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.

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

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

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

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.

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