At 1:22 AM on November 12, 2025—hours after Credit Saint threatened us with a $300,000 lawsuit—I made a decision that would change everything. I would call them myself. Not as Joeziel Vazquez, the CEO they were threatening. As someone else entirely. What I recorded over the next several days would prove every claim in their legal threat was a lie. The voicemail system that "doesn't exist." The six-day billing they claim never happens.

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

Writer:  Joeziel Vazquez CEO & Board Certified Credit Consultant (BCCC, CCSC, CCRS) Published:  Nov 1, 2024 | Last Updated:  October 22, 2025 Reading Time:  14 min Part One Part Two Just when we thought this investigation couldn't get more explosive, our trail has led us straight to the doorstep of the Bronx District Attorney's office. What started as an exposé of credit repair fraud has uncovered something far more troubling: the potential involvement of a public servant in

In Part 2 of our groundbreaking credit repair industry investigation, Credlocity founder Joeziel Vazquez teams up with OCCAM board members.

Investigative report exposes Chanelle Jones and Savvy Business Group's alleged credit repair scam, involving illegal credit sweeps and CPN f

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

Understanding consumer rights and responsibilities in credit repair is crucial for financial well-being. Unethical credit repair practices c

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

Credit privacy numbers might seem like an easy solution to credit problems, but they're illegal and can land you in federal prison. Learn why CPNs are fraudulent, how scammers operate, and the legitimate ways to repair your credit without breaking the law.

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.