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 finalized a groundbreaking rule eliminating medical debt from credit reports, affecting 15 million Americans and potentially ra

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.

The article explores the implications of the Supreme Courts ruling on government liability under the Fair Credit Reporting Act (FCRA),...

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

Uncover credit reporting challenges and solutions. Navigate the reform path. #FCRA #CreditReportErrors

Understanding Credit Repair Credit repair is a meticulous process. It entails the dexterous management of negative items on individuals'...

Unveiling Racial Discrimination in the US Financial Sector: From Historic Injustices to Reform Efforts. This blog explores the history of ra

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

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

Discover how to remove bankruptcy from your credit report with our step-by-step guide. Learn about removal strategies, sample letters,...

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

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.