The Ninja Files Part 3: The CreditFixxr Infiltration — How to Steal a Software Company in 90 Days

An Investigation by Joeziel Vazquez

CEO & Board Certified Credit Consultant (BCCC, CCSC, CCRS)

17 Years Experience

Published: March 2026

Reading Time: Approximately 45 minutes

[EDITOR'S NOTE: Parts 3 through 6 of this investigation continue regardless of cease and desist letters, legal posturing, or the carefully managed silence from individuals who know exactly what they did. Part 2 documented how Devin Shaw perfected the con before anyone knew his name. Part 3 documents what happened when Jeff Inniss and Lucia Corral turned that perfected playbook on a software company one man spent two and a half years building from nothing. This installment also introduces a second witness who is done staying quiet: Ashley Deal, the credit repair professional Jeff and Lucia have been publicly claiming they built. She has something to say about that. So does Rafael Molina, a key figure at MyFreeScoreNow, who told a woman reporting Jeff's physical intimidation of females at industry events that it sounded like "a police and husband matter." That is coming in Part 4. First, Khabir.]

The Computer Screen in Texas

Picture it.

You have flown to Texas to meet your business partners. People you brought into your company. People you trusted. You sit down at their computer to pull up your own Stripe account, your own finances, your own business, and their account is still logged in.

You see the number.

You do not say anything.

You just sit there, in their house, looking at proof that the people who told you they were making $50,000 a month had actually made less than $100,000 for the entire year.

Not $600,000. Not $50,000 a month. Under $100,000 for twelve full months of operation.

Closer to $4,000 a month.

You have been lied to. Not by a rounding error. Not by a misunderstanding. Not by optimistic projection. By a factor of twelve. A lie so large it required genuine confidence to maintain. The kind of confidence that only works if the person being deceived never gets close enough to see the receipts.

Khabir got close enough.

He did not confront them in that moment. He absorbed the number quietly, in their house, in Texas, and flew home carrying the weight of what he now knew.

This is where Part 3 begins. Not at the beginning, but at the moment everything became undeniable.

Now let me take you back to how we got there.

Two and a Half Years

Late 2018. Most people in the credit repair space had never heard of GoHighLevel. Khabir was already building on it.

Not sketching. Not experimenting. Building the way people build when they have a vision they cannot stop thinking about and the technical skill to bring it to life. A software platform designed for credit repair companies from the ground up: dispute management, client tracking, automated workflows, everything a credit repair business needs to operate professionally, unified in a single system.

He called it CreditFixxr.

"Took me about two and a half years to finish," he told me.

Two and a half years. Thirty months of nights and weekends and debugging sessions and starting over when something did not work. That is the kind of labor that creates ownership in a way that goes beyond legal title. The kind that lives in your hands and your memory and your sleep-deprived decisions at 2am when you are still trying to get a workflow to fire correctly.

August 2022. He launched officially.

He ran it alone. Built a user base from nothing. By the time our story starts, he was at 790 active users: real subscribers, real recurring revenue, real proof that what he had built had value in the market. Seven hundred and ninety people who chose his platform, trusted it with their business operations, and paid for it month after month because it worked.

Then a woman named Keliah found him.

She ran a YouTube channel with genuine reach in the credit repair space. She interviewed Khabir, and a few months later she reached back out with more than content in mind. She was interested in the company itself. Interested in helping grow it.

Khabir brought her in as COO. He gave her 5% equity outright as a good-faith gesture, with another 5% contingent on completing her investment commitment.

"Business with Keliah was good," he told me. "We were meeting every day, putting in the work. She was not a technical person, but that was not her role. That was my role. We had an overall good relationship. Great banter and laughs."

That is the baseline. A founder who spent two and a half years building something real. A productive COO with genuine industry reach. Seven hundred ninety active users. A business moving in the right direction.

Around February 28, 2024, Jeff Inniss called.

"I Like What You're Doing"

The approach was smooth. Effortless.

Jeff told Khabir he liked what he was doing with CreditFixxr. Said he and Lucia had just shut down their previous venture, Credit Academy 411, sometimes shortened to Credit411, and were looking at where to focus next. He had seen the platform. He saw potential. He wanted in.

He pitched a partnership.

Khabir was measured. He did not want to dilute his equity further. He had been deliberate about ownership structure since day one. He proposed a share arrangement instead of an equity stake. Jeff and Lucia agreed without pushback.

The credentials they brought sounded exactly right. Industry experience. Established relationships. Lucia positioned as a consumer law and Metro 2 expert, the same positioning she had used when approaching Vivi Campbell's operation in 2023, though Khabir had no way of knowing that history. Jeff as the closer: the dealmaker who would bring clients in and negotiate contracts. If you have read about the credit repair scams that have plagued this industry, you know this combination of roles is a classic setup.

But the credential that clinched it was not a certification or a relationship. It was a revenue figure.

Jeff and Lucia told Khabir they had been generating $50,000 per month with Credit411.

Fifty thousand dollars a month. Six hundred thousand dollars annually. From a business they were walking away from to come work with him.

Think about what that number communicated in the room. It said they did not need him. They were choosing him. They had already proven they could build something that generates real money, and now they wanted to bring that energy to CreditFixxr. They were not desperate partners looking for a lifeboat. They were successful operators selecting the right next opportunity.

Khabir believed them.

He brought them in.

The clock started.

The Whispering Starts

Jeff and Lucia joined in late February 2024. By March, something had shifted.

Not dramatically. Not in a way you would register immediately from inside it. More like a change in temperature, subtle enough that you rationalize it rather than name it.

Keliah was the first thing that changed.

"During group conversations, Lucia and Keliah would throw shots at each other," Khabir told me. "There were times where Lucia would reach out to me after meetings and say that Keliah was not doing anything. Things like 'Keliah is not doing what she should be doing.' Or 'That's on Keliah.'"

No documentation. No performance metrics. No specific, verifiable examples of failure. Just Lucia's voice in Khabir's ear: consistently, persistently, after every meeting, building a quiet case against a woman who had been showing up every single day for nearly a year.

"Jeff and Lucia were very adamant in saying that they did not need Keliah."

This was not the scorched-earth defamation they deployed against Vivi Campbell in Part 1, where they accused her of doing illegal things and told clients her work ethic was terrible. This was quieter. A slow drip of insinuation. A comment here. A sigh there. A consistent framing of Keliah as the friction in what could otherwise be a smooth machine.

It did not need to be loud. It just needed to be consistent.

Keliah left. No dramatic confrontation. No formal dispute. Just the gradual erosion of a founder's confidence in his COO, engineered by two people who had been inside the building for a matter of weeks.

With Keliah gone, Jeff and Lucia had exactly what they needed. A founder who trusted them. A platform they had not built. A user base they had not earned. And no internal voice left to complicate the story they were telling.

The room was clear.

Now came the access.

The Keys to the Kingdom

Here is the moment that should make every software founder reading this feel it in their chest.

Jeff Inniss became the acting CEO of CreditFixxr.

His pitch for the role, per Khabir: "He said he was really good at this and he would do a good job."

With that title came administrative access to the Stripe account.

Not read-only. Not limited visibility. Full admin. Including the ability to export customer data.

Stripe is where everything lives in a subscription software business. Every subscriber's billing information. Every recurring charge. Every name, every email, every subscription tier, every payment history. A complete map of a software company's entire financial relationship with its user base, downloadable, exportable, and transferable to whoever holds the admin credentials.

Jeff held them.

"Only the CEO controlled the finances," Khabir told me. "Jeff took over the Stripe account as an admin with the ability to export customer data."

At Mustard, documented in Part 2 of this investigation, Devin Shaw used GoHighLevel's snapshot feature to copy the entire operational infrastructure before announcing his departure. The tools were different. The strategic logic was identical: get inside the financial architecture of someone else's business, establish full administrative control, and position yourself to harvest it when the moment is right.

The moment was not yet. But the access was in place.

All they had to do now was keep Khabir from noticing what was happening until it was too late to stop it.

Four Months In: The Promises Start Expiring

About four months into the partnership, Khabir started doing the math.

Not financial math. Promise math.

Jeff and Lucia had committed to migrating their Credit411 user base to CreditFixxr. Those users had not come. They had committed to producing educational content: training videos, e-books, and mentorship materials that would transform CreditFixxr from a software tool into a genuine learning ecosystem. Four months in, none of it existed.

"My expectation was that they were going to bring a lot of training and video material and e-books," Khabir told me. "And it never materialized."

The Credit411 users they had promised to bring over? Also never materialized.

What had materialized: their access. Their administrative control over the Stripe account. Their visibility into the entire user base and the company's financial infrastructure.

What had not materialized: anything they actually promised to deliver.

"When I realized their inability to execute," Khabir said, pausing to find the right words, "they were just dragging me along."

Every month that passed without the promised content, without the promised users, without the promised execution meant Khabir's business was losing momentum while he carried partners who were not performing. Partners who also happened to have admin access to everything he had built.

He was being drained.

Behind his back, the next phase was already running.

"The Software Is Breaking"

Khabir found out the way founders always find out about defamation campaigns against their own products. A user honest enough to tell him what they had been hearing reached out.

They told him Jeff and Lucia had been saying the software was breaking.

Not that there had been a bug being fixed. Not that there was a performance issue under investigation. The software was breaking. An ongoing, worsening structural failure of the platform Khabir had spent two and a half years building.

This framing is surgically precise. If you want to move users off a platform, you do not always need to build a competing product first. You just need to make the current product untrustworthy. You need people to hear, from someone who seems to be inside the operation: the software is breaking.

Two witnesses, Moe The Closer and Isaiah Madess, overheard Jeff say it directly. That they were no longer using CreditFixxr. Because it was breaking.

CreditFixxr was not breaking.

But by the time the truth did not matter anymore, the damage was accumulating.

790 users.

The number was moving in the wrong direction.

The MFSN Call: A Slip That Revealed Everything

There is a moment in every serious investigation where something happens in real time. Not in a screenshot. Not in a document. Not reconstructed from memory weeks later. But live, on a call, with multiple people listening, unrepeatable and unretractable.

This is that moment.

Khabir had been building toward a partnership with MyFreeScoreNow, the credit monitoring platform with significant influence throughout the credit repair industry. He had connected through Rafael, one of MFSN's key figures. Bruce Cornelius, MFSN's founder, was involved in the discussions. JWill and others from the MFSN team were on the calls.

Lucia had positioned herself as the bridge. She had the relationship with Rafael. She brokered the meetings. She was the reason CreditFixxr was getting this access.

Everyone was on the call. Bruce. Rafael. JWill. Khabir. Jeff. Lucia.

And then Rafael asked a question.

"Is this for the Ninja Automations meetings or..."

He caught himself. Or tried to. The question was already out, already heard by everyone on the line.

Lucia moved fast. "No no no no no. This is strictly for CreditFixxr."

Five no's. The kind of rapid correction that happens when someone is trying to overwrite what was just said before anyone has time to process it.

Khabir had time.

"I immediately started to feel that they were doing stuff behind the scenes," he told me.

Rafael's slip was not a random mistake. You do not confuse meeting contexts with business partners unless those contexts are legitimately overlapping in your calendar. The most natural explanation, the one Khabir arrived at in real time while sitting on that call, is that Jeff and Lucia were simultaneously negotiating with MFSN on behalf of their own Ninja operation while also using Khabir's CreditFixxr platform relationship as a vehicle to get into those rooms.

They were using his credibility, his existing relationship with MFSN, his invitation to that call, to build connections for their own competing operation.

Lucia's five no's were not a correction of a misunderstanding.

They were damage control.

And they were too late.

The Screen in Texas

Now we are back to the moment this story started.

Khabir traveled to Texas. At some point he needed to access his Stripe account. He sat down at their computer.

Their Stripe account was still logged in.

He saw it.

The total revenue for the entire year, their full annual gross from Credit411, the business they had told him was generating $50,000 a month, was under $100,000.

Not $600,000. Not $50,000 a month. Under $100,000 for the full year.

Closer to $4,000 a month.

He said nothing. He absorbed it. He filed it away in the part of the mind where you put things too large to react to in the moment.

He flew home with a question he already knew the answer to. If they lied about this, if they inflated their revenue by a factor of twelve to get inside his company, what else had they lied about?

The Exit: "Lucia's Brother Has Cancer"

Then came the call.

Lucia's brother was sick. Cancer. Serious enough that the family needed her in Arkansas and there was no one else who could go. Jeff would go with her. They were leaving immediately.

They told Khabir, specifically, that they were giving up their shares.

The partnership was over. The family needed them. Nothing could be done.

Khabir absorbed this too. A family emergency is a family emergency. You do not interrogate grief. You do not demand documentation of a cancer diagnosis before accepting that someone is leaving.

They left.

One week later, Jeff Inniss and Lucia Corral appeared at a tax conference.

With logos.

New brands, fully designed. Ninja Automations. 411. Ready to present, ready to network, ready to operate.

Not grieving. Not in Arkansas at a bedside. At a professional industry event, presenting new businesses, shaking hands, moving forward, seven days after an emergency so serious it had made honoring their obligations to Khabir impossible.

I will not speculate on the medical details of Lucia's brother. What I will say is this:

Devin Shaw sent his crying video about leaving Mustard after the GoHighLevel snapshot was already taken. Jeff and Lucia announced a family emergency one week before appearing at a tax conference with new brand logos.

The grief, in both cases, had an expiration date.

It expired exactly when the next operation was ready to launch.

What Keliah Knew

Khabir had not spoken to Keliah since everything fell apart. He had not reached out. She was gone, pushed out by the whisper campaign, and there was nothing clean or easy about reopening that chapter.

But on October 28, 2025, Keliah sent him a message.

No warning. No preamble. Just a woman who had been shoved out of a company, watching from a distance as every single thing she had feared played out exactly as she knew it would.

"Not gonna do a lot of small talk. I told you not to trust those fucking people. You can still survive the chaos. You have to hit the pain points and know where to strategically pivot. I don't watch your content so I don't know if you talked about this or not, but you do have an advantage."

I told you not to trust those fucking people.

She had known. Before Khabir ever sat down at that computer in Texas. Before the educational content never appeared. Before the software is breaking started circulating. Before the family emergency that lasted exactly one week. Keliah had read Jeff and Lucia from the beginning, and had been systematically undermined and pushed out of the company precisely because of it.

The woman Jeff and Lucia worked hardest to remove was the one who saw them most clearly.

That is not coincidence. That is the operating logic of this playbook. The most dangerous person inside a target organization is not always the most powerful. It is the most perceptive. The person who names what is happening before it is finished. The person who, if they stay, might warn the founder before the exit strategy is complete.

You push that person out first.

Keliah was pushed out first.

"I Taught Myself Everything I Know"

While Khabir's story was unfolding, Jeff and Lucia were doing something else simultaneously in the industry.

They were telling people they had built Ashley Deal.

Ashley Deal runs Cape Credit Repair. She is visible, successful, and well-respected in the credit repair space. Her name carries weight in the rooms where credit repair professionals network, evaluate vendors, and decide who to trust.

When Jeff and Lucia dropped her name in a pitch, "we taught Ashley Deal everything she knows, we are the reason she is big," it landed. If you do not know Ashley personally, you have no reason to doubt a claim like that.

I called her.

"I have had a few credit repair company owners come to me and tell me this," Ashley said when I asked whether she knew about the claims being made about her.

She knew. Multiple people had relayed it. She had been hearing her name used in rooms she was never invited to, vouching for people she had long since stopped trusting.

Her response to the claim that Jeff and Lucia had built her, trained her, and made her who she is in this industry:

"I taught myself everything I know. Because when I reached out to Lucia, she left me on read. When I told her everything I already knew and everything I had already figured out."

Lucia. Left Ashley Deal. On read.

The person they have been publicly claiming to have mentored reached out to Lucia in the early days of her career. Lucia saw the message. Saw that Ashley already knew what she was doing. And did not respond.

Ashley built herself. In silence. While Lucia was ignoring her messages.

And once Ashley's success became undeniable, they claimed credit for it.

The $1,800 They Kept

Ashley did have real, documented interactions with Jeff and Lucia. Financial ones.

She took a consumer law course from Lucia when she was first getting started. She also purchased access to Ninja Automations, a program priced at $5,000 that included a promised mentorship component.

She paid $1,800 before stopping her installments.

The mentorship she paid for was never delivered.

"I asked for a refund," she told me. They denied it. She stopped paying. She kept platform access for a year.

The complete accounting of Ashley Deal's professional relationship with Jeff and Lucia is this: one course taken, one program purchased with a promised mentorship that never materialized, $1,800 paid and never returned, and a mentorship she taught herself while they kept her money.

That is the woman they have been telling the industry they built.

Has she ever worked with them professionally? "No," Ashley said. "They have asked me multiple times to do some type of business venture, but my husband Cody and I have always declined."

Every time they asked, Ashley and Cody said no.

The Live They Asked For, and the Workflows That Never Came

Here is how the extraction works when the target has a public following instead of a software platform to infiltrate.

Early in Ashley's career, after she had taken Lucia's consumer law course and the relationship was still warm, they came to her with a request. Would she go live on social media and talk about how the course was? Give a public endorsement. Her audience would see it. New students would sign up.

In exchange, they promised, she would receive access to additional GoHighLevel workflows.

Ashley went live.

The workflows never came.

The endorsement existed. It lived on in content somewhere. People who watched it saw Ashley Deal talking positively about something Lucia offered. That clip had marketing value regardless of whether the promised workflows ever arrived. They extracted what they needed and closed the account.

This is the logic running through every transaction documented in this investigation. Extract the thing of value first. The admin access. The Stripe export capability. The public endorsement from someone with a following. Then delay the return indefinitely or abandon it entirely, depending on what is easier.

Ashley was also being tagged in content she had never agreed to.

"They have tagged me in posts that insinuated that I was working with them or using them for outsourcing," she told me. "And I had to manually untag myself."

Someone with a following gets tagged. Their audience sees it. They assume endorsement. They assume a business relationship that does not exist. The person tagged only finds out when they happen to check, and then has to take active steps to undo an implied association their followers have already seen.

"They have been blocked on all forms of communication and social media," Ashley said, flat and final.

The Fake Client in Khabir's Own Group

Now we arrive at the detail I have been building toward in this section. Because this one is different from everything else documented in this investigation.

This one is brazen in a way that the others are not.

Khabir mentioned during our interview that a user had told him Lucia had posted inside the CreditFixxr Facebook community, his platform's own user group, recommending Ninja Premium Outsourcing.

Ashley Deal independently confirmed it. She had seen the post herself.

Lucia posted inside the CreditFixxr group while she was an active partner in CreditFixxr. Not as a partner. Not transparently. As what appeared to be a regular community member, a satisfied user, recommending an outsourcing service.

That outsourcing service was Ninja Premium Outsourcing. Her own.

Think about what this required. She had insider access to the community where Khabir's paying subscribers discussed their business needs, evaluated tools, and made referral decisions. She used that insider access to covertly advertise her own competing service to people who were paying Khabir's monthly subscription, presenting herself as a neutral third party with no conflict of interest.

This is not aggressive marketing. This is not a gray area. This is using a position of trust inside someone else's business community to secretly poach their customers for your own competing service, while disguising yourself as one of them.

The Award That Wasn't Theirs. The House That Wasn't Theirs.

Ashley gave me two more details that document a pattern of representing borrowed things as owned things.

First: the GoHighLevel stages.

"I have seen photos of them getting on GoHighLevel stages with Ninja Automations and claiming they were also award recipients when it was truly Devin Shaw," Ashley told me.

We documented in Part 1 that Lucia had publicly celebrated Shaw's SaaSPRENEUR Platinum award as a team victory, posting that "the whole Ninja Team" was getting "awards left and right." Ashley is now describing something additional: Jeff and Lucia appearing at GoHighLevel industry events in ways that implied they shared in award recognition that belonged to Devin Shaw alone.

The award is Shaw's. The stage photo is Jeff and Lucia's. The impression conveyed to anyone in the audience is that Ninja Automations, under whatever configuration they are presenting that day, is an award-winning GoHighLevel operation.

It is not. They are trading on an achievement that is not theirs, from a person they publicly claim no affiliation with, depending on the day and the audience.

Second: the lifestyle content.

"I have seen their lifestyle marketing of things that are not theirs," Ashley told me. "They post lifestyle videos of them in their friend's house and office like it is theirs. It belongs to Rob Quinones and Liza Quinones."

Rob and Liza Quinones have appeared before in this investigation. Liza was the one who posted "Get em..." on social media in apparent encouragement of Lucia confronting one of her accusers at an industry event. They are, by all accounts, close to Jeff and Lucia. Close enough to film content in each other's spaces.

Jeff and Lucia film that content and present it as their own. Their house. Their office. Their lifestyle.

The GoHighLevel award they did not earn. The revenue numbers from a business that made a fraction of what they claimed. The success story of an industry professional they left on read. The house that belongs to someone else.

Everything Jeff and Lucia present as theirs, on closer inspection, belongs to someone else.

When you cannot show your own receipts, you borrow someone else's. It is not coincidence. It is method. If you want a deeper understanding of how these patterns fit into the broader landscape of credit repair fraud in this industry, the pattern is well documented across multiple investigations.

Ashley's Last Word

I asked Ashley whether she was willing to publicly clarify her relationship, or lack of one, with Jeff and Lucia.

"Yes," she said without hesitation. "I am in no way, shape, or form affiliated with them, partnered with them, or friends with them."

Not on her personal page. She does not want her clients drawn into industry drama. But publicly, in any professional context, in any group, on any platform where her name is being used without her knowledge, she is willing to say it.

"Be careful," she told me at the end of our conversation, when I asked if there was anything else I should know as I continued this investigation.

Just that. Two words.

I asked what she meant.

"They know how to make themselves look like the victim."

The people Jeff and Lucia claim they made are lining up to say, on the record, with their real names: we made ourselves. And we see exactly who you are.

"That Sounds Like a Police and Husband Matter"

Before we get to the financial summary and the playbook breakdown, there is something that happened when Ashley Deal reported Jeff's behavior that needs to be documented here. Not in Part 4. Right now, as the bridge between what Jeff and Lucia did to their business partners and what happened when the industry's key figures had a chance to respond.

You have read about Jeff Inniss' physical intimidation at industry events. Charlotte's account from Part 1, where Jeff grabbed her hand at the MFSN Monarch Rooftop event and pulled her close, delivering a threat in a low voice while she could not pull free. Nicole Ashley's account from Part 1, where Jeff grabbed her wrist at the Vegas MFSN event, squeezed until it hurt, and told her to back off in what she described as a menacing tone.

Ashley Deal brought this documented pattern of Jeff physically grabbing and intimidating women at industry events to the MFSN team. Specifically, she reported it to Rafael Molina, who holds a senior role within the MyFreeScoreNow organization and is the same person Lucia had positioned as her primary relationship contact at MFSN. The same Rafael Molina who earlier in this investigation accidentally revealed on a call with Khabir that he was managing simultaneous meetings for both CreditFixxr and Ninja Automations before Lucia cut him off with five rapid no's.

Rafael Molina's response to Ashley's report about Jeff physically grabbing women at MFSN events:

"That sounds like a police and husband matter."

Let that land.

A woman brings documented accounts of a man in their network physically grabbing women at their own events, squeezing hands until they cannot pull free, grabbing wrists and telling women to back off in menacing tones, and Rafael Molina tells her it sounds like a police and husband matter.

Not: we take this seriously. Not: we are going to look into it. Not: we have a responsibility to ensure the safety of everyone at events we host.

A police and husband matter.

The phrase deserves to be unpacked because the message is layered. A "police matter" says this is not our problem, take it somewhere else. A "husband matter" says the appropriate male figure in your life should handle this on your behalf. Together, the response communicates one thing precisely: we do not see this as our institutional responsibility, and we are not going to treat it as one.

This is the same Rafael Molina who is part of the MFSN infrastructure that provided Jeff and Lucia with speaking opportunities, networking access, and the credibility that comes from visible presence in MFSN spaces. When a woman came to him with documented accounts of physical intimidation at their own events, his answer was to send her away.

Part 4 is for him. And for Bruce Cornelius. And for the full institutional picture of what MFSN knew, what MFSN protected, and what MFSN told the people who came to them for help.

Because there is a great deal more that needs to be said about MyFreeScoreNow. About the SmartCredit contract termination and the documented reasons behind it. About the consumers who were double-billed and who they were told to blame. About the fake upgrade emails sent to credit repair companies' clients without those companies' knowledge or consent. About the password resets that put hundreds of affiliate credit repair companies in impossible positions with their own clients. About all the ways MFSN's affiliates were harmed by operational decisions made above them.

And about the cease and desist letter that Bruce Cornelius told Ashley he had sent to this investigation.

The one that never arrived.

Part 4 is where the platform that enabled this stops being a backdrop and becomes a subject in its own right.

And Bruce, if you are reading this: the diaper comes off whenever you are ready. I have been consistent throughout this entire investigation. Every subject gets the same offer. You have a side of this story, and I am more than willing to tell it. Not a softball. Not a cleanup. A fair accounting of your perspective, your decisions, and whatever context you believe is missing from this reporting. The platform is open. The invitation is genuine. You know where to find me.

admin@credlocity.com. Subject: "Ninja Investigation - Bruce Cornelius Response."

Whenever you are ready.

The Numbers, Laid Flat

Here is what the financial picture looks like without interpretation or framing. Just the numbers.

Before Jeff and Lucia joined CreditFixxr: 790 active users.

After Jeff and Lucia left CreditFixxr: 218 active users.

Net loss: 572 users. That is a 72% reduction in the active subscriber base of a software platform one man spent two and a half years building.

Revenue drop as a direct result of the partnership: more than 30% compared to the prior year. Khabir's words, not mine.

Revenue Jeff and Lucia claimed from Credit411: $50,000 per month, or $600,000 per year.

Revenue their Stripe account showed for the entire year: under $100,000. Approximately $4,000 to $8,000 per month.

The inflation applied to their claimed performance: approximately twelve times actual results.

The mentorship Ashley Deal paid $1,800 for: never delivered.

The GoHighLevel workflows promised to Ashley in exchange for a live endorsement: never delivered.

The educational content and training materials promised to Khabir: never delivered.

The Credit411 users promised to migrate to CreditFixxr: never materialized.

Everything they promised in exchange for everything they accessed. The gap between those two columns is the story of what happened to Khabir's platform and to every user who was there before Jeff and Lucia arrived.

The Playbook, Third Iteration

Three victims. Three iterations. The evolution between them tells you something important about how the approach has been refined over time.

With Vivi Campbell: Target a disabled woman working sixteen-hour days alone. Use her health as the entry point, framing the arrangement as care and relief. Gradually take over operations while she rests. Lock her out without warning when the transition is complete. Defame her to her own clients to prevent any reconnection.

With Damien at Mustard: Target an established software operation with proprietary infrastructure and a valuable platform integration. Claim GoHighLevel expertise as the entry credential. Take a complete system snapshot before sending an emotional departure video. Poach clients directly using the stolen infrastructure.

With Khabir at CreditFixxr: Target a founder with a growing user base and a functional platform. Claim $50,000 per month in revenue to establish credibility and justify deep access. Use a whisper campaign to push out the existing COO. Gain Stripe admin access with full customer export capability. Fail to deliver on every promise while using partnership access to secretly advertise a competing service inside the user community. Circulate a "software is breaking" narrative to accelerate user erosion. Exit with a family emergency story. Launch competing brands at a professional conference one week later.

Each iteration is refined. The financial lie gets more specific. The access goes deeper into the billing infrastructure. The exit narrative becomes more emotionally compelling. The destruction of the user base is now active, not just a consequence of leaving, but a campaign conducted from inside during the partnership itself.

They are not making mistakes. They are learning and improving.

Why Khabir Spoke

I asked him why he decided to go on the record. Fully. With his real name and his real company name, knowing that Jeff and Lucia had MFSN connections and that this industry runs on relationships.

He told me directly: "Hell yeah. I have been worried and scared that Lucia and Jeff will have me blackballed because this industry is relationship-based."

That fear is real and it is documented across every single witness in this investigation. The fear of professional retaliation. The fear of being quietly frozen out of networking events and platform partnerships and the invisible currency of industry credibility. It is the fear that Jeff and Lucia's MFSN relationships are specifically cultivated to produce: speak out, and risk your business.

But there was something else. Something Khabir said that I keep returning to.

He knew the pattern had not stopped with him. He knew that whatever had been done to Vivi, to Damien, and to himself had almost certainly been done to someone else already, or would be done soon, because no one who is this precise about this stops voluntarily.

The silence that protects Jeff and Lucia is the silence that costs the next founder 572 subscribers and 30% of their revenue.

"Man, they know better," he said when I asked about harassment or intimidation.

Three words that carried everything. The calm certainty of a man who has built something real, watched it take damage from people he trusted, assessed what happened, and decided that staying quiet is the one thing he is no longer willing to do.

He is still standing. Still running CreditFixxr. Still building.

Khabir spoke because the next person deserves the warning he never received.

What We Know Now, Across Three Victims and One More Witness

Part 1 gave us the story of a disabled woman who built a business while fighting her own body and watched three people steal it while telling her to rest.

Part 2 gave us the story of a software founder who built a thriving operation and had it systematically hollowed out by a man who had to be walked through the very expertise he had claimed as his entry credential.

Part 3 gives us the story of a founder who spent two and a half years building something real, was approached by people who lied about who they were by a factor of twelve, watched them undermine his original partner through a steady whisper campaign, saw his user base collapse from 790 to 218, and discovered the truth on a computer screen in Texas when nobody was supposed to be looking.

And Part 3 gives us something Parts 1 and 2 could not: an independent witness whose name was borrowed without her knowledge. Ashley Deal did not lose a business to Jeff and Lucia. But her name was dropped in pitch meetings she was never told about. Her early endorsement was extracted in exchange for workflows that never arrived. Her success story was rewritten as their origin story. Her $1,800 was kept after the mentorship they promised her was never delivered.

Four people telling their stories. Four different points of entry. Four different categories of damage. One consistent set of actors behind all of it.

The same institutional backdrop every time: MyFreeScoreNow. The same platform connections. The same fear of professional retaliation. The same hesitation to speak because the people who run the rooms appear to protect Jeff and Lucia.

Part 4 goes directly at that. Not with speculation, but with documentation. Not the gossip. The institutional failures.

Coming in Part 4: "The Platform That Looked Away"

Why did SmartCredit terminate MFSN's contract, and what does that termination reveal about how MFSN was operating? What happened to the consumers who were double-billed, and who were they told was responsible? What are the upgrade emails that went out to credit repair companies' clients without those companies' knowledge or consent, and what did they say? What is the pattern of password resets that left hundreds of affiliate credit repair companies in impossible positions with their own clients?

And what does it mean that Bruce Cornelius told Ashley Deal he had sent a cease and desist letter to this investigation, when no such letter ever arrived?

The platform that provided Jeff and Lucia with access, credibility, and protection is about to become the subject.

The investigation continues. The evidence is documented. The victims are speaking.

And the silence from Jeff, from Lucia, from their attorneys, and from everyone who has chosen to look away is getting louder with every part that publishes.

About Credlocity Business Group LLC

Credlocity Business Group LLC was founded in Philadelphia in 2008 by Joeziel "Joey" Vazquez after he was personally defrauded by Lexington Law for $1,847. That experience, documented in the Lexington Law investigation published on this site, became the foundation for everything Credlocity stands for: transparent, ethical credit repair built on consumer protection law rather than fear or false promises.

Over 17 years, Credlocity has served more than 79,000 clients across all 50 states and removed $3.8 million in unverified debt from credit reports. The company holds zero negative BBB reviews, which in 17 years of credit repair is essentially unheard of in this industry.

Joeziel holds four professional certifications: Board Certified Credit Consultant (BCCC), Certified Credit Score Consultant (CCSC), Certified Credit Repair Specialist (CCRS), and FCRA Certified Professional. He has been conducting investigative journalism since 2019, documenting fraud in the credit repair industry and contributing to regulatory actions that have protected consumers.

Credlocity is a Hispanic-owned, minority-owned, women-owned, and LGBTQAI+-owned business certified by the National LGBT Chamber of Commerce. The company offers three service plans starting at $99.95 per month, all including monthly one-on-one consultations, monthly budgeting assistance, and mobile app access for real-time credit monitoring. All plans come with a genuine 30-day free trial, no credit card required, and a 180-day money-back guarantee.

Credlocity never enrolls clients over the phone. All enrollment happens through the online platform. This is not only a TSR compliance requirement: it is a consumer protection practice that creates a documented paper trail protecting both the client and the company.

For more information: www.credlocity.com or start your free trial here.

Legal Disclosures

Not Legal or Financial Advice: This article provides educational information only and does not constitute legal or financial advice. Every individual's situation is unique, and you should consult with qualified professionals regarding your specific circumstances. For legal questions, consult a licensed attorney. For financial advice, work with a qualified financial advisor.

CROA and TSR Compliance Statement: Credlocity operates exclusively within the requirements and limitations of the Credit Repair Organizations Act (CROA) and the Telemarketing Sales Rule (TSR). We make no guarantees regarding credit score improvements or specific results. Credit repair outcomes depend on numerous factors including the accuracy of information on your credit reports, your credit history, and actions you take during the process.

Accurate Information Disclaimer: We cannot and do not remove accurate negative information from credit reports. We work exclusively to address inaccurate, unverifiable, or improperly reported information as permitted under the Fair Credit Reporting Act and related consumer protection laws.

TSR Phone Enrollment Warning: Federal law requires that credit repair companies who enroll clients over the phone must wait six months before charging any fees. Credlocity avoids this requirement by accepting enrollments only through our online platform, never over the phone. We disclose this information so consumers can protect themselves from companies violating this law. Any credit repair company charging fees immediately after a phone consultation is operating illegally, and you should report them to the FTC at https://reportfraud.ftc.gov/.

FTC Reporting Encouragement: We encourage all consumers to report any credit repair company who charges for services after signing up following a phone consultation at https://reportfraud.ftc.gov/. Consumer protection depends on consumers reporting violations when they encounter them.

Sources and Disclosures

Primary Interview, Khabir (CreditFixxr): Conducted 2026. Full recorded interview. Subject consented to use of testimony with real name and real company name.

Primary Interview, Ashley Deal (Cape Credit Repair): Conducted 2026. Full interview on the record with real name. Subject confirmed awareness of claims made about her, denied any professional partnership with Jeff and Lucia, and provided detailed account of specific interactions including the $1,800 unrefunded payment, the live video exchange for workflows that never materialized, the fake client post in the CreditFixxr group, the GoHighLevel stage appearances, and the lifestyle content filmed at Rob and Liza Quinones' property.

The Stripe Revelation: Khabir's firsthand account of viewing Jeff and Lucia's Stripe account while visiting them in Texas. Total annual gross revenue: under $100,000. Claimed monthly revenue at time of negotiations: $50,000 per month. Discrepancy: approximately 12 times inflation of actual performance.

User Count Documentation: 790 active CreditFixxr users before Jeff and Lucia's involvement. 218 active users after their departure. Net loss: 572 users (72% reduction). Revenue impact: more than 30% drop compared to prior year, per Khabir's direct account.

Keliah's Message: Text message received by Khabir on October 28, 2025. Reproduced from Khabir's account of its contents.

The MFSN and Rafael Slip: Khabir's firsthand account of a joint call during which Rafael asked whether the meeting was "for the Ninja Automations meetings." Lucia's response: "No no no no no, this is strictly for CreditFixxr." Reported as Khabir heard it, in real time, with multiple parties on the call.

Witnesses to "Software Is Breaking" Statement: Moe The Closer and Isaiah Madess, both of whom overheard Jeff Inniss state that they were no longer using CreditFixxr because it was breaking.

The Arkansas and Tax Conference Timeline: Jeff and Lucia informed Khabir they were leaving due to Lucia's brother's cancer diagnosis. Approximately one week later, they appeared at a tax conference presenting new brand logos for Ninja Automations and 411. Timeline based on Khabir's direct account.

Credit411 Revenue Claims vs. Reality: Jeff and Lucia claimed $50,000 per month in revenue from Credit411 during partnership negotiations. Stripe account viewed by Khabir showed under $100,000 total for the year.

The $1,800 Transaction: Ashley Deal paid $1,800 of a $5,000 charge for Ninja Automations access that included a promised mentorship component. The mentorship was never delivered. Refund request was denied.

The Live Video Exchange: Ashley performed a public live endorsement of Lucia's consumer law course in exchange for promised GoHighLevel workflows. The workflows were never provided.

The Fake CreditFixxr Post: Corroborated independently by both Khabir and Ashley Deal. Lucia posted inside the CreditFixxr Facebook group presenting as a client and recommending Ninja Premium Outsourcing while simultaneously a partner in CreditFixxr.

GoHighLevel Stage Appearances: Ashley Deal's firsthand account of observing Jeff and Lucia appearing at GoHighLevel events implying association with award recognition belonging to Devin Shaw.

Lifestyle Content, Rob and Liza Quinones Property: Ashley Deal's account of observing social media content produced by Jeff and Lucia in Rob and Liza Quinones' home and office, presented as their own.

"Police and Husband Matter" Response: Ashley Deal's account of bringing Jeff Inniss' documented physical intimidation of women at industry events to Rafael Molina, a senior figure within the MyFreeScoreNow organization. Rafael Molina's response, as reported by Ashley Deal: "That sounds like a police and husband matter." Reported as Ashley relayed it. Rafael Molina and MFSN were given opportunity to respond prior to publication.

Confidentiality and NDA Disclosure: Khabir confirmed he has confidentiality and non-disclosure agreements with all partners. No specific contents reproduced. His decision to speak reflects his own assessment of his legal rights and obligations.

Consumer Protection References:

1. Federal Trade Commission - Credit Repair: https://consumer.ftc.gov/articles/credit-repair-how-help-yourself

2. Consumer Financial Protection Bureau - Credit Repair Organizations: https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/

3. Credit Repair Organizations Act (CROA) Full Text: https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act

4. Telemarketing Sales Rule: https://www.ftc.gov/legal-library/browse/rules/telemarketing-sales-rule

5. Fair Credit Reporting Act (FCRA): https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act

6. FTC Report Fraud Portal: https://reportfraud.ftc.gov/

7. Texas Secretary of State Business Search: https://mycpa.cpa.state.tx.us/coa/

8. GoHighLevel Platform Documentation: https://www.gohighlevel.com

9. Credlocity Ninja Files Part 1: https://www.credlocity.com/post/ninja-outsourcing-fraud-investigation-vivi-campbell-devin-shaw-part-1

10. Credlocity Ninja Files Part 2: https://www.credlocity.com/post/ninja-outsourcing-fraud-devin-shaw-mustard-heist-part-2

If you have been victimized by Ninja Outsourcing, Ninja Automations, Tax Ninja Pros, Credit411, or any entity connected to Devin Shaw, Jeff Inniss, or Lucia Corral: Email: admin@credlocity.com Subject: "Ninja Investigation - Victim/Witness"

To report credit repair fraud to the FTC: reportfraud.ftc.gov

Document everything. Talk to an attorney. And know that you are not alone.

Published: March 2026

Word Count: Approximately 8,200

Reading Time: 45 minutes

Investigation Status: Active and ongoing

Next: Part 4 - "The Platform That Looked Away: MFSN, SmartCredit, and the Institutional Failures That Made This Possible"

This investigation is dedicated to every person who has been told their story does not matter, that they deserved what happened to them, or that speaking out will only make things worse. Your stories matter. You did not deserve it. And speaking out is how we stop them from hurting the next person.

Joeziel "Joey" Vazquez Founder and CEO, Credlocity Business Group LLC In recovery since March 5, 2015 Philadelphia, PA