Down Roofing News

3 Ways to Remove Negative Items from Credit Report Before 7 Years

Written on October 16, 2019   By   in Credit repair

Why do you need to remove negative items from credit report before 7 years? You may not know it, but your credit report is very important. Your credit standing says a lot about your capability to pay off debts, which is quite essential in a society were living comfortably depends on credit checks. And this is why any negative data on your credit report should be taken off as soon as possible, without having to wait for 7 years.

Checking Credit Reports

While many are already aware of how important their credit scores are, they ignore the value of checking their credit reports. And when they do, they get surprised at how low their scores are when, in fact, they are good payors and do their responsibilities well.

When you do check your credit report regularly, but, unfortunately, find things that can hurt your credit score, what do you do? How can you remove negative items from credit reports before 7 years go by?

3 Ways to Remove Negative Things from Your Credit

  • Get a copy of your credit report and dispute the error. You can call or send a dispute letter to the credit bureau that made the error. You can also do it online, which is the fastest way to resolve the error. Error mix-ups are fairly common in credit reports, which is why you should carefully check yours so you don’t get blamed for someone else’s mistake and get punished for it. Fortunately, genuine errors are usually fixed easily.


  • Send the Bureau a goodwill letter. If you think there is a mistake with your credit report but the Bureau thinks otherwise and does not remove the negative item, send them a goodwill letter instead of further arguing your point. It can be hard to convince the Bureau if the error is questionable, so don’t push them. Sending a letter that explains your situation and sincerely asking them to remove the negative item may be a long shot. But it is better than doing nothing.


  • Hire a professional credit repair company. Removing negative data on your credit report can be a lot of work. And if all your effort remains fruitless, it is time you let professionals handle your problem.

Bad data can still be removed even if you don’t do anything about it. But you have to wait for 7 years before it can disappear, which makes having to remove negative items from credit report before 7 years, or in the shortest time possible, even more important. When you do so, you won’t have trouble applying for loans and such, since your credit report is clean and your credit score good.

Now, do you think you can keep your credit report clean and remove hurtful data on your own? This can be done but it needs careful checking and will require time.

If you don’t have the patience for it, you will need to do number 3 above, and let Blue Water Credit help you remove those unwanted things that prevent you from having a good credit score. Let Blue Water Credit fix and rebuild your credit so you can find success with future loans or in applying for credit cards.

Visit Bluewatercredit today!



Complete Guide about Roof Repairing

Written on August 14, 2019   By   in roofing

The stains of water extending across the ceiling or running down the walls are the signs of a leaky roof. If you have a leaky roof, it is really necessary for you to repair it as soon as possible. Small leaks can create numerous serious problems, even in a very small period of time, such as rotting of frame and sheathing. Mold destroyed insulation and damaged ceilings are also some important and most reported problems of the roof. If a homeowner deals these problems within a specific period of time, it will be very easy to overcome on such damages. To overcome these roof leaks is called roof repair. A roof repair company will be best placed to repair your roof in th ebest way possible. Here are the steps the roofing repair company will follow.

Steps of Roof Repairing

Two steps are involved in roof repairing.

  1. Tracing of leaks or damages: Tracking down the leak in the roof is the hardest and time-consuming part of repairing a roof.
  2. Repairing of Roof: After finding the actual position of leak, it becomes very easy to repair it.

Types of damages and repairing solutions

There are several types of damages which require a different solution. Some of the most reported damages and problems with their solution are given below.

  1. Blow-off damage

This problem has been reported in those areas which are suffering from the high-speed wind. High-speed winds usually damage the roofing material. This type of damages occurs in a part of a roof which is entirely exposing the high-speed wind. By severe wind, different Roofing materials such as roofing felt and roof sheathing blows away.

How to repair: If a part of the roof is blown off by the high-speed wind, a roof repairing expert will replace that section of roof with new roofing in such a way that roof would be properly protected in future. This type of damages can be fixed easily.

  1. Major Structural damage

The roof can be damaged indirectly by Storms and high-speed winds damage the roof indirectly by causing trees limbs and even entire trees in some cases to fall on the roof. In such situations, small punctures in the roof sheathing or the complete collapse of the roof may occur.

How to repair: In such cases, roof experts decide that either to repair it will bring more suitable results or replacement will be suitable.

  1. Shingles Damages

Wind can damage the roof by missing and breaking shingles. If they are directly exposed to sunlight, bald shingles will be disposed of very soon. There are some prominent signs of shingles roofing that must be replaced. The old Shingles must be replaced with the new shingles such as cup and curl.

How to repair: In some case, shingles are repaired but in most of the cases, entire shingles are replaced.

  1. Damaged Skylights

Glass in the roof-mounted skylight can be cracked from hailing and windblown objects.

How to repair: Depending upon the amount of damages, sometimes only damaged glass panel is replaced. In the majority of the cases, new skylight panel is installed.

  1. Ventilation problem of the roof

Sometimes, because of rotten away or torn of rubber boot surrounding the vent pipes, water runs into the house. In some cases, insects and animal are allowed into the attic because a proper system for their screening is absent in such cases. Some typical cases came into the record in which insufficient ventilation was reported. Roof problems relating to blockage of vents opening have also been reported.

How to repair:  The cases in which rubber boot surrounding the vent pipes was either rotted away or torn, a new rubber boot is installed by removing the old one. The cases in which insects and animal were allowed into the attic, a screening system is installed in the vents pipe. In case of insufficient ventilation, additional vents are installed to resolve the problem. Roof problems relating to blockage of vent will be resolved by removing the blockage. This removal will need a guarantee that this problem will not occur again in the future.

  1. Rotted Wood

This problem is reported in those houses which lie in an area of heavy rainfall. In these areas, the wood of the roof gets wet because of rain and cannot dry completely which result in rotting of wood. Even a small leak will result in rotting of roof sheathing and rafters.

How to repair: This roofing problem can be resolved by replacing the rotten roof material with a new one. A suitable system to dry the wet material in the roof in a short period of time must be installed to remain secure from this problem in the near future.

  1. More than two layers of roofing

Most building codes are of the opinion that there must not be more than two layers of asphalt roofing. Always remove an old asphalt shingle roof before adding or placing a new asphalt shingle roof. There are some builders who do not follow these rules. This results in two main problems. One of these two problems is that, in three layers of roof, uppermost roofing shingles remain uneven and inadequately adhere to the roof sheathing. The second problem which is related to three layers of the roof is that the combined weight of the roofing material will exceed the total strength of the roof framing.

How to repair: The best solution to this problem is that remove extra layers.



Tips for Choosing A Roofing Contractor

Written on May 18, 2019   By   in roofing

Roof installation or replacing a roof is a big decision and without doubt you need the best roofing company doing the roofing for your building. This is a project that is going to use a lot of your money and hiring a roofing contractor who is not very good at his work will lead to a lot of regrets. But how do you know that a roofing company is as good as they claim they are? The best of way of knowing is by seeing their previous works but still that is not enough. There are many contractors who have done some excellent work in the past but that does not mean they will do the same for you.

The building they are showing you might be the only one they did perfect and others are in sorry state. To determine if you should hire a certain roofing company to replace or install your roof make sure to follow the following tips.

Double check licensing and insurance.

There are many roofing contractors out there and all will promise you how they will install your roof excellently and that you will not regret hiring them. Unfortunately there are some roofing companies do not have the right insurance and licensing. If you want high quality work then make sure to hire a roofing contractor who has all the required insurance covers that can cover their workers just in case one of their workers get injured when installing your roof. A roofing company that have insurance cover for its workers shows that they are serious with their work and in most cases they do deliver excellent services. Don’t hire a roofing contractor that won’t provide proof of insurance for its workers.

Check their past work yourself.

In any business a good reputation usually comes by because of good work. I believe before you go to new salon you consider asking a friend who was there before you to tell you all about it. In most cases if your friend was impressed it means it is a great salon. With so many roofing contractors to choose from it might be hard to choose the best one because some of them are actually very good but they haven’t built a reputation either because of poor marketing or they are just new. So instead of going for the most known roofing contractor, you can take your time and do a small research about several roofing companies that might be offering great services but they are not yet known.

Read the online reviews although some are biased but you won’t fail to learn a thing or two from the online reviews. Ask for a list of homeowners that you can call to go and see for yourself how well the roof was installed. Check online for their past jobs and see if the homeowners’ feedback are encouraging. Any roofing contractor that is having nothing but 5 star rating might not be the best choice for your roof. Doing your homework well will surely pay and you will get to hire the best contractor in town.