When TransUnion ignores your credit dispute, you're not powerless. Under the Fair Credit Reporting Act (FCRA), you have specific rights that credit bureaus must honor—and serious consequences await them if they don't. As a Board Certified Credit Consultant with 17 years of experience, I've helped thousands of consumers navigate situations where TransUnion failed to respond, provided inadequate investigations, or simply verified inaccurate information without proper review. T

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...

Shocking Reporting outlining the racial injustice on the credit scoring system.

A recent expert report by Joeziel Joey Vazquez-Davila, CEO of Credlocity, reveals the credit bureaus' systemic failure to properly investiga

FICO credit scores are used by lenders to determine a person's creditworthiness. The FICO credit score is calculated using a proprietary...

TransUnion has a documented history of ignoring consumer disputes about credit inquiries, sending generic "502 Letters" instead of conducting legally required investigations. The landmark Norman v. Trans Union case resulted in a $23 million settlement proving this practice violates the Fair Credit Reporting Act. Learn how to protect your rights when TransUnion refuses to investigate your disputes.