

Individuals seeking tax prep, retirement planning, or financial advice
Small business owners needing bookkeeping, payroll, or tax compliance
Freelancers and contractors with 1099 income or complex returns
Couples planning finances together or managing joint returns
Investors with capital gains or rental property income
Anyone looking for year-round financial guidance and peace of mind

*Note: CPAs may specialize in different areas. Be sure to check credentials and service offerings.*

First-Time Clients

If this is your first time working with a CPA, don’t worry — most professionals offer a free consultation and will walk you through what to expect. You may be asked to complete an intake form, share financial documents, or set clear goals for your session.

What to Know Upfront:

Documentation Bring your most recent tax returns, income details, and any financial concerns
Availability Appointments fill up quickly during tax season — book early if possible

*Note: Every CPA operates a bit differently. Don’t hesitate to ask questions before committing.*

What to Bring

Government-issued ID for verification
Tax documents (W-2s, 1099s, investment summaries, etc.)
Receipts or logs for deductible expenses, donations, or mileage

*Tip: Organize your documents in advance to save time and ensure accuracy.*

Preparing for Your Appointment

Write down any financial goals or questions in advance
Check if your CPA offers virtual sessions or document uploads
Bring a notebook or use a notes app for key takeaways
Know your deadlines for filing, payments, or compliance

*Note: Preparation helps you make the most of your CPA’s expertise.*

How to Get Started

Use our directory to find highly reviewed CPAs near you. Reach out directly to schedule your consultation.

Other Helpful Info

Many CPAs offer both in-person and remote consultations
Fees may be flat-rate, hourly, or based on service complexity
Some CPAs specialize in industries like healthcare, real estate, or tech
Check for client reviews and credentials (CPA license, EA, etc.)

*Note: Every CPA is different — take time to find one who fits your goals and style.*

Features

Business Consulting
Tax Preparation
Tax Planning
IRS Representation
Financial Advisory

Contact Information

Address

111 N Market St #374

San Jose, California 95113

Visit Website Call Now Get Directions

Hours

Sunday Closed
Monday 9AM-5PM
Tuesday 9AM-5PM
Wednesday 9AM-5PM
Thursday 9AM-5PM
Friday 9AM-5PM
Saturday Closed

Customer Reviews

I'm so glad i joined blue water credit repair program! Brianna has been incredible! I appreciate her dedication and her responsiveness. She has excellent communication skills and has been lovely to coordinate with. She has a great personality and is easy to work with. She has been detailed, thorough and able to answer any questions i have in a timely manner. I have been very impressed with the customer service so far. It's been a great experience and i recommend this service to anyone looking for a credit r

Had a consultation with Jer. He was very generous with information. Did a soft check on my credit. Let me know what that meant. Let me know how to protect myself from scams. Give me advice on how to build credit and actually how the whole system works. It was like a crash course, hi level university session . I appreciate the generosity And appreciate that they are on our side in this pool of sharks. Thanks for the empowerment.

Excellent Service! My father has some fraudulent activities posted on his credit from all 3 bureaus, Blue Water Credit's team were very professional and helpful in getting them removed from all 3 in a very reasonable time frame. They were there every step of the way! I totally would recommend them to anyone that needs to repair their credit or remove fraudulent accounts! A++ business!

I initially used Blue Water about 5 years ago and worked with Yana to clean up my credit report. She was responsive, professional and willing to educate me on the process. I feel like the fee was very readable and worth every penny. I have referred her to multiple friends and family and not one negative feedback from their experiences as well. Recently, I found myself needing clear up something on my report and I reached to Yana asking for guidance and support. I have to say I was surprised by her encourag

My experience with Bluewater Credit was excellent. The staff is professional, caring, and efficient. They are responsive and helpful in dealing with any questions or concerns. They worked tirelessly to help me with all of my questions.

Denis. I just want to thank you for all your help and honesty. After sending one dispute letter to the care credit company I was able to remove it from my credit report and my credit score went up 20-30 points. Thanks for taking the time and explaining everything. Btw After explaining my situation, Denis had me do things myself because he didn't want to charge me for something that I could easily do it myself. But he explained everything step by step.

Dennis is amazing! I can't thank him enough for his services, seriously! My goal was to fix my credit in hopes to buy a new home. I am SO close, Dennis walked me every stepped of the at and answered all of my million questions AND has educated me so much in credit. I recommend BWC to EVERYONE! and if I could refer you to someone it would be Dennis without question. Thank you BWC

While I have yet to be a direct client, I have been reviewing Blue Water Credit for sometime as I have received considerable referrals and recommendations from friends and family who have used their services. Personal stories indicate that staff are genuine and competent.

Blue Water Credit is a family-oriented company that engages in honest and reliable credit repair and credit counseling. I would confidently recommend their services to anyone in need of help repairing their credit.

Brianna at Blue Water has been a pleasure to work! The team is very knowledgable and they are great at what they do! Highly recommend if you need help.

I have been familiar with Blue Water Credit for many years. They are trustworthy and knowledgeable with my credit questions.

Blue Water Credit is awesome! Always honest, reliable and great customer service!

Briana was so helpful and made the credit repair process quick and simple for me and answered all my questions to better help me understand the process for my situation thanks bluewater

Everything you need to lower your score and get better rates! Couldn't ask for better service

I reached out for help and they told me to go pound sand

Frequently Asked Questions

What qualifications should I look for in a CPA?

Look for a Certified Public Accountant (CPA) license, which ensures they’ve passed rigorous exams and meet state requirements. Check for relevant experience in your industry, additional certifications like CFA or CMA, and membership in professional organizations like the AICPA. Verify their credentials through state licensing boards.

How do I find a CPA in my area?

Use online directories like the AICPA, CPAverify, or state CPA societies. Search platforms like Yelp or Google for local CPAs with reviews. Ask for referrals from business associates, friends, or financial advisors. Local chambers of commerce can also provide recommendations.

What’s the difference between a CPA and an accountant?

A CPA is a licensed professional who has passed the CPA exam and met state requirements for education and experience. An accountant may lack this certification and could have varying levels of expertise. For complex tasks like tax audits or financial reporting, a CPA is typically more qualified.

How do I know if a CPA specializes in my needs?

Ask about their experience with your specific financial needs, such as tax preparation, small business accounting, or estate planning. Review their website or LinkedIn for case studies or client testimonials. Inquire about their client base to ensure they handle similar financial situations.

Should I check a CPA’s reviews before hiring?

Yes, reviews provide insight into a CPA’s reliability, communication, and performance. Check platforms like Google, Yelp, or the Better Business Bureau for client feedback. Look for patterns in reviews, but verify their authenticity, as some may be biased or outdated.

How can I verify a CPA’s license?

Visit your state’s Board of Accountancy website or use CPAverify.org to check a CPA’s license status. Confirm their license is active and check for any disciplinary actions or complaints. This ensures they’re in good standing and meet professional standards.

What questions should I ask during a CPA consultation?

Ask about their experience with your financial needs, fee structure, availability, and communication style. Inquire how they handle tax filings, audits, or financial planning. Ask for references or examples of similar work to assess their expertise and fit.

How much should I expect to pay for a CPA’s services?

Fees vary based on location, services, and complexity. Basic tax preparation may cost $150-$500, while business accounting or audits can range from $1,000 to $10,000+. Request a detailed fee structure upfront and compare quotes from multiple CPAs.

Can I work with a CPA remotely?

Yes, many CPAs offer remote services through secure online platforms for document sharing and virtual consultations. Ensure they use encrypted tools for data security. Remote CPAs can be effective if they understand your local tax laws or business regulations.

How do I assess a CPA’s communication skills?

During consultations, evaluate their ability to explain complex financial concepts clearly. Ask sample questions about taxes or financial strategies and note their responsiveness and clarity. Good communication ensures you understand their advice and fosters a productive relationship.

What red flags should I watch for when screening a CPA?

Beware of CPAs who guarantee specific tax refunds, lack a valid license, or have disciplinary actions on record. Avoid those with poor communication, vague fee structures, or negative reviews highlighting unethical behavior. Always verify their credentials independently.

Should I choose a CPA from a large firm or a solo practitioner?

Large firms offer more resources and specialized teams but may charge higher fees. Solo practitioners often provide personalized service and lower costs but may have limited availability. Choose based on your needs, budget, and preference for personalized attention.

How often should I meet with my CPA?

For individuals, annual meetings for tax preparation may suffice. Businesses may need quarterly or monthly check-ins for bookkeeping, tax planning, or financial reporting. Discuss your needs upfront to establish a meeting schedule that aligns with your financial goals.

Can a CPA help with both personal and business finances?

Yes, many CPAs handle both, but confirm their expertise in both areas. Ask about their experience managing personal taxes and business accounting simultaneously. Ensure they can balance both without compromising attention to your specific financial needs.

What should I do if I’m not satisfied with my CPA?

Discuss concerns directly with your CPA to resolve issues. If unresolved, check your contract for termination terms. Seek a new CPA by researching reviews, credentials, and referrals. Request your financial records to ensure a smooth transition to a new professional.

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