Credit Repair Services | Credlocity
Credlocity Business Group LLC is a Philadelphia-based, FCRA-certified credit repair organization founded in 2008 by Joeziel Vazquez-Davila. With 17 years of experience and 79,000+ clients served nationwide, Credlocity helps consumers remove inaccurate, unverifiable, and obsolete negative items from all three credit bureaus — Equifax, Experian, and TransUnion.
No upfront fees. No long-term contracts. 30-day free trial.
What Credlocity Can Remove From Your Credit Report
- Collections and charge-offs
- Late payments (30, 60, 90-day delinquencies)
- Bankruptcies (Chapter 7 and Chapter 13)
- Repossessions
- Medical debt
- Student loan errors
- Identity theft and mixed file accounts
- Any item that cannot be verified under FCRA § 1681i
How Credlocity Works
- Free Credit Audit — We review your Equifax, Experian, and TransUnion reports to identify every disputable item.
- Certified Dispute Letters — FCRA-compliant dispute letters sent to all three bureaus and original creditors by certified mail.
- Bureau Challenge & Verification Demands — We demand verification under FCRA § 1681i. If a bureau cannot verify, the item must be deleted.
- Credit Rebuild Strategy — Secured credit cards, credit-builder loans, and authorized user positioning to accelerate score recovery.
Why Credlocity
- Founded 2008 — 17 years of FCRA practice
- 79,000+ clients served nationwide
- FCRA Certified · BCCC · CCSC · CCRS
- Pro se litigation record: sued TransUnion, Equifax, and 16+ collection agencies on behalf of clients
- Headquartered at 1500 Chestnut Street, Suite 2, Philadelphia, PA 19102
- No upfront fees — fully compliant with CROA
Credit Repair Laws That Protect You
The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate information. The Fair Debt Collection Practices Act (FDCPA) limits how collectors can contact you. The Credit Repair Organizations Act (CROA) prohibits upfront fees. Credlocity operates in full compliance with all three.
Featured Guide
How to Repair Your Credit: The Complete FCRA-Certified Guide for 2026 — 13-section, 10,000+ word guide covering dispute strategy, FCRA case law, AI credit repair, and more.
Explore Credlocity
- Credit Repair Blog & Financial Tips
- Plans & Pricing
- About Credlocity
- Client Success Stories
- Credlocity Legal Actions
- Meet the Team
- Contact Us
- Credit Education Hub
Frequently Asked Questions
- How long does credit repair take?
- Most clients see initial results within 30–45 days. Significant improvements typically occur within 3–6 months depending on the items on the report.
- Is credit repair legal?
- Yes. The FCRA gives every consumer the right to dispute inaccurate or unverifiable information. Credit repair is protected by federal law.
- Does Credlocity charge upfront fees?
- No. Under CROA, no credit repair company may charge before services are performed. Credlocity offers a 30-day free trial.
- Can Credlocity remove a bankruptcy?
- Yes. Under Rule 9037 and FCRA § 1681i, if LexisNexis or LCI cannot verify the bankruptcy, it must be deleted. 7 in 10 Credlocity clients achieve meaningful relief.
Start your free 30-day credit repair trial →
Credlocity Business Group LLC — 1500 Chestnut Street, Suite 2, Philadelphia, PA 19102