Embark on a journey through the intricate landscape of the credit repair industry with our comprehensive guide. Discover tips on choosing th

Credlocity, a company that champions honorable and lawful credit repair work, including credit restoration, has a strict adherence to the...

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

Identity theft, particularly consumer identity theft, is a grave issue that can detrimentally affect your credit scores and financial...

Budgeting is one of the most important skills you can learn to manage your personal finances. A budget helps you plan your spending and...

If you are a member of the LGBTQIA+ community, you may have experienced or witnessed discrimination in various aspects of your life, such...

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...

How LGBTQ+ Married Couples Face Challenges with Name Changes and Credit Recognition Many people change their names for various reasons,...

Creating a budget that actually works doesn't require complex spreadsheets or tracking every purchase. The 50/30/20 budget rule offers a refreshingly simple approach: divide your after-tax income into 50% for needs, 30% for wants, and 20% for savings and debt repayment. This comprehensive guide from Board Certified Credit Consultant Joeziel Vazquez breaks down exactly how to implement this proven budgeting framework, adapt it to your unique circumstances, and build lasting fi

When FICO introduced credit scoring in 1989, it was marketed as objective and race-neutral. But the algorithm doesn't need to know your race to discriminate against you. Credit scores measure financial factors that have been shaped by centuries of racial discrimination, from redlining to predatory lending. The median credit score for Black consumers is 639 compared to 730 for white consumers.

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

Meta Platforms has paid over $7 billion in privacy violation settlements since 2019, including a record $5 billion FTC penalty, a $1.4 billion Texas biometric privacy settlement, and a $725 million consumer class action. These unprecedented cases reveal critical lessons about digital privacy rights, corporate accountability, and protecting your financial information in the modern era.

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.