Shar Schaffeld
Co-Owner, Credit Expert & Community Advocate — Credlocity Business Group LLC
32-Year Credit Repair Veteran · Founder, CPR Credit Repair · Boise, Idaho · Merged with Credlocity 2026
About Shar Schaffeld
Shar Schaffeld spent 32 years teaching hardworking families — farmers, teachers, nurses, and blue-collar workers — how to use consumer protection law to rebuild their financial futures. From a Wells Fargo branch window to 18 years running her own brick-and-mortar credit repair office, her story is one of the most remarkable in the consumer credit industry.
How It Started: 1994
After a divorce, Shar discovered what millions of Americans learn too late: a divorce decree means nothing to a creditor. Rather than accept that outcome, she taught herself how credit reporting, debt collection, and consumer protection law actually work — and repaired her own credit profile. For the next 13 years, she helped friends, family, and community members repair their credit entirely informally, entirely from self-taught knowledge.
The Wells Fargo Moment: 2008
Working in banking during the financial crisis, Shar watched the economy collapse beneath families in her community. When her district manager told her helping customers rebuild credit was not her job, she made a decision that would define the next two decades. On October 31, 2008, she walked across the street from Wells Fargo and opened CPR Credit Repair — entirely self-taught, with no business model to copy and no knowledge that companies like Lexington Law even existed.
18 Years at CPR Credit Repair
For 18 years, CPR Credit Repair operated as a full brick-and-mortar office in the Boise, Idaho area, building a loyal staff, a network of hundreds of referring professionals, and a reputation for genuine results in Idaho's agricultural and working-class communities. The office still runs daily under the management of her daughter.
Community Roles
- Financial Educator — Idaho Drug & Alcohol Diversion Program. Shar serves as the in-house financial educator helping participants rebuild credit as part of their recovery pathway.
- Pro Bono Advocate — Nampa Family Justice Center. All credit education and advocacy services provided free to survivors of domestic violence and family crisis.
- CE Credit Speaker — Continuing Education credit speaker for Realtors in the Boise area, educating real estate professionals on how credit impacts homebuyer qualification.
- School Financial Literacy — Until 2020, ran financial success classes in middle schools and high schools throughout the Boise community.
Merger with Credlocity: 2026
In 2026, Shar Schaffeld fully merged CPR Credit Repair with Credlocity Business Group LLC, joining Joeziel Vazquez-Davila as co-owner and partner. The merger brings 32 years of Idaho credit repair expertise into Credlocity's national infrastructure, attorney marketplace, and consumer advocacy program.
Frequently Asked Questions
- Who is Shar Schaffeld?
- Shar Schaffeld is a 32-year credit repair veteran, founder of CPR Credit Repair in Boise, Idaho, and co-owner of Credlocity Business Group LLC. She is a self-taught consumer protection advocate, financial educator, and community advocate.
- What is CPR Credit Repair?
- CPR Credit Repair is the Boise area credit repair company Shar founded on October 31, 2008. It operated as a brick-and-mortar office for over 18 years and is now fully merged with Credlocity Business Group LLC.
- Is Shar Schaffeld certified?
- Shar holds no formal degree or certification — every skill she has developed over 32 years is self-taught through direct practice and continuous monitoring of consumer protection laws. She maintains full compliance with Idaho and Oregon state regulations.
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