Two Legends. One Movement. One Epoch. — Credlocity and Shar Schaffeld Announce Full Merger
Philadelphia, PA & Boise, ID — April 2026
Two Legends.
One Movement.
One Epoch.
Credlocity Business Group LLC and 17-year Idaho credit repair pioneer Shar Schaffeld formally announce their full merger — completing a union quietly set in motion in December 2025 under the codename Epoch 17. Combined: 34 years of consumer advocacy, 79,000+ lives changed, three first-of-their-kind platforms, and a shared refusal to let predatory financial practices go unanswered.
Epoch
noun
“A period of time in history marked by notable events; the beginning of a distinctive period in the history of something.”
“From Ancient Greek epoche — a fixed point of time; the pause that divides everything into before and after.”
The name was chosen deliberately. An epoch is not merely time passing — it is the marker. The fixed point from which everything before belongs to one world, and everything after belongs to another. This merger is that marker.
For months, a quiet signal moved through the credit repair community. Cryptic posts. A phrase appearing without context — Epoch 17. No explanation. A deliberate signal that something historic was being built. Today, the signal resolves into an announcement.
The 17 honors two parallel journeys of exactly 17 years each. Joeziel Vazquez-Davila founded Credlocity in 2008 in Youngstown, Ohio after being defrauded by Lexington Law. Shar Schaffeld founded CPR Credit Repair in Boise, Idaho on October 31, 2008. Two people. Two cities. The same year. The same mission. Now, one company.
Credlocity is the only credit repair organization in the United States that has published investigative journalism triggering a CFPB and DOJ investigation, built a pending-patent attorney marketplace, launched the industry’s first transparent outsourcing platform, and built a CROA-compliant school where other credit repair companies learn for free.
Shar Schaffeld is a financial educator at the Idaho Drug and Alcohol Diversion Program, a pro bono advocate at the Nampa Family Justice Center. Her four original referral partners are still referring after nearly 18 years. That loyalty is built by showing up, every time, for the families everyone else overlooks.
34
Combined years in the industry
79K+
Clients served nationwide
3
First-of-their-kind platforms
The Credlocity Attorney Marketplace
The first attorney marketplace in the credit repair industry connecting consumers with FCRA, FDCPA, TCPA, and CROA-specialized attorneys. Attorneys compete for qualified cases. Consumers receive legal representation for real violations. Patent, copyright, and trademark pending.
The Credlocity Outsourcing Platform
The first outsourcing platform giving partner CROs complete real-time visibility into every dispute. Log in, see every letter, track every round, manage billing. No black boxes. Full transparency. Full accountability.
The CROA Credlocity School
A first-of-its-kind educational platform for credit repair companies. FCRA, FDCPA, CROA, TSR, and ethical dispute practice. Free classes. Free login. Built to raise the standard of the entire industry.
Investigative Journalism
The only active credit repair company publishing investigative journalism. Channel Jones, Alex Miller, Credit Saint Files, Ninja Files — each produced real-world consequences. The journalism continues.
“I was betrayed by the same industry I went on to build. Every investigation, every pro se lawsuit, every platform we built traces back to the moment Lexington Law took my money and did nothing. Shar has spent 17 years doing this work the right way. This merger does not change what we do. It multiplies it.”
— Joeziel Vazquez-Davila, CEO & Founder, Credlocity Business Group LLC
Shar Schaffeld — Co-Owner & Partner, Credlocity Business Group LLC
“There is nothing more empowering than watching a hardworking family get into the home they earned. I have been fighting for the underdog for 17 years. Now, for the first time, I am not fighting alone.”
— Shar Schaffeld, Co-Owner, Credlocity Business Group LLC
The 30-day free trial remains. The 180-day money-back guarantee remains. The CROA-compliant no-upfront-fee structure remains. Shar’s 17 years of Boise community relationships are now part of Credlocity’s national infrastructure. The attorney marketplace, outsourcing platform, school, and investigative journalism are now accessible to every client in the combined network.
Joeziel “Joey” Vazquez-Davila
CEO & FounderBorn in North Philadelphia. Ran away to Youngstown, Ohio at 14. Founded Credlocity in 2008 after being defrauded by Lexington Law. Self-taught at YSU and the Pennsylvania prison law library. Represented himself pro se, 34 charges dismissed. BCCC, CCSC, CCRS, FCRA Certified. 17 years. 79,000+ clients.
Started repairing credit in 1994 after her divorce. Opened CPR Credit Repair in Boise, Idaho on Halloween 2008. 18 continuous years brick-and-mortar. Four original referral partners still active. Financial educator, domestic violence advocate. 17 years.
Epoche — a fixed point of time. The pivot before which one world existed and after which another begins. The epoch before this one belonged to the predators. The one that begins now belongs to the consumers.
Effective immediately. Shar Schaffeld joins Credlocity Business Group LLC as Co-Owner and Partner. 1500 Chestnut Street, Suite 2, Philadelphia, PA 19102. credlocity.com
About Credlocity Business Group LLC
Philadelphia-based credit repair organization founded 2008. Certified BCCC, CCSC, CCRS, FCRA. 79,000+ clients. 4.8-star Google rating. CROA, FCRA, FDCPA, TSR compliant. 30-day free trial. 180-day money-back guarantee. No illegal upfront fees. Industry’s first attorney marketplace (patent, copyright, trademark pending), first transparent outsourcing platform, CROA Credlocity School (free classes, free login), and the only active investigative journalism operation in credit repair. credlocity.com
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About Credlocity Business Group LLC
Credlocity Business Group LLC, headquartered at 1500 Chestnut Street, Suite 2, Philadelphia, PA 19102, is an FCRA-certified credit repair organization founded in 2008 by Joeziel Vazquez. With 17 years of experience and more than 79,000 clients served, Credlocity provides FCRA-compliant dispute services, direct creditor negotiations, and pro se litigation against bureaus and furnishers that violate consumer rights. Joeziel Vazquez holds FCRA Certified, BCCC, CCSC, and CCRS credentials.
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