Credlocity

05/29/2026

https://www.credlocity.com/post/cfpb-medical-debt-rule-2025-credit-report

The CFPB's January 2025 rule to ban all medical debt from credit reports was overturned by a federal court in July 2025. But the 2022-2023 voluntary bureau changes are permanent, 15 states have their own laws, and your FCRA dispute rights still apply. FCRA-certified expert Joeziel Vazquez explains e...

05/29/2026

https://www.credlocity.com/post/va-loan-denied-credit-repair-veterans-90-day-plan

Only 9% of VA loans are denied -- but if yours was denied due to credit, this 90-day plan from FCRA Certified Professional Joeziel Vazquez walks you through exactly what to dispute, how to use SCRA rights, which compensating factors matter most, how to shop lender overlays, and the month-by-month ti...

05/26/2026

Them deletions!!!!!!
I hate when we do so good for a client only for them to over use their current credit limits and add 14 new inquiries 😅

05/17/2026

Beyond the Big Three: Why Your Credit Repair Company Must Also Dispute LexisNexis, Clarity Services, and Other Specialty Credit Bureaus

Most consumers are unaware that over 400 consumer reporting agencies operate in the United States. While Equifax, Experian, and TransUnion receive the most attention, specialty bureaus including LexisNexis, Clarity Services, Innovis, CoreLogic, and ChexSystems are actively checked by insurance companies, fintech lenders, mortgage underwriters, and credit card issuers. A credit repair company that stops at the Big Three is leaving significant damage unaddressed. This guide explains which specialty bureaus matter most, who checks them, and what your rights are under the Fair Credit Reporting Act.

Most credit repair companies only dispute with Equifax, Experian, and TransUnion. Learn why specialty bureaus like LexisNexis, Clarity Services, and Innovis affect your insurance rates, loan approvals, and financial future.

05/17/2026

Attention Military members! We are offering a 20% discount for all current and former military members!!!

Credlocity helps active duty military, veterans, and military families remove late payments, collections, and negative items from their credit report. 20% military discount. 30-day free trial.

05/08/2026

An honest review from an awesome client

Score improved from 448 to 710 (+262 pts) from Killeen, TX. "I can honestly say working with Credlocity was one of the best decisions I made for my financial future. My credit s..."

04/30/2026

Our client Colin received great results this round! Very happy and proud to announce he is one step closer to getting the home of his dream!
Thank you so much to Shar Schaffeld for ensuring that his disputes were processed with skill and that we were able to achieve these results for the client.

04/21/2026

Our client Kameron in one round of disputes with us got a total of 8 negative collections deleted from his credit report. EQ 33 point increase, EX 78 point increase, and TR with a 50 point increase.
Real Results From Real People

03/13/2026

Part 3 of The Ninja Files is live.
A software founder named Khabir spent two and a half years building CreditFixxr from scratch. 790 active users. A growing business. Then two people came in with a partnership pitch and a revenue claim of $50,000 per month.
He found out the truth when he was visiting them in Texas and sat down at their computer. Their Stripe account was still open. The real number for the entire year was under $100,000.
By the time they left, citing a family emergency, his user base had dropped 72 percent. One week after the emergency, they were at a tax conference launching new brands.
This investigation also documents Ashley Deal of Cape Credit Repair, who went on the record to address the false claim that Jeff and Lucia built her career. And it documents the response one woman received when she reported physical intimidation at industry events to a senior figure at MyFreeScoreNow:
"That sounds like a police and husband matter."
Three victims. One witness. The same playbook every time.
If you are a credit repair company owner, a software founder, or a consumer who has worked with Ninja Outsourcing, Ninja Automations, or Credit411, you deserve to know what has been documented.
Read the full investigation at the link below. And if you have a story to share, contact us at [email protected].
Full investigation:
https://www.credlocity.com/post/ninja-files-creditfixxr-infiltration-jeff-lucia-fraud
Part 4 is coming. It focuses on MyFreeScoreNow.

Khabir spent two and a half years building CreditFixxr from scratch. By August 2022 he had launched a legitimate GoHighLevel-based software platform serving 790 active credit repair companies. Then Jeff Inniss and Lucia Corral called.

01/27/2026

So you are all scared of the big 3 huh? Don’t fear them go on ahead and send those dispute letters or let us do it for you 😁