4 Reasons to Consider bluewatercredit.com

Knowing the best practices of credit restoration redeems you from having a bad credit history. Otherwise, having a bad credit score can lead to a lot of misfortunes and disadvantages in your life. Not only you will find it hard to apply for a credit card and loans, but it also could ultimately lead to being jobless and homeless. Recently, companies from most industries have been taking a look at job applicants’ credit reports to see signs of financial difficulty that could indicate risks of fraud. In simple words, the lower the credit score you have, the less likely you will get a job. To get a deeper understanding of why you should consider credit restoration, take a look at the reasons why you should start fixing your credit score.

High Credit Score is Equal to Low-Interest Rates

To get lower interest rates from your loans and credit purchases, you should have a high credit score. If you have a low credit score now, it highly suggested for you to consider credit restoration. An interest rate is an amount proportional to the value that is lent to you that you have to pay in a due period. For example, the car that you loaned originally amounts to $500 a month, the interest for this car is 5 percent. That means your payment every month is $525. The $25 is your interest rate. Having a high credit score could lower that interest rate and can save you money.

Save Money on Mortgage

Having your own house and to stop living in your parent’s basement has always been our dream. Having a bad credit score will stop us from fulfilling this dream. Understandably, most banks will not lend you a mortgage if they see you haven’t been a responsible payer with your debts and bill payments. While some banks might lend you a house, they will certainly give you a very high-interest rate that will cost you a lot of money.

Job Application

As mentioned, job applications can be very tough if you have a low credit score. Or if you already have a job, getting a promotion will be less and less likely the lower credit score you have. These employers take a look at your credit score to see whether you have been responsible. Late payments indicate that you are not organized or do not care much about agreements between yourself and a company.

Earn a Higher Credit Limit

Your creditors will likely reward you with a higher credit limit if they see that you have been a good payer. Having a high credit limit means you can purchase more. Be careful though as maxing out your credit utilization could hurt your credit score. Credit utilization is the ratio between your credit card balances and your credit limit. For example, you have a credit limit of $20,000 and you owe $10,000, then your credit utilization is 50 percent. If you have maxed out your credit limit, then your credit utilization is 100 percent. Remember that the lower credit utilization you have, the better your credit score will be.

Ask For Help

Credit restoration companies are not only there to help you clean your credit record. They are also consultants who can help you better understand how credit works. They can help you evaluate your credit report and formulate tactics to maintain your good credit score. Blue Water Credit is a company that can help you. With vast knowledge about credit, you can count on them to fix and maintain your credit score. Visit https://bluewatercredit.com/ to learn more.

The Top 3 Strategies to Enhance Rankings in SEO

According to research, almost half of the world’s population uses the internet every day. Almost everyone we know uses Google to search for a service, product, or a specific business. Search Engine Optimization is a vital aspect of today’s marketing industry. If your website is not optimized for SEO, then assume that your potential customers have no way of being aware of your business. At least not through the internet.

To begin, let us define what SEO is and how it is vital to your business’ success. Search Engine Optimization is the practice where business owners do to improve their company website’s rankings in Search engines such as Google and Bing. Imagine if you are a customer looking for a product or service online via Google, would you choose the one shown on the top or would you choose the one shown at the bottom or even the next page? Probably the one at the top. So, what are the top strategies that are available for us to rank higher in SEO?

Mobile First

According to research, there are 224.3 million mobile users in the US alone and that number is regularly increasing. Mobile-friendly websites are sites that can be easily navigated and can run smoothly via handheld devices such as smartphones and tablets. With that, potential customers will have a good user experience when visiting your website via a smartphone. Here are the things that you need to consider doing to achieve a mobile-friendly website.

Make sure your website is adaptable to mobile devices. Meta titles must be short – they are easier to read on mobile phones. Do not put pop-ups that cover your content and disrupt your visitor’s reading. Keep your content short and simple without sacrificing the gist of your content. In the mobile world, long content does not necessarily help.

Page Speed

The page speed pertains to how quick your web content load. This is one of Google’s bases on ranking your website up. The faster your page loads, the higher you rank up. Your page speed is also essential for your customers’ user experience.

How do you speed up your web page? There are a lot of ways to speed up your web page. Minimizing HTTP requests, using a content delivery network, reducing server response time, choosing the correct hosting, and compressing your images and files.

User Experience

User experience is important in ranking up in SEO. It pertains to the customers’ experience with your website. If they have a bad experience with your website because your page loads too slowly, or if your website looks awful on their mobile devices, then you will lose visitors that could have been converted into customers. Improve user experience not only by improving your page speed and optimizing your website for mobile but also by providing them with content that is useful and relevant to them.


If you are a beginner when it comes to SEO and finds some of the terminologies intimidating, always remember that there are available consultants who are experts in optimizing a website for SEO. If you try to do it on your own, there is a bigger chance of resources wasted compared to asking for outside help.