Writer:  Joeziel Vazquez, CEO & Board Certified Credit Consultant (BCCC, CCSC, CCRS) Experience:  17 Years in Credit Repair Industry Published:  November 6, 2025  | Updated: November 11, 2025 Reading Time:  32 minutes Editorial Note: This investigation has been updated to correct numerical inaccuracies and provide better clarity on review data that was inadvertently misrepresented in the original publication. We maintain our commitment to factual accuracy and transparency. Co

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Understanding Credit Repair Credit repair is a meticulous process. It entails the dexterous management of negative items on individuals'...

Explore the power of DIY credit repair using expert-crafted letter templates and navigating credit bureau challenges with Transunion, Equifa

A warning from someone who actually knows what federal prison is like. I've been there—not for credit fraud, but for addiction (clean since 2015). So when I tell you that CPNs are illegal and using purchased tradelines to get loans is bank fraud, I'm not theorizing. I'm warning you about real consequences from lived experience. David Day got 7 years. The Oklahoma City case? 18 months. The FBI showed up at Swatisha Keith's office.

Credit repair is the process of identifying and disputing inaccurate, outdated, or unverifiable information on your credit reports. This comprehensive guide explains how credit repair works, what laws protect consumers, and what to expect when working with professionals to improve your credit standing.