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

The CFPB has secured a historic $2.7 billion settlement in the Lexington Law lawsuit, exposing widespread credit repair fraud. Learn about r

Introduction: Today’s article is driven by my desire as CEO of Credlocity to punch back against the credit bureaus. This punch back or...

with the rising demand for credit repair services, there has also been a surge in scams perpetrated by deceitful individuals posing as credi

The phone call came on a Tuesday morning, and it would bring down an empire. Maria Santos was scrolling through rental listings when she saw it: a beautiful three-bedroom house, rent-to-own, "bad credit okay." She dialed the number immediately. What happened next trapped Maria in an $1,100 nightmare—and she was just one of over 700,000 victims caught in what federal investigators now call the largest credit repair fraud in American history. After 17 years as a Board Certif

If you have a low credit score, you may be wondering how to improve it and get access to better financial opportunities. Credit repair is...

The credit reporting system in America is fundamentally broken, affecting millions of consumers every day. Since the Fair Credit Reporting Act was passed in 1970, it has failed to keep pace with the digital age, leaving consumers vulnerable to errors, identity theft, and predatory practices that destroy credit scores and derail financial futures.

The three major credit bureaus—Equifax, Experian, and TransUnion—are systematically failing to conduct reasonable investigations when consumers dispute errors on their credit reports, in direct violation of the Fair Credit Reporting Act. Recent CFPB enforcement actions reveal that credit bureaus conduct "sham investigations," converting detailed consumer disputes into numeric codes, accepting furnisher responses without critical review, and improperly reinserting previously d

Most credit repair companies advertise '90-day money-back guarantees' that are actually elaborate traps with hidden conditions. Credlocity is the only major company offering a true 30-day FREE trial (third-party fees only) plus 180-day money-back guarantee with no time limits or loopholes. Learn how competitor guarantees really work and why ours is different.