Is the 30-day free trial actually free?

Yes. Credlocity's 30-day free trial is required by CROA (15 U.S.C. Section 1679b), which prohibits credit repair organizations from collecting fees before services are performed. You pay nothing for the first 30 days of service. During that time, an FCRA-certified consultant reviews your credit reports, identifies disputable items, prepares formal dispute letters, and sends them via certified mail.

What does Credlocity do during the free trial?

During the 30-day free trial, your FCRA-certified consultant: (1) reviews your credit reports from Equifax, Experian, and TransUnion, (2) identifies every item that may be disputable under the FCRA, (3) prepares your first round of custom dispute letters citing specific FCRA provisions, (4) sends the letters via certified mail to all applicable bureaus and furnishers, and (5) documents all correspondence for your file. All of this work is performed before any payment is collected.

What happens if I cancel after the trial?

If you cancel after the 30-day free trial, you owe nothing for the trial period. Under CROA, you also have a 3-day right of cancellation after signing the service agreement regardless of when you sign. There are no cancellation fees, no penalties, and no long-term contract obligations.

Do I need a credit card to start?

You will need a payment method on file to continue after the 30-day free trial if you choose to do so. No charge is collected during the trial period. After 30 days of service are complete, you choose whether to continue with a monthly plan.

Credlocity's 30-Day Free Credit Repair Trial: What You Get and How It Works

Credlocity's 30-day free trial is not a promotional offer or a marketing hook. It is a legal requirement under the Credit Repair Organizations Act - and understanding why it exists is important for any consumer considering credit repair. This page explains what happens during your free trial, what your FCRA-certified consultant does for you, and what to expect if you decide to continue afterward.

About the author: Joeziel Vazquez, CEO and Founder, Credlocity Business Group LLC - FCRA Certified - BCCC - CCSC - CCRS - 17 years - 79,000+ clients - Philadelphia, PA

What Happens During Your First 30 Days

From the moment you complete the intake process, your dedicated FCRA-certified consultant begins working on your case. The first 30 days of service involve substantive, documented work - not a waiting period. Here is exactly what occurs during your free trial:

Credit report review. Your consultant reviews your current credit reports from all three major bureaus - Equifax, Experian, and TransUnion. Every negative item is identified and catalogued: collections, late payments, charge-offs, bankruptcies, repossessions, medical debt, hard inquiries, mixed file errors, and identity theft accounts. The review is thorough because missing a disputable item during the initial audit means a delay of 30 to 45 days before that item can be addressed.

Dispute strategy development. Not every negative item is disputed the same way. A collection from a debt buyer who purchased an old account may be challenged on the basis that the buyer cannot verify the original terms and date of first delinquency. A bankruptcy may be challenged under FCRA Section 1681i using the documentation limitations imposed by Bankruptcy Rule 9037(a) on the vendor that reported it. A late payment may be challenged on the basis of timing inaccuracies or because the creditor failed to notify you of the delinquency under applicable standards. Each item gets a customized strategy.

Dispute letter preparation. Custom dispute letters are prepared for each item selected for the first round. Each letter cites the specific FCRA provision that applies: Section 1681i for inaccurate or unverifiable information, Section 1681s-2(b) for direct furnisher disputes, Section 1681c for obsolete information past the seven-year reporting window. Letters are reviewed by the client and signed before mailing.

Certified mail delivery. All dispute letters are sent via certified mail with return receipt. This creates a documented delivery date and a paper trail that is legally admissible as evidence if escalation becomes necessary. Online dispute portals do not provide the same legal protections as written certified mail disputes. Credlocity uses certified mail because it is the strongest legal posture available.

Why We Offer a Free Trial - CROA Compliance

CROA - the Credit Repair Organizations Act, 15 U.S.C. Section 1679b - is a federal law enacted in 1996 that prohibits credit repair organizations from charging fees before services are performed. The exact language: "No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed."

This means that the 30-day free trial is not Credlocity's choice - it is the legal minimum that every legitimate credit repair organization must observe. Any credit repair company that charges you an enrollment fee, setup fee, or first-month fee before performing 30 days of actual service is violating federal law. Before any work begins and before any payment information is collected, Credlocity provides every client with: (1) a written service agreement describing the services to be performed, the total cost, and the terms of payment; (2) a separate Consumer Credit File Rights disclosure as required by CROA Section 1679c; and (3) a 3-day right of cancellation without penalty.

Credlocity has never charged an advance fee in 17 years of operation. This is not a competitive differentiator - it is the legal requirement. The fact that many companies in this industry have historically violated this requirement is why it bears emphasis.

What Your FCRA-Certified Consultant Does for You

Credlocity's consultants are not general customer service representatives assigned to credit repair. They are FCRA-trained practitioners who understand the legal framework governing every item on your credit report. Your consultant holds knowledge in FCRA Sections 1681 through 1681x, the FDCPA (15 U.S.C. Sections 1692 through 1692p), CROA compliance, and the procedural rules that govern how bureaus and furnishers must respond to consumer disputes.

What this means practically: your consultant knows when a bureau's verification response is legally deficient, knows when a furnisher's failure to investigate creates grounds for a CFPB complaint or litigation, knows the LexisNexis and LCI targeting strategy for bankruptcies challenged under Rule 9037, and knows when to recommend escalation to an FCRA litigation attorney who works on contingency. Credlocity has established relationships with FCRA-specialist attorneys for clients whose situations warrant legal action beyond the administrative dispute process.

Joeziel Vazquez personally holds FCRA Certified, BCCC, CCSC, and CCRS credentials and has 17 years of practice in this field. He has filed and won pro se lawsuits against TransUnion, Equifax, Kia Finance, the City of Philadelphia, and over 16 collection agencies. The practitioner team at Credlocity is trained to his standard.

After the Trial: Continuing Your Credit Repair

At the end of your 30-day free trial, you have a choice. If you want to continue - and most clients do, because credit repair is rarely a one-cycle process - you select a monthly plan and billing begins. The Fraud Intervention Plan is $99.95 per month, the Aggressive Repair Plan is $179.95 per month, and the Family Plan is $279.95 per month for two household members. There are no long-term contracts. You can cancel at any time with 30 days notice.

If you decide not to continue, you owe nothing for the trial period. Your dispute letters have already been sent to the bureaus - the 30-day investigation clock under FCRA Section 1681i has started. The bureaus are legally required to complete their investigations and respond within 30 days even if you do not continue with Credlocity after the trial. The work done during your free trial has real legal effect regardless of whether you continue.

How to Get Started Today

The intake process is straightforward. You provide your personal information, employment information, and access to your credit monitoring account so your consultant can review your current reports. All sensitive data - including Social Security number and credit monitoring credentials - is encrypted using AES-256-GCM encryption and stored securely. Credlocity has never had a data breach in 17 years of operation.

After completing the intake form, a Credlocity consultant will contact you within one business day to review your reports together, discuss your goals, and confirm the first round of dispute items. Your service agreement and Consumer Credit File Rights disclosure are provided at that time. Your 30-day free trial begins when you sign the service agreement.

There is no cost to start. There is no risk. There is no commitment beyond the 3-day cancellation right that CROA guarantees you. Complete the intake form now and let Credlocity's FCRA-certified practitioners start working on your credit. Also review our plans and pricing to understand what happens after the trial period.

Frequently Asked Questions

Is the 30-day free trial actually free?: Yes. CROA (15 U.S.C. Section 1679b) prohibits credit repair organizations from collecting fees before services are performed. The first 30 days of service are completely free - no enrollment fees, no advance charges.
What does Credlocity do during the free trial?: An FCRA-certified consultant reviews your Equifax, Experian, and TransUnion reports, identifies disputable items, prepares custom dispute letters citing specific FCRA provisions, and sends them via certified mail. All of this occurs before any payment is collected.
What happens if I cancel after the trial?: You owe nothing for the trial period. Your dispute letters have already been sent and the bureaus must respond within 30 days regardless. No cancellation fees, no penalties.
Do I need a credit card to start?: You will need a payment method on file if you choose to continue after the 30-day trial. No charge is collected during the trial period itself.