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Medical Debt to be Removed from Credit Reports: CFPB's Landmark 2025 Rule Changes Everything
The CFPB has finalized a groundbreaking rule eliminating medical debt from credit reports, affecting 15 million Americans and potentially ra

Joeziel Vazquez
Jan 84 min read


The Fall of Lexington Law: A $2.7 Billion CFPB Settlement and Its Aftermath
The CFPB has secured a historic $2.7 billion settlement in the Lexington Law lawsuit, exposing widespread credit repair fraud. Learn about r

Joeziel Vazquez
Dec 28, 20249 min read


Reforming the Credit Reporting Industry: Challenges, Solutions, and the Path Forward
Uncover credit reporting challenges and solutions. Navigate the reform path. #FCRA #CreditReportErrors

Joeziel Vazquez
Jan 20, 202413 min read


Chase Bank: A Troubling Trend of Refusing to Honor the EFTA
Chase Bank has faced mounting allegations of refusing to stand by its customers when they fall victim to fraudulent activities. This blog di
Guess Writter
Jan 10, 202411 min read


Empowering Consumers: Understanding Rights and Avoiding Unethical Credit Repair Practices
Understanding consumer rights and responsibilities in credit repair is crucial for financial well-being. Unethical credit repair practices c

Joeziel Vazquez
Dec 30, 202310 min read


2024 Consumer Financial Protection Bureau Regulations: Safeguarding Consumer Rights and Reducing Financial Burdens
The Consumer Financial Protection Bureau (CFPB) has introduced new regulations in 2024 to address various aspects of consumer financial prot

Joeziel Vazquez
Dec 29, 20236 min read


Know Your Rights: Dealing with CCS Collection Company and Protecting Your Financial Future
Gain a comprehensive understanding of CCS Collection Company and your rights as a consumer. Learn about the legal protections provided by th

Joeziel Vazquez
Dec 29, 202310 min read


CFPB Shuts Down Commonwealth Financial Systems: A Bold Attitude Towards Collection Agencies
The Consumer Financial Protection Bureau (CFPB) made a bold move by shutting down Commonwealth Financial Systems, a well-known debt collecti

Joeziel Vazquez
Dec 16, 20235 min read


Navy Federal Credit Union: An In-Depth Analysis of Alleged Racial Discrimination in Lending Practice
The largest credit union in the United States, Navy Federal Credit Union, has recently come under intense scrutiny for alleged racial discri

Joeziel Vazquez
Dec 15, 20235 min read


How Lexington Law Scammed Millions and Got Busted: The Untold Story of America's Biggest Credit Repair Fraud
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

Joeziel Vazquez
Aug 30, 202337 min read


🚨Breaking News: New Report Exposes How Credit Scores Perpetuate Racial Injustice🚨
Shocking Reporting outlining the racial injustice on the credit scoring system.

Joeziel Vazquez
May 18, 20234 min read


Why Congress Must Amend the FCRA and CROA to Protect Consumers from Credit Reporting Abuses
Joeziel CEO of Credlocity making the case as to why Congress must act now to amend the FCRA and CROA to ensure better consumer protection

Joeziel Vazquez
May 16, 20238 min read
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