Why Credlocity's 30-Day FREE Trial + 180-Day Money-Back Guarantee Beats Every Competitor
- Joeziel Vazquez
- Mar 6, 2023
- 21 min read
Updated: Nov 7
By Joeziel Vazquez, CEO & Board Certified Credit Consultant (BCCC, CCSC, CCRS, FCRA Certified Professional)
17 Years Experience | Published: Mar 6, 2023 | Last Updated: November 7, 2025
Reading Time: 22 minutes
The Bottom Line: Most "Guarantees" Are Elaborate Traps
If you're researching credit repair companies, you've probably noticed that almost every competitor advertises a "90-day money-back guarantee." Credit Saint has one. Sky Blue Credit has one. The Credit People have one. They all sound reassuring, don't they?
Here's what they're not telling you: These "guarantees" are carefully designed traps with hidden conditions that make it nearly impossible to actually get your money back.
After 17 years in this industry and helping over 79,000 clients, I've seen thousands of consumers get caught in these guarantee traps. They pay $99-$195 in setup fees, then $79-$139 every month, only to discover 4-6 months later that the "guarantee" was meaningless because of loopholes buried in the fine print.
Credlocity is different, and this article will show you exactly why.
We're the only major credit repair company offering a true 30-day FREE trial (no charges, and yes, you do provide a credit card for after the trial but we send you reminders at 5 days, 3 days, and 1 day before any charge) PLUS a 180-day money-back guarantee with no conditions. The only fees during your trial are paid directly to third parties: your credit report fee (paid to the credit reporting company) and a notary fee to notarize your Limited Power of Attorney so we can talk to credit bureaus on your behalf and receive dispute results directly instead of you having to upload documents or try to interpret bureau responses yourself.
Let me show you how the industry's "guarantees" really work and why ours is the only one you can trust.
The 90-Day Money-Back Guarantee Trap: How It Really Works
I'm going to expose something the credit repair industry desperately doesn't want you to know.
The Setup: How They Hook You
Most credit repair companies follow the same deceptive playbook:
Step 1: The Attractive Advertising
"90-day money-back guarantee!"
"Risk-free credit repair!"
"If we don't improve your credit, get a full refund!"
Sounds great, right? You think: "What do I have to lose? If it doesn't work, I'll just get my money back."
Step 2: The Immediate Charges This is where the trap begins. Most companies charge you immediately:
Setup fee: $79-$195 (paid upfront before any work)
First month: $79-$139 (charged immediately)
Total immediate cost: $158-$334
According to the Credit Repair Organizations Act (CROA), charging upfront fees before services are rendered is actually illegal. But most companies do it anyway by calling it a "setup fee" or "first work fee."
Credlocity's approach: We don't charge setup fees to us. During your 30-day trial, you only pay third-party costs directly: your credit report fee (to the credit reporting company) and notary fee (to notarize your Limited Power of Attorney, which allows us to communicate with bureaus on your behalf and receive dispute results directly so you don't have to upload documents or decipher complex bureau responses). You do provide a credit card for monthly billing after the trial, but we send reminders 5 days, 3 days, and 1 day before charging, and you can adjust your billing date up to twice (5 days each time) or pause service if needed.
Step 3: The Waiting Game Now you wait. And wait. And wait.
Month 1: They're "analyzing your credit report"
Month 2: They're "preparing disputes"
Month 3: They're "waiting for bureau responses"
Month 4: "These things take time"
Meanwhile, they're charging you $79-$139 every single month.
The Trap Springs: Why You Can't Get Your Money Back
Here's where it gets truly predatory. When you finally realize nothing meaningful is happening and try to claim your refund, they hit you with the loopholes:
Loophole #1: "But Something Changed!"
From our recent investigation into Credit Saint, here's what Maria S. experienced:
"Their '90-day guarantee' is a criminal lie designed to trap you past the point where you can get your money back. When I demanded my refund, they said I 'didn't qualify' because one inquiry had fallen off—THE SAME INQUIRY THAT FALLS OFF AUTOMATICALLY AFTER TWO YEARS. This isn't just bad business—this is organized theft."
The scam: Credit inquiries automatically fall off your report after 2 years under FCRA regulations. Companies wait for something—anything—to change on your report naturally, then claim credit for it and deny your refund.
Loophole #2: "You're Past the 90-Day Window"
Most people don't realize the guarantee doesn't work until they've been with the company for 4-6 months. By then, the 90-day window has closed.
The timeline trap:
Day 1-30: You're hopeful, checking your credit constantly
Day 31-60: You're frustrated, starting to ask questions
Day 61-90: You're concerned, but they tell you "give it more time"
Day 91+: You finally realize it's not working and request a refund
Their response: "Sorry, you're past the 90-day window"
By the time you figure out the scam, you've already paid $600-$1,200+ in fees.
Loophole #3: Hidden Conditions in Fine Print
When you actually read the guarantee terms, here's what you find:
Credit Saint's guarantee (typical example):
Only applies if "no items are removed or updated"
Doesn't cover inquiries that naturally fall off
Requires you to maintain service for full 90 days
Excludes "administrative updates"
Subject to "good faith participation"
Translation: They can deny your refund for almost any reason.
Real Victims: Stories From Our Investigation
From our Credit Saint investigation, here's what Jennifer experienced:
The Promise: $99 setup, $130 monthlyThe Reality: Charged $195 immediately, then another $195 seven days laterWhat She Said: "I felt like I was drowning. That extra money wasn't in my budget. I called, texted, emailed—nothing. When I finally got through weeks later, they said it was all in the contract I'd 'agreed to.'"
Total paid over 9 months: $1,247Credit score change: DROPPED 40 points (because they disputed things that shouldn't have been disputed)Refund received: $0 (denied because "one inquiry had fallen off")
This isn't an isolated case. We documented dozens of similar stories in our investigation.
The Industry Standard: A Comparison of Major Competitors
Let me break down exactly what the major credit repair companies are actually offering versus what they advertise:
Credit Saint (The Industry's "Gold Standard")
Advertised: "90-day money-back guarantee"
Reality:
Setup fee: $99-$195 (charged immediately, before any work)
Monthly fee: $79.99-$139.99
Total 90-day cost: $337-$615
Guarantee loopholes: Denied if ANY item changes (even automatic removals)
CROA violation: Charging setup fees before services rendered
What clients report: Per our investigation, systematic denial of refunds based on technicalities
Sky Blue Credit Repair
Advertised: "90-day unconditional money-back guarantee"
Reality:
Setup fee: $79
Monthly fee: $79-$119
Total 90-day cost: $316-$436
Guarantee fine print: "Unconditional" but only for 90 days—after that, you've paid and you're stuck
CROA violation: Upfront setup fees
The Credit People
Advertised: "6-month satisfaction guarantee" + "$19 trial"
Reality:
"Trial" fee: $19 (charged immediately—this isn't actually a trial)
Monthly fee: $99-$119
Setup charges: Applied during "trial"
Guarantee conditions: Only refunds "previous and current month" if no progress
CROA violation: Charging $19 before services begin
Maximum refund possible: Last 2 months only (~$200), even if you paid for 6+ months
The Credit Pros
Advertised: "90-day money-back guarantee"
Reality:
Setup fee: $119
Monthly fee: $79-$149
Total 90-day cost: $356-$566
Guarantee condition: "If nothing changes on your report"—but credit reports change naturally all the time
CROA violation: Upfront setup fees
What They All Have in Common
Every major competitor:
Charges upfront fees (violating CROA regulations)
Uses conditional guarantees with loopholes
Limits refund windows to 90 days
Denies refunds based on technicalities
Costs $300-$600+ during "guarantee period"
Why Credlocity's Guarantee Is Different: The Only TRUE Risk-Free Option
After exposing how our competitors trap consumers, let me show you what ethical, CROA-compliant credit repair looks like.
Our 30-Day FREE Trial: Actually Free
Here's what "FREE" means at Credlocity:
✅ No charges to Credlocity for 30 days✅ Only third-party costs: Credit report fee (paid to credit reporting company) + notary fee (for your Limited Power of Attorney)✅ Full service included from day one✅ Credit card on file for billing after trial (but we send reminders at 5, 3, and 1 day before any charge)✅ Cancel anytime during trial with zero cost to us
The Limited Power of Attorney gets notarized so we can talk directly to credit bureaus on your behalf and receive dispute results for you. This saves you from having to upload documents to our system or try to understand complex credit bureau responses. We handle that communication directly.
During your free trial, you receive:
Complete credit report analysis
Dispute letter preparation and filing
Monthly one-on-one meeting with your Board Certified consultant
Budgeting assistance
Mobile app access to track progress
Real-time updates on bureau responses
If you're not satisfied after 30 days, you've paid us exactly $0.00. You only paid for your credit report and notary (third parties, not us).
No other major credit repair company offers this. Not one.
Our 180-Day Money-Back Guarantee: No Loopholes
After your free trial, our guarantee continues, and it's the best in the industry:
If you're not satisfied with our service within 180 days, you get 100% of your money back. Period.
No conditions. No "if something changed" excuses. No time limit traps like competitors use.
Our guarantee terms:
✅ Request refund within 180 days of service
✅ No requirement to prove "nothing changed"
✅ Six full months to evaluate our service (competitors give you 90 days)
✅ Full refund of all fees paid to Credlocity
✅ No questions asked
This is the guarantee difference: We're not looking for loopholes to deny your refund. We're working to earn your continued business every single month.
The Credlocity Difference: What Makes Us Worth Choosing
Beyond our industry-leading guarantees, here's why over 79,000 clients have trusted us with their credit repair:
Board Certified Credit Consultants
Most credit repair companies hire salespeople with minimal training. Credlocity employs Board Certified Credit Consultants with credentials including:
BCCC (Board Certified Credit Consultant)
CCSC (Certified Credit Score Consultant)
CCRS (Certified Credit Repair Specialist)
What this means for you: Your consultant actually understands federal credit laws, credit bureau procedures, and effective dispute strategies—not just sales scripts.
Monthly One-on-One Meetings (Included in All Plans)
While competitors limit contact to email tickets and automated responses, every Credlocity client receives monthly one-on-one meetings with their dedicated consultant.
In these meetings, we:
Review your credit report changes
Discuss dispute strategies
Answer your questions in real-time
Adjust approach based on results
Provide personalized guidance
Competitor comparison: Most companies charge extra for phone consultations or don't offer them at all.
Monthly Budgeting Assistance (Included)
Credit repair isn't just about removing negative items—it's about building financial health for the long term.
Every Credlocity client receives:
Monthly budget review and optimization
Spending analysis
Debt paydown strategies
Savings recommendations
Financial goal planning
Included in all plans at no extra charge.
Competitor comparison: Most companies focus only on disputes and ignore the financial habits that led to credit problems.
Real-Time Mobile App Access
While competitors send monthly email updates (if you're lucky), Credlocity provides a mobile app where you can:
✅ Track every dispute in real-time✅ View bureau responses immediately✅ Upload documents instantly✅ Message your consultant 24/7✅ Monitor score changes✅ Access all correspondence
Transparency is built into our service—you see everything we're doing, exactly when we're doing it.
17 Years of Proven Results
Since 2008, Credlocity has:
Served 79,000+ clients nationwide
Deleted $3.8 million+ in unverified debt from credit reports
Maintained A+ Better Business Bureau rating
Pioneered CROA-compliant credit repair practices
Advocated for consumer protection in the credit industry
Competitor comparison: Many "credit repair" companies are actually 2-3 year old operations with minimal experience and questionable practices.
Minority-Owned, Community-Focused
Credlocity is:
Hispanic-owned
Women-owned
LGBTQAI+-owned
Philadelphia-based, serving nationwide
We understand the unique challenges facing underserved communities and provide culturally-competent, accessible credit repair services.
Full Legal Compliance
Unlike our competitors who violate CROA with upfront fees, Credlocity follows every federal regulation:
✅ CROA compliant: No charges to us during 30-day trial, only third-party fees you pay directly✅ FCRA compliant: Proper dispute procedures✅ ECOA compliant: Non-discriminatory practices✅ Transparent pricing: No hidden fees, reminders before any charge✅ Written contracts: All terms clearly disclosed✅ Flexible billing: Adjust payment dates twice (up to 5 days each) or pause service
Understanding federal credit laws and your rights is the foundation of effective credit repair.
The Real Cost Comparison: First 6 Months
Let me show you exactly what you'll pay with each company over the first 6 months—the period when most people realize whether credit repair is working:
Credit Saint
Setup fee: $195
Monthly (6 months): $139.99 × 6 = $839.94
Total 6-month cost: $1,034.94
Refund if unsatisfied after 6 months: $0 (past 90-day window)
Sky Blue Credit
Setup fee: $79
Monthly (6 months): $119 × 6 = $714
Total 6-month cost: $793
Refund if unsatisfied after 6 months: $0 (past 90-day window)
The Credit People
Trial fee: $19
Monthly (6 months): $119 × 6 = $714
Total 6-month cost: $733
Refund if unsatisfied after 6 months: $238 (last 2 months only)
The Credit Pros
Setup fee: $119
Monthly (6 months): $149 × 6 = $894
Total 6-month cost: $1,013
Refund if unsatisfied after 6 months: $0 (past 90-day window)
Credlocity
30-day free trial: $0 to us (only credit report + notary fees to third parties)
Monthly (5 months after trial): $149.95 × 5 = $749.75
Total 6-month cost to Credlocity: $749.75
Refund if unsatisfied after 6 months: $749.75 (180-day money-back guarantee, full refund)
Third-party costs (not refundable as paid to other companies): ~$89.90 for credit report and notarization
Credlocity savings compared to competitors: $238-$539 over 6 months
Plus: You can actually get your money back if you're not satisfied, and you get 180 days to decide instead of just 90.
What Credit Repair Companies CANNOT Do (No Matter What They Promise)
Before we go further, let me be absolutely clear about something the Credit Repair Organizations Act requires me to tell you:
No Company Can Guarantee Specific Results
Any company that promises:
❌ "We'll increase your score by 100 points"
❌ "We'll remove all negative items"
❌ "Guaranteed bankruptcy removal"
❌ "We'll get you a 700+ score"
Is violating federal law and lying to you.
Credit repair works by identifying and disputing inaccurate, unverifiable, or unfair items on your credit report. Under the Fair Credit Reporting Act (FCRA), credit bureaus must investigate disputes and remove items they cannot verify.
However:
We cannot remove accurate negative information
We cannot guarantee specific score increases
We cannot predict exact timeframes
Results vary based on individual circumstances
What we CAN do:
Identify errors and inconsistencies
File professional disputes on your behalf
Navigate complex federal credit laws
Provide expert guidance on credit building
Offer month-to-month service with no long-term contracts
You Can Do Credit Repair Yourself for Free
The CROA also requires me to tell you: You have the legal right to dispute credit report errors yourself at no cost.
You can:
Request free credit reports at AnnualCreditReport.com
Write dispute letters to credit bureaus
Contact creditors directly
File complaints with the CFPB
So why hire Credlocity?
The same reason you hire an attorney instead of representing yourself in court or hire a tax professional instead of doing complex taxes yourself: expertise, efficiency, and effectiveness.
Our Board Certified consultants know:
Which disputes have the highest success rates
How to word letters for maximum impact
When to escalate to creditor intervention
How to navigate bureau stall tactics
Which federal laws apply to your situation
We save you months of trial and error, frustration, and mistakes that could actually harm your credit.
Red Flags: How to Spot Credit Repair Scams
Based on our investigations into credit repair fraud, here are the warning signs that a company may be operating illegally or unethically:
🚩 Red Flag #1: Upfront Fees Before Service
The Scam: Companies charge "setup fees," "first work fees," or "analysis fees" before doing any actual work on your credit.
The Law: The Credit Repair Organizations Act explicitly prohibits charging fees before services are "fully performed."
Why It's Illegal: This protects consumers from paying for services they never receive.
Companies violating this: Credit Saint ($99-$195 setup), Sky Blue ($79 setup), The Credit Pros ($119 setup), The Credit People ($19 "trial")
Credlocity's approach: True 30-day free trial—no charges until after service begins
🚩 Red Flag #2: Conditional or Time-Limited Guarantees
The Scam: "90-day money-back guarantee if nothing changes" or "satisfaction guarantee for first 90 days only"
The Reality: These conditions create loopholes that allow companies to deny refunds based on technicalities.
Companies using this tactic: Nearly all major competitors
Credlocity's approach: 100% money-back guarantee, within 180 days, no conditions
🚩 Red Flag #3: Promises of Specific Score Increases
The Scam: "We'll raise your score 100 points in 30 days!" or "Guaranteed 700+ credit score"
The Law: Promising specific results violates CROA and is considered deceptive advertising.
Why It's Impossible: Credit scores depend on numerous factors beyond anyone's control, including credit bureau algorithms, creditor reporting practices, and your personal financial behavior.
Credlocity's approach: We explain what we can and cannot do, never promise specific score increases
🚩 Red Flag #4: Suggesting You Dispute Accurate Information
The Scam: Companies tell you to dispute negative items you know are accurate, hoping creditors won't respond.
The Law: Deliberately disputing accurate information is illegal under federal law.
The Risk: You could face criminal charges for making false statements to credit bureaus or creditors. Read our warnings about practices that lead to federal prison.
Credlocity's approach: We only dispute items that are inaccurate, unverifiable, or unfair
🚩 Red Flag #5: Creating New Credit Identities
The Scam: Companies offer "CPNs" (Credit Privacy Numbers) or suggest you obtain an EIN to create a new credit identity.
The Law: CPNs are a federal crime. They're either made-up numbers (fraud) or stolen Social Security Numbers (identity theft).
The Risk: Up to 30 years in federal prison. Read the full investigation into CPN fraud.
Credlocity's approach: We never, ever suggest illegal tactics
🚩 Red Flag #6: No Licensed Office or Physical Location
The Scam: Companies operate entirely online with no verifiable physical address or state business license.
The Risk: When problems arise, you have no recourse. Many are fly-by-night operations that disappear with your money.
Credlocity's difference: Established Philadelphia office since 2008, proper business licensing, member of industry associations
🚩 Red Flag #7: Pressure to Sign Long-Term Contracts
The Scam: Companies lock you into 6-12 month contracts with hefty cancellation fees.
The Law: While not explicitly illegal, this practice traps consumers who realize the service isn't working.
Credlocity's approach: Month-to-month service, cancel anytime with no penalties
How to Choose a Credit Repair Company: The Checklist
If you're comparing credit repair companies, use this checklist to evaluate your options:
✅ Legal Compliance
No upfront fees (CROA requirement)
Written contract provided
Three-day cancellation right disclosed
Doesn't promise specific results
Proper business licensing
Transparent about limitations
✅ Guarantee Quality
Unconditional money-back guarantee (not "if nothing changes")
No time restrictions (not just 90 days)
Clear refund process
No hidden conditions in fine print
✅ Service Quality
Board Certified or licensed consultants
Direct access to your consultant
Regular progress updates
Transparent tracking system
Educational resources provided
✅ Pricing Transparency
Clear monthly pricing
No hidden fees
No setup charges
No cancellation penalties
No long-term contracts required
✅ Company Reputation
BBB accreditation and rating
Years in business (5+ minimum)
Verifiable client testimonials
No FTC enforcement actions
Positive industry standing
✅ Additional Services
Budgeting assistance
Credit education
Mobile app access
Identity theft support
Creditor intervention when needed
How Credlocity scores: We check every box. Our competitors? They fail on the first two (legal compliance and guarantee quality).
Real Client Success Stories: What Results Actually Look Like
While we can't guarantee specific results, here's what our clients have experienced (with their permission to share):
Michael T., Philadelphia, PA
Starting situation: 542 credit score, $12,400 in collections, 3 charge-offsAfter 5 months with Credlocity: 681 credit score, $8,200 in collections removed, 2 charge-offs deletedWhat he said: "The monthly meetings made all the difference. My consultant explained every step, taught me about budgeting, and I actually understood what was happening with my credit. Other companies just sent form emails."
Sarah L., Denver, CO
Starting situation: Identity theft victim, 19 fraudulent accounts on report, 520 credit scoreAfter 7 months with Credlocity: All 19 fraudulent accounts removed, 705 credit scoreWhat she said: "I tried Credit Saint first—paid them for 4 months and saw zero progress. They kept saying 'be patient.' Credlocity had three accounts removed in the first month alone. The difference was night and day."
James W., Atlanta, GA
Starting situation: Medical collections ($23,500), late payments from hospital billing errorsAfter 6 months with Credlocity: $19,800 in medical debt removed, 592 to 658 score increaseWhat he said: "The free trial let me see they were legitimate before I paid anything. After what I'd heard about other companies, that made all the difference in my decision to trust them."
Results Disclaimer
Individual results vary based on specific credit situations. These examples represent real client experiences but are not typical or guaranteed results. Credit repair success depends on the nature of negative items, creditor cooperation, and individual financial circumstances.
Frequently Asked Questions
Q: Why is Credlocity's free trial actually free when others charge $19-$99?
A: Because we're confident in our service and we comply with CROA regulations. Most companies charge "setup fees" to generate immediate revenue even if clients cancel. That's a violation of federal law that prohibits charging before services are rendered.
Our 30-day free trial means no charges to Credlocity. You do pay third-party costs directly (credit report fee to the credit reporting company, and notary fee to notarize your Limited Power of Attorney). The notarization allows us to communicate with credit bureaus on your behalf and receive dispute results directly, which saves you from uploading documents or trying to understand complex bureau responses. You also provide a credit card for monthly billing after the trial, but we send you reminders 5 days, 3 days, and 1 day before any charge, and you can adjust billing dates twice (up to 5 days each time) or pause service if needed.
Q: How can you offer a 180-day money-back guarantee when competitors only offer 90 days?
A: Because we work to earn your business every single month. Competitors use 90-day windows as a trap. By the time people realize the service isn't working (usually 4-6 months), they're past the refund window. We give you a full 180 days (six months) to evaluate our service. If you're not satisfied, we want you to feel comfortable requesting a refund, not trapped by loopholes or short time limits. This guarantee forces us to deliver real value constantly, which is exactly how ethical credit repair should work.
Q: What makes Board Certified consultants different from regular credit repair specialists?
A: Board Certified Credit Consultants (BCCC, CCSC, CCRS) have passed rigorous examinations on federal credit laws including FCRA, CROA, ECOA, and FDCPA. They understand credit bureau procedures, legal dispute strategies, and proper compliance requirements. Most competitors hire salespeople with minimal training—we hire experts with professional credentials.
Q: Can I really cancel anytime with no penalties?
A: Yes. We offer month-to-month service with no long-term contracts. If you decide credit repair isn't right for you or you're not satisfied with our service, simply cancel and you won't be charged for the next month. No cancellation fees, no penalties, no pressure to stay.
Q: Do I still get monthly one-on-one meetings during the free trial?
A: Absolutely. The free trial includes every service we offer: credit analysis, dispute preparation and filing, monthly one-on-one meeting with your Board Certified consultant, budgeting assistance, and mobile app access. You experience the full Credlocity service before paying anything.
Q: How long does credit repair typically take?
A: Under the Fair Credit Reporting Act, credit bureaus have 30-45 days to investigate disputes. Most clients see initial results within the first 30-60 days, with continued improvement over 3-6 months. However, timelines vary based on the complexity of your credit situation and how quickly bureaus and creditors respond.
Q: What if I tried another company and they didn't help?
A: We frequently work with clients who had bad experiences with other credit repair companies. Many come to us after being trapped by conditional guarantees, charged excessive fees, or saw no real progress. Our investigation into Credit Saint documents these common problems. Start with our free trial—see the difference professional, ethical credit repair makes before paying anything.
Q: Are you really the only company with a true free trial?
A: Among major, established credit repair companies, yes. Some companies advertise "$19 trials" but that's not free—that's a charge before service. Others offer "free consultations" but charge immediately when you sign up. Credlocity's 30-day free trial means exactly that: 30 days of full service with zero charges, zero credit card required.
Q: How do I know you won't deny my refund like other companies?
A: Our guarantee has no conditions: no "if nothing changes," no "must complete 90 days," no technicalities. We process refund requests without looking for loopholes to deny them. Additionally, we're a Pennsylvania-licensed business with 17 years of operation and an A+ BBB rating—we have a reputation to protect.
Q: Can credit repair really work, or is it all a scam?
A: Legitimate credit repair works when there are actual errors, unverifiable items, or unfair reporting on your credit report. Under federal law, credit bureaus must investigate disputes and remove items they cannot verify. The scam isn't credit repair itself—it's companies that charge upfront fees, make false promises, and use conditional guarantees to trap consumers. That's why understanding your rights under federal credit laws is so important.
Q: Do you help with credit education and financial planning?
A: Yes. Every client receives monthly budgeting assistance, credit education, and financial planning guidance as part of our service (included in all plans). We believe fixing your credit report is only part of the solution—you also need to build healthy financial habits to maintain good credit long-term.
Q: What if I have a complex situation like identity theft or mixed files?
A: Our Board Certified consultants have extensive experience with complex credit situations including identity theft, mixed credit files, divorce-related credit issues, medical debt, student loan disputes, and bankruptcy reporting errors. During your free trial, we'll analyze your specific situation and develop a customized strategy.
Take the First Step: Start Your Free Trial Today
You've seen how other companies trap consumers with conditional guarantees, hidden fees, and loopholes.
You've seen how Credlocity is different: true free trial, 100% money-back guarantee, Board Certified consultants, and full transparency.
Now it's time to experience the difference yourself.
Here's What Happens Next:
1. Sign up for your free trialProvide your credit card for monthly billing after the trial (we send reminders 5, 3, and 1 day before any charge). Pay only third-party costs directly: credit report fee and notary fee for your Limited Power of Attorney.
2. Get Your Credit Report and Notarize POAYou'll obtain your credit report from the credit reporting company and get your Limited Power of Attorney notarized. This allows us to communicate with bureaus on your behalf and receive dispute results directly, so you don't have to upload documents or interpret complex responses.
3. Complete Credit AnalysisYour Board Certified consultant reviews your credit reports from all three bureaus and identifies opportunities for improvement.
4. First Monthly MeetingWithin your first week, meet with your consultant to discuss your credit situation, goals, and customized strategy.
5. Dispute Preparation and FilingWe prepare professional dispute letters and file them with credit bureaus on your behalf.
6. Real-Time TrackingUse our mobile app to see every action we take, every bureau response, and track your progress.
7. Monthly Updates and SupportContinue with monthly one-on-one meetings, budgeting assistance, and strategy adjustments.
8. Decide After 30 DaysIf you're satisfied with our service, continue for just $99/month (with reminders before each charge and ability to adjust billing dates or pause). If not, you've paid us $0 and learned valuable information about your credit. You have 180 days from when you start paying to request a full refund if you're not satisfied.
Contact Information
Ready to fix your credit the right way?
📧 Email: admin@credlocity.com🌐 Sign up: https://www.credlocity.com/letsstart📱 Download our app: Track your credit repair progress in real-time
We serve clients nationwide from our Philadelphia headquarters.
Conclusion: Why Risk-Free Really Means Risk-Free
After 17 years in this industry and helping over 79,000 clients, I've seen every credit repair scam, every deceptive guarantee, and every way companies trap desperate consumers.
That's exactly why we built Credlocity differently.
Our 30-day free trial isn't a marketing gimmick. It's our commitment to earning your trust before asking for your money. Yes, you provide a credit card for billing after the trial, but we send you reminders at 5, 3, and 1 day before any charge so you're never surprised. You can adjust your billing date twice (up to 5 days each time) or pause service if needed. The only costs during your trial go directly to third parties: your credit report and the notary for your Limited Power of Attorney (which lets us handle bureau communications for you).
Our 180-day money-back guarantee isn't filled with loopholes. It's our promise that you'll be satisfied or get every penny back. Competitors give you 90 days and fill their guarantees with conditions. We give you six full months and no excuses.
Most importantly, our Board Certified consultants, monthly meetings, budgeting assistance, and transparent app access aren't extras. They're included in every plan because that's what ethical, effective credit repair looks like.
You don't have to risk $300-$600 hoping a company will actually help you.
Try Credlocity for free. See the difference professional expertise makes. Experience what credit repair should be.
No charges to us. Reminders before billing. No traps. Just honest credit repair from a company that's been doing this right since 2008.
Legal Disclaimers
This article is for educational purposes only and does not constitute legal or financial advice. Consumers have the right to dispute inaccurate information on their credit reports themselves at no cost. Credlocity provides professional assistance with this process but cannot guarantee specific results or score increases.
Credit repair results vary based on individual circumstances, the nature of negative items, creditor cooperation, and compliance with dispute requirements. For more information about your rights under federal credit laws, visit our resource center.
Sources and References
Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq.
Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq.
Equal Credit Opportunity Act (ECOA), 15 U.S.C. § 1691 et seq.
Federal Trade Commission. "Credit Repair: How To Help Yourself." https://www.ftc.gov/credit-repair
Consumer Financial Protection Bureau. "What should I know about credit repair services?" https://www.consumerfinance.gov/
Better Business Bureau. "Credit Repair Services: Tips for Consumers." https://www.bbb.org/
Vazquez, Joeziel. "Credit Saint Reviews: 7-Day Investigation Reveals Systematic Fraud." Credlocity, November 2025.
Vazquez, Joeziel. "The Reality of Bad Credit and How to Avoid Being a Felon and Sentenced to Federal Prison." Credlocity, 2025.
Federal Reserve Board. "Report to Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit." 2007.
U.S. Government Accountability Office. "Credit Cards: Fair Debt Collection Practices Act Could Better Reflect the Evolving Debt Collection Marketplace." 2016.
"Understanding Federal Credit Laws and Your Rights." Credlocity Resource Center.
About the Author
Joeziel Vazquez is the CEO and Founder of Credlocity, established in 2008. He holds professional certifications including Board Certified Credit Consultant (BCCC), Certified Credit Score Consultant (CCSC), Certified Credit Repair Specialist (CCRS), and FCRA Certified Professional. With 17 years of experience, Joeziel has served over 79,000 clients and deleted $3.8 million in unverified debt from credit reports.
Joeziel is a nationally recognized credit repair and fintech expert, educator, and thought leader. He has contributed insights to major financial discussions, published articles on Medium, and provided commentary on consumer finance and regulatory issues. His expertise in federal credit laws and commitment to consumer protection makes him a trusted voice in the credit repair industry.
Connect with Joeziel on LinkedIn or email admin@credlocity.com for media inquiries.
