top of page

The 2025 Government Shutdown: What's Really Happening (And What They're Not Telling You)

  • Writer: Joeziel Vazquez
    Joeziel Vazquez
  • Oct 1
  • 18 min read

Updated: Oct 14

By Joeziel Joey Vazquez-Davila, CEO of CredlocitySeptember 30, 2025 | Reading Time: 15 minutes

Capital Bbuilding with a sign hung over it saying "Sorry we're closed"

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 Social Security checks will stop (they won't) to outright lies about what Democrats are demanding in these negotiations.


As someone who works in the credit and financial wellness space, I know firsthand how government shutdowns devastate families. I've watched clients miss mortgage payments because their federal paychecks stopped. I've seen credit scores tank because people didn't understand their rights. And I've spent countless hours helping federal workers rebuild their financial lives after these political games end.

So tonight, I'm doing something different. I'm going to walk you through exactly what's happening with this shutdown, cut through the political nonsense, and give you the facts you need to protect yourself and your family. Because if there's one thing I've learned in this business, it's that knowledge is power—especially when your financial security is on the line.

Let's start with what's actually going on at the Capitol right now.


The Scene in Washington: A City Holding Its Breath

The Capitol building is mostly empty tonight. House Republicans? They're not even in town. Speaker Mike Johnson sent them home last week after they passed their funding bill. The message was clear: we did our job, now it's on the Senate.

But here's where it gets interesting. Around noon today, something unusual happened. Democrats flooded the House floor during what's called a "pro forma session"—normally a sleepy, two-minute procedural meeting where maybe one or two members show up. Instead, dozens of Democrats packed the chamber.

Representative Rosa DeLauro tried to introduce an alternative funding bill. The acting speaker, Rep. Morgan Griffith, wouldn't even acknowledge her. He banged the gavel, declared the session adjourned, and walked out. Democrats started shouting "Shame on you!" but it didn't matter. The House was closed for business.

One Democratic member told reporters their message was simple: "We are here en masse, and they are not. We care. They don't."

Over in the Senate, it's a different story. Both parties are actually in the building, but they might as well be on different planets. At 5:30 PM, they held votes on two competing bills—one Republican, one Democrat. Everyone knew both would fail. They need 60 votes to pass anything. Republicans have 53 seats. Do the math.

After Monday's White House meeting with President Trump went nowhere, Vice President JD Vance told reporters exactly what everyone already knew: "I think we're headed to a shutdown."

Senator Chuck Schumer stood in front of cameras looking frustrated. Senate Majority Leader John Thune looked equally annoyed. And somewhere in between all this political theater, 900,000 federal workers are wondering how they're going to pay their bills next week.

Why This Is Really Happening (Spoiler: It's Not About Illegal Immigration)


Look, I'm going to be straight with you about something. Turn on Fox News right now, and you'll hear Republicans saying Democrats want to give free healthcare to illegal immigrants. Turn on MSNBC, and you'll hear Democrats saying Republicans are lying.

Here's what I know after spending hours digging through congressional documents, CBO reports, and fact-checks: The Republican claim is completely false. And I'm not saying that as a partisan—I'm saying it as someone who actually read the legislation.

What Democrats Are Actually Demanding

Democrats want two things:

First: They want to extend the enhanced Affordable Care Act subsidies that are expiring on December 31st. These are the subsidies that help regular Americans—citizens, legal residents—afford health insurance. Without them, millions of people are going to see their premiums potentially double next year. That's not me being dramatic. That's what the Congressional Budget Office projects.

Second: They want to reverse some of the Medicaid cuts that were in the "One Big Beautiful Bill" that Republicans passed back in July. That bill put work requirements on Medicaid for the first time ever and restricted healthcare access for legal immigrants—people here legally, with work visas, refugees, asylees.

Notice what I didn't say? Anything about undocumented immigrants getting free healthcare. Because that's not what's being debated. At all.

What Republicans Are Demanding

Republicans want a simple seven-week continuing resolution. Fund the government at current levels through November 21st, and then we'll negotiate the healthcare stuff later. They're also asking for some additional security funding for government officials.

Their position is: we already did our jobs. We passed a bill. Why should we negotiate on healthcare subsidies that don't even expire until the end of the year?

It's a fair question, actually. Democrats' answer is basically: because if we wait, you'll never do it. And they're probably right about that.

The Healthcare Lie That Won't Die: A Fact Check

I need to spend some serious time on this because it's the biggest piece of misinformation spreading right now, and it's making my blood boil.

President Trump said this yesterday: "We don't want to give illegal aliens the health care of Americans. They want to destroy health care in America by giving it to millions and millions of illegal aliens."

Vice President Vance posted on social media: "Democrats are about to shut down the government because they demand we fund healthcare for illegal aliens."

And then—and this is where it gets really ugly—Trump posted a fake AI-generated video showing Senator Schumer with fabricated audio saying Democrats want to give healthcare to undocumented immigrants so they'll vote Democratic. He showed Congressman Hakeem Jeffries wearing a digital sombrero with mariachi music playing in the background.

Let me be crystal clear: This is a lie. A complete, fabricated, politically motivated lie.

The Legal Facts (Since 1996)

Under federal law—specifically the Personal Responsibility and Work Opportunity Act of 1996—undocumented immigrants are BARRED from:

  • Medicaid (except life-threatening emergencies)

  • Medicare

  • Children's Health Insurance Program (CHIP)

  • Affordable Care Act subsidies

  • Even purchasing insurance on the ACA exchanges with their own money

The only healthcare undocumented immigrants can access is:

  1. Emergency room care under EMTALA (Emergency Medical Treatment and Labor Act)—which applies to everyone regardless of immigration status and has since 1986

  2. Emergency Medicaid for life-threatening situations only

  3. Community health centers for basic primary care

You want to know how much emergency care for undocumented immigrants costs taxpayers? According to 2016 Medicaid data (the most recent comprehensive numbers), the federal government spent $974 million. That sounds like a lot until you realize it's 0.2% of total Medicaid spending. Two-tenths of one percent.

Don't Take My Word For It

House Minority Leader Hakeem Jeffries said it plainly: "Donald Trump knows, or at least I think he knows, that current federal law prohibits using taxpayer dollars for undocumented immigrants in connection with their health care. And no one is trying to change or reverse that law."

Senator Patty Murray, who sits on the Appropriations Committee: "Undocumented immigrants are not eligible to enroll in federally funded health coverage under existing law or Democrats' funding proposal."

And here's the kicker—Jessica Riedl, a senior fellow at the Manhattan Institute, which is a conservative think tank, called this claim "not merely an exaggeration or misinterpretation" but "completely fabricated out of thin air."

When a conservative policy expert is calling out Republican talking points as fabricated, you know something's wrong.

Why This Matters to You

I'm taking time on this because misinformation doesn't just pollute political debates—it affects real policy. If voters believe Democrats want to give away healthcare to undocumented immigrants, they'll support Republicans blocking any healthcare legislation. And then what happens? Millions of American citizens lose their healthcare subsidies. Premiums double. People who were barely hanging on financially fall off the cliff.

And those are my clients. Those are the people who call Credlocity when their credit is destroyed because medical bills piled up. That's why I care about getting the facts right.

What's Actually Going to Shut Down (And What Isn't)

Alright, let's talk about what actually happens when the clock strikes midnight.

Things That Will Continue (Don't Panic)

Social Security and Medicare: Every single check will arrive on time. These are mandatory spending programs, which means they're funded separately and completely unaffected by shutdowns. All 62 million Social Security recipients can breathe easy.

Military Operations: The military keeps operating. Planes fly, ships sail, troops remain deployed. But here's the cruel part—none of them get paid until the shutdown ends.

Essential Services: TSA agents, air traffic controllers, border patrol, federal law enforcement—they all keep working. Also without pay. Think about that for a second. We're asking people to protect our borders and our skies without a paycheck.

Mail: The Postal Service is self-funded, so your mail keeps flowing.

Things That Will Stop (Here's Where It Hurts)

800,000+ Federal Workers Furloughed: These people get sent home. No work, no pay. And while they'll eventually get back pay when the shutdown ends (thanks to the Government Employee Fair Treatment Act), that doesn't help with this month's mortgage payment.

National Parks: Many parks will close or operate without services. No visitor centers, no rangers, no bathroom maintenance, no trash pickup. During the 2013 shutdown, parks lost $414 million and 8 million visitors.

Federal Courts: Here's something most people don't know—federal courts are warning they'll be affected within days, much sooner than previous shutdowns, because budgets are already tight.

Economic Data: The jobs report scheduled for October 3rd? Won't be published. That matters because the Federal Reserve uses that data for interest rate decisions that affect your mortgage, your car loan, your credit cards.

Processing of New Applications: Need to apply for Social Security benefits? Apply for a passport? Process a mortgage that requires federal verification? Good luck. Those offices will be closed or severely understaffed.

The People Who Really Get Screwed

Can I be honest about something that really bothers me? Members of Congress will keep getting paid during this shutdown. All of them. $174,000 a year, and they don't miss a dime.

Why? Because Article I, Section 6 of the Constitution says they have to be paid. Their salaries have been funded by a permanent appropriation since 1983. They literally cannot cut their own pay during a shutdown.

Meanwhile, the janitors cleaning the Capitol? The security guards? The cafeteria workers? They're all contractors, and contractors don't get back pay. Ever. When this shutdown ends, federal employees will eventually get every penny owed to them. Contractors get nothing.

Think about the irony here. The people who created this mess keep getting paid. The people who clean up after them lose everything.

A Special Message to Federal Workers and Military Families

If you're a federal employee or service member reading this, I want you to know something: you have rights, and you have options.

Immediate Steps You Should Take Tonight

  1. File for Unemployment Immediately: Most states allow furloughed federal workers to collect unemployment benefits. Don't wait. File tomorrow morning. Every day you delay is money lost.

  2. Contact Your Creditors: I tell my clients this all the time—your creditors would rather work with you than send you to collections. Call your mortgage company, your car loan company, your credit card companies. Many have hardship programs specifically for federal workers during shutdowns.

  3. Document Everything: Keep records of your furlough notice, unemployment claims, and every communication with creditors. If this affects your credit, you'll need this documentation.

  4. Know Your Military Resources: If you're in the military, organizations like Army Emergency Relief, Navy-Marine Corps Relief Society, Air Force Aid Society, and Coast Guard Mutual Assistance can help. Don't be too proud to ask.

Protecting Your Credit Score

Here's what a lot of people don't realize: a government shutdown can destroy your credit score even though it's not your fault. Miss one mortgage payment because your federal paycheck stopped? That's a 30-day late payment on your credit report. That can drop your score 100 points.

At Credlocity, we've helped hundreds of federal workers deal with this exact situation. Here's what you need to know:

  • Payment history is 35% of your credit score. Missing even one payment is devastating.

    Pie chart showing the make up of a credit score
  • Document your furlough status. This can help with creditor negotiations and potential credit report disputes later.

  • Communicate with creditors BEFORE you miss payments. Once you're 30 days late, the damage is done.

  • Consider credit counseling. Non-profit credit counselors can help negotiate with creditors and create payment plans.

The government caused this mess. Don't let them ruin your credit too.

FACT CHECK SECTION: Myths vs. Reality

Let me clear up some of the most common myths flying around social media right now.

MYTH #1: "Social Security Checks Will Stop"

VERDICT: FALSE

I've seen this claim shared thousands of times on Facebook. It's not true. Social Security and Medicare are mandatory spending programs. Every single one of the 62 million Americans receiving Social Security will get their check on time, shutdown or no shutdown. This has been true in every single shutdown in history.

What might be delayed is processing new applications or issuing replacement Social Security cards. But existing benefit payments? Totally safe.

MYTH #2: "Members of Congress Won't Get Paid Either"

VERDICT: FALSE

I wish this were true, but it's not. Congress members will continue receiving their $174,000 annual salaries throughout the shutdown. The Constitution requires it, and their pay has been funded through a permanent appropriation since 1983.

Some members have voluntarily asked to have their paychecks withheld—Senator Andy Kim and Representative Kat Cammack, for example. But that's their personal choice. The money is legally theirs whether they take it or not.

MYTH #3: "Democrats Want Free Healthcare for Illegal Immigrants"

VERDICT: COMPLETELY FALSE

We covered this extensively above, but it's worth repeating: this is political misinformation with zero basis in fact. Democrats are fighting to extend ACA subsidies for American citizens and legal residents. Federal law has barred undocumented immigrants from federal healthcare programs since 1996, and nobody is trying to change that.

MYTH #4: "All Federal Workers Will Be Sent Home"

VERDICT: FALSE - IT'S MORE COMPLICATED

About 1.4 million federal employees are considered "essential" and must continue working, though without pay. Another 750,000 are funded through sources other than appropriations and will keep getting paid. About 900,000 workers will be furloughed (sent home without pay).

So no, not everyone goes home. In fact, most federal employees keep working—they just don't get paid until the shutdown ends.

MYTH #5: "This Is Normal Budget Process"

VERDICT: TECHNICALLY FALSE

Some politicians claim shutdowns are a "normal part of the constitutional process." That's nonsense. While we've had 14 shutdowns since 1980, they're not how government is supposed to work. Congress hasn't passed a complete, on-time budget since 1997. That's 28 years of failure.

The Constitution requires Congress to fund the government. Shutdowns happen when they fail to do their job. That's not normal—it's dysfunction.

MYTH #6: "The Economy Will Be Fine"

VERDICT: FALSE

Each week of shutdown costs the U.S. economy approximately $7 billion, according to economists at EY-Parthenon. The 2018-2019 shutdown (34 days) cost an estimated $3-11 billion in permanent economic damage.

But the real cost isn't measured in billions—it's measured in families. The 800,000 federal workers who missed paychecks in 2018-2019 turned to food banks. They set up GoFundMe pages. They burned through savings and retirement accounts. That kind of financial trauma takes years to recover from.

MYTH #7: "Federal Contractors Get Back Pay Too"

VERDICT: FALSE

This is one of the cruelest aspects of shutdowns. Federal employees are guaranteed back pay by law. Federal contractors—the janitors, security guards, food service workers, IT support staff—get nothing. No back pay. No unemployment in many cases. Just lost income they'll never recover.

These are often the lowest-paid workers in the federal system, and they bear the biggest burden.

FREQUENTLY ASKED QUESTIONS

I'm getting questions from clients and readers constantly. Here are the most common concerns:

About Benefits and Services

Q: Will I still receive my Social Security check during the shutdown?

A: Yes, absolutely. Social Security is mandatory spending and completely unaffected by shutdowns. All 62 million recipients will receive their benefits on time. This includes Social Security retirement, disability, and survivor benefits.

Q: What about Medicare and Medicaid?

A: Benefit payments continue without interruption. However, if you need to file a new application or get a replacement Medicare card, those services might be delayed because the staff processing those requests could be furloughed.

Q: Can I renew my passport during a shutdown?

A: Passport services are fee-funded, so they typically continue operating with reduced staff. However, you should expect delays. If you have international travel planned, apply for your passport well in advance of any potential shutdown.

Q: Will the post office close?

A: No. The U.S. Postal Service is self-funded and operates independently of congressional appropriations. Your mail will be delivered normally.

Q: What about veterans' benefits?

A: Most VA services continue. Veterans Health Administration facilities remain open with most employees working. Benefit payments continue. However, employees performing medical research would be furloughed, and there might be delays in processing new benefit applications.

About Federal Employment

Q: I'm a federal employee. Will I get back pay?

A: If you're a federal employee (not a contractor), yes. The Government Employee Fair Treatment Act guarantees back pay for both furloughed workers and those who work during the shutdown. However, you won't receive this back pay until after the shutdown ends and Congress appropriates funding.

Q: Can I file for unemployment if I'm furloughed?

A: Generally, yes. Most states allow furloughed federal employees to collect unemployment benefits. However, rules vary by state, and you may have to pay back some benefits if you receive back pay that covers the same period. File immediately—don't wait.

Q: I'm a federal contractor. What about me?

A: Unfortunately, federal contractors are not guaranteed back pay. Whether you receive compensation depends entirely on your company and your contract terms. Some contractors have insurance or contingency plans, but many workers simply lose income with no recourse.

Q: I'm active duty military. Do I have to report for duty without pay?

A: Yes. Active duty military members are considered essential and must continue reporting for duty. You will not receive your paycheck until after the shutdown ends, but you will receive full back pay. The next military pay date at risk is October 15.

About Travel and Daily Life

Q: Is it safe to fly during a shutdown?

A: Yes. TSA screeners and air traffic controllers are considered essential personnel and continue working. However, you may experience longer security lines and potential delays as morale declines and some workers call in sick. Plan extra time for airport security.

Q: Can I visit national parks?

A: It depends on the park and the shutdown plan. Some parks remain open but without services—no visitor centers, restrooms, rangers, or trash collection. Other parks close completely. Check the National Park Service website or call ahead before planning a visit.

Q: Will my tax refund be delayed?

A: It depends on timing. The IRS is considered essential for certain functions, but if your return requires manual review or processing, it could be delayed during a shutdown.

About Financial Impact

Q: How will this affect my mortgage application?

A: If your mortgage requires federal verification (like FHA loans, VA loans, or verifying federal employment), processing will likely be delayed. Some flood insurance programs also close during shutdowns, which can delay closings.

Q: Should I be worried about my credit score?

A: If you're a federal employee who might miss payments, yes, you should be proactive. Contact your creditors immediately, explain the situation, and ask about hardship programs. Missing even one payment can severely damage your credit score.

Q: What if I can't pay my bills during the shutdown?

A: Contact your creditors immediately—before you miss a payment if possible. Many companies have hardship programs specifically for federal employees during shutdowns. Document everything related to your furlough or unpaid status.

Q: Can creditors sue me for missing payments during a shutdown?

A: Technically, yes. Being furloughed doesn't automatically protect you from creditor actions. However, most creditors would rather work out a payment plan than sue. Communication is key—don't ignore calls and letters.

About the Political Situation

Q: Who decides what's "essential" during a shutdown?

A: Each federal agency develops its own contingency plan determining which functions are essential (protecting life and property) and which are not. These plans are reviewed by the Office of Management and Budget.

Q: How long will this shutdown last?

A: Nobody knows. Past shutdowns have lasted from one day to 34 days (December 2018-January 2019). This shutdown will end when Congress and the President reach a compromise on funding legislation.

Q: Can the President end the shutdown by himself?

A: No. Only Congress can appropriate funds. The President can sign or veto funding bills, but he cannot unilaterally end a shutdown. Both branches must act.

Q: Is a government shutdown constitutional?

A: The Constitution requires Congress to appropriate funds for government operations. Shutdowns occur because of political disagreement, not constitutional design. The Antideficiency Act prohibits federal agencies from spending money that Congress hasn't appropriated.

Q: Has a shutdown ever been prevented at the last minute?

A: Yes, many times. Congress has passed temporary funding bills minutes before deadlines. However, given the current political rhetoric and lack of progress, a last-minute deal seems unlikely this time.

About Your Rights

Q: Can my landlord evict me if I miss rent during a shutdown?

A: Eviction laws vary by state, but generally, yes—being furloughed doesn't automatically protect you from eviction. Contact your landlord immediately, explain the situation, and work out a payment plan if possible.

Q: What if I'm denied unemployment benefits?

A: You can appeal the decision. Each state has an appeals process. Document your federal employment status and furlough notice carefully.

Q: Can I be fired for being furloughed?

A: No. Furlough is a temporary, non-disciplinary suspension of duties. You cannot be fired simply for being furloughed. However, during this shutdown, the Trump administration has controversially suggested agencies could conduct "Reduction in Force" (permanent layoffs) during the shutdown, which breaks with historical precedent and faces legal challenges.

The Unprecedented Threat: Permanent Layoffs During a Shutdown

I need to address something that makes this shutdown different from all previous ones.

The Trump administration's Office of Management and Budget, led by Russell Vought, sent a memo to federal agencies directing them to prepare for "Reduction in Force" (RIF) notices—permanent layoffs—during the shutdown.

Let me be clear: this has never happened before.

Historically, government shutdowns involve temporary furloughs. Workers go home without pay, but they keep their jobs and receive back pay when the shutdown ends. It's terrible, but it's temporary.

What the administration is proposing is using the shutdown as an opportunity to permanently fire federal employees. Legal experts say this violates long-standing Office of Personnel Management rules that distinguish between shutdown furloughs (temporary) and administrative furloughs (permanent layoffs).

Democrats have called this "mafia-style blackmail"—using the threat of permanent job loss to pressure Congress. Senator Chris Van Hollen said exactly that: "This is nothing less than mafia-style blackmail."

Even if you support reducing the size of government, using a funding crisis to conduct mass firings without proper procedure should concern you. It sets a dangerous precedent that any president could weaponize the appropriations process to remake the federal workforce.

What This Means for Credit Repair and Financial Wellness

As CEO of Credlocity, I see the aftermath of these political games every single day.

After the 2018-2019 shutdown, we had federal workers coming to us with destroyed credit. People who had 750 credit scores before the shutdown found themselves at 620 after missing just two months of payments. And here's the thing—they did everything right. They saved money, paid bills on time, lived responsibly. But you can't plan for the government shutting down for 34 days.

The Credit Score Death Spiral

Here's what happens to federal workers during extended shutdowns:

Week 1-2: Savings and emergency funds get depletedWeek 3-4: First mortgage payment missed (30-day late mark on credit report)Week 5-6: Car payment missed, credit cards start carrying balancesWeek 7-8: Multiple late payments reported, credit score drops 100+ pointsWeek 9+: Collections calls start, financial stress becomes overwhelming

And even when the shutdown ends and back pay arrives? The credit damage is done. Those late payments stay on your credit report for seven years.

Why This Matters Beyond Federal Workers

Even if you're not a federal employee, shutdowns affect you:

  • Interest rates: Your mortgage, car loan, and credit card rates are influenced by federal policy and economic stability. Shutdowns create uncertainty that can affect borrowing costs.

  • Economic growth: $7 billion per week in economic damage affects businesses, employment, and consumer confidence across the entire economy.

  • Credit availability: Lenders become more conservative during economic uncertainty. Getting approved for loans becomes harder.

  • Housing market: Delays in FHA, VA, and USDA loan processing slow down home purchases and refinancing.

What Credlocity Is Doing

We're offering extended consultations for federal workers affected by this shutdown. If you're facing financial hardship because of the shutdown, reach out to us. We can help with:

  • Credit report review and dispute strategies

  • Creditor negotiation guidance

  • Financial planning for extended shutdowns

  • Credit rebuilding after the crisis ends

We've been through this before. We know what works.

The Bottom Line: What Happens Next

It's now past 9:00 PM. In less than three hours, the government shuts down.

Based on everything I'm seeing, there's no last-minute deal coming. Both sides are dug in. Republicans are betting Democrats will cave under public pressure. Democrats are betting Republicans will take the blame. And 900,000 federal workers are about to become pawns in this political chess match.

Here's what I expect to happen:

Tonight: Government shuts down at 12:01 AMWednesday, October 1: Operations affected immediately, furlough notices go outWeekend of October 4-6: First real pressure as Americans see impactsWeek of October 7: House returns to session, political pressure mountsOctober 15: Military pay date at risk—this historically forces actionSometime before Halloween: My guess is we'll see a deal by mid-October

But I could be wrong. The 2018-2019 shutdown lasted 34 days, and that was with a divided Congress. Now one party controls everything but still can't govern effectively.

What You Should Do Right Now

If you're a federal employee:

  1. File for unemployment first thing tomorrow morning

  2. Contact all your creditors tonight or tomorrow

  3. Document everything

  4. Cut unnecessary expenses immediately

  5. Look into military or federal employee relief organizations

If you're not a federal employee:

  1. Check if you need any federal services in the coming weeks

  2. Avoid national parks unless you're prepared for no services

  3. Allow extra time for airport security

  4. Stay informed about when the shutdown ends

Everyone:

  1. Stop spreading misinformation on social media

  2. Demand accountability from your elected representatives

  3. Call Congress: (202) 224-3121

  4. Make your voice heard

A Final Thought

I started Credlocity because I believe everyone deserves financial security and the opportunity to build wealth through good credit. But that's impossible when the government itself creates financial crises for political gain.

This shutdown isn't about fiscal responsibility. It's not about illegal immigration. It's not even really about healthcare policy.

It's about political power and who gets to claim victory in the next news cycle.

Meanwhile, real people suffer real consequences. Federal workers wonder how to feed their families. Military families face deployment without paychecks. Contractors lose income they'll never recover. And the American economy takes another $7 billion hit every week this continues.

We can do better than this. We have to do better than this.

Stay informed. Stay strong. And if you need help navigating the financial fallout from this crisis, you know where to find me.

About the Author:

Joeziel Joey Vazquez-Davila is the CEO of Credlocity, a credit repair and financial wellness company dedicated to helping individuals and families achieve financial freedom. With years of experience helping clients navigate credit challenges, Joey has become an advocate for consumer financial rights and transparent information about credit and debt. Connect with Joey and the Credlocity team at www.credlocity.com.

Credlocity Resources:

Have questions about how the shutdown affects your credit? Contact us: ]📧 Email: Admin@credocity.com 💬 Chat: Available on our website 24/7

Last Updated: September 30, 2025 at 9:45 PM ETGovernment shutdown begins in 2 hours and 15 minutes

Update: Part 2, Part 3

Sources: Congressional Budget Office, Office of Management and Budget, CNN, NBC News, CBS News, ABC News, NPR, The New York Times, Washington Post, FactCheck.org, PolitiFact, National Immigration Law Center, Kaiser Family Foundation, Congressional Research Service, Bipartisan Policy Center.


Disclaimer: This article represents the opinions and analysis of the author based on publicly available information. It is intended for informational purposes only and should not be considered legal, financial, or political advice. For personalized guidance regarding your specific situation, please consult with appropriate professionals.

 
 
Post: Blog2_Post

Credlocity

America's Most Trusted Credit Repair Company

📧 Admin@credlocity.com

📍 1500 Chestnut Street, Suite 2

Philadelphia, PA 19102

Company Info: Credlocity Business Group LLC, formerly Ficostar Credit Services.

Not affiliated with FICO®.FICO® is a trademark of Fair Isaac Corporation.

Legal and Policies

Credit Education

Consumer Protection

Report Fraud:

State Attorney General or local consumer affairs

FTC Complaints:

ftc.gov/complaint

or 1-877-FTC-HELP

Unfair Treatment:

Contact PA Attorney General

IMPORTANT DISCLOSURE

Your Rights: You can dispute credit report errors for free under the Fair Credit Reporting Act (FCRA). Credlocity does not provide legal advice or guarantee removal of verifiable items.

Requirements: Active client participation required. Results may vary. We comply with all federal and state credit repair laws.

TSR Compliance:

Full compliance with CROA and Telemarketing Sales Rule.

© 2025 Credlocity Business Group LLC. All rights reserved.Serving All 50 States from Philadelphia, PA

bottom of page