Struggling with your credit score? This comprehensive 2025 guide covers everything you need to know about credit repair—from understanding FICO and VantageScore versions to choosing between DIY and professional services. Learn about credit monitoring, common scams to avoid, and why working with a reputable company like Credlocity produces better results. Get expert insights on credit scores, the repair process, and how to protect yourself while improving your credit.

By Joeziel Joey Vazquez-Davila, CEO of CredlocityOctober 2, 2025 | Reading Time: 12 minutes It's been 38 hours since the government shut down, and things are getting worse—much worse than I expected. When I wrote my first article about this shutdown  on Tuesday night, I thought we'd seen the worst of the political gamesmanship. I was wrong. What's happening right now isn't just a typical Washington standoff. This is something different, something more dangerous. Yesterday mor

By Joeziel Joey Vazquez-Davila, CEO of CredlocitySeptember 30, 2025 | Reading Time: 15 minutes It's 7:00 PM on Tuesday, September 30th, and I'm watching the news like millions of other Americans. In just five hours, the United States government will shut down. Again. But here's what's really bothering me as I sit here in my office at Credlocity: the amount of misinformation flying around social media right now is absolutely staggering. I've seen everything from claims that So