<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Credlocity]]></title><description><![CDATA[Credlocity the number 1 Credit Repair Company. The only credit repair company offering a 30 day free trial, and 100% money back guarantee.]]></description><link>https://www.credlocity.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Tue, 12 May 2026 22:33:13 GMT</lastBuildDate><atom:link href="https://credlocityadmin.wixsite.com/credlocity/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[The Ninja Files Part 3: The CreditFixxr Infiltration — How to Steal a Software Company in 90 Days]]></title><description><![CDATA[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.]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/ninja-files-creditfixxr-infiltration-jeff-lucia-fraud</link><guid isPermaLink="false">69b48ca5d7b18f7389d28e69</guid><category><![CDATA[scams]]></category><pubDate>Fri, 13 Mar 2026 22:47:48 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_d024dfa9aa3b464fbb36226f72981864~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[The Ninja Files Part 2: The Mustard Heist — How Devin Shaw Perfected the Con Before Anyone Knew His Name]]></title><description><![CDATA[Sometime in 2023, Devin Shaw pressed record on his phone. His eyes were a little watery. His voice carried just enough weight. He wanted to step back from Mustard, he said — focus on his family, be better for the people he loved. His partner Damien watched the video and felt bad for him. He even begged Shaw to stay.  What Damien did not know was that the theft was already done. Before Shaw hit record, he had taken a complete digital snapshot of Mustard's entire GoHighLevel infrastructure — every]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/ninja-outsourcing-fraud-devin-shaw-mustard-heist-part-2</link><guid isPermaLink="false">69a2120e3a2716aeb2182a28</guid><category><![CDATA[scams]]></category><pubDate>Fri, 27 Feb 2026 23:13:04 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_c1eaec0fe1fb41358ec879c44f3bbd08~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[The Ninja Files: Interlude - When Predators Send Lawyers]]></title><description><![CDATA[An Update by Joeziel Vazquez CEO &#38; Board Certified Credit Consultant (BCCC, CCSC, CCRS) 17 Years Experience Published:   February 6 2026 Reading Time:   49 minutes If you're reading this, you probably noticed something: Part 2 of The Ninja Files was supposed to publish on January 27, 2026—two and a half weeks ago. It didn't. Let me tell you why—and let me address the rumors that have been swirling through the credit repair industry like wildfire. The Rumor: "Joeziel Got Scared" The gossip...]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/ninja-files-interlude-legal-threats-investigation-update</link><guid isPermaLink="false">6986c51f7004b379055365ec</guid><pubDate>Sat, 07 Feb 2026 05:23:58 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_cb7b2bef4a7e4d9b8a353629f1630644~mv2.png/v1/fit/w_982,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[The Partnership Heist: How a Disabled Woman Built a Business—And Watched Three Con Artists Steal It While She Slept]]></title><description><![CDATA[An Investigation by Joeziel Vazquez CEO &#38; Board Certified Credit Consultant (BCCC, CCSC, CCRS) 17 Years Experience Published:   December 31st 2025   Reading Time:   47 minutes December 18, 2025:  A Facebook post. A platinum award. A comment that would unravel everything. Devin Shaw was celebrating. The photo showed him holding a "SaaSPRENEUR Platinum" award from GoHighLevel, a prestigious recognition in the software automation industry. Friends and colleagues flooded the comments with...]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/ninja-outsourcing-fraud-investigation-vivi-campbell-devin-shaw-part-1</link><guid isPermaLink="false">6960443b957e8f6c8aa429fe</guid><category><![CDATA[News]]></category><category><![CDATA[scams]]></category><pubDate>Fri, 09 Jan 2026 05:00:13 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_bc00765d03644f7b8c0e3e457757351c~mv2.png/v1/fit/w_976,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[The Complete Guide to Building and Maintaining Excellent Credit: Expert Tips and Strategies for 2025]]></title><description><![CDATA[Building and maintaining excellent credit doesn't require secrets or gimmicks—just proven strategies that actually work. After 17 years serving over 79,000 clients, Board Certified Credit Consultant Joeziel Vazquez shares the complete guide to improving both your FICO Score and VantageScore in 2026.]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/tips-tricks-good-credit-score-2026</link><guid isPermaLink="false">6954cb3d312f3eab68ddd95c</guid><pubDate>Wed, 31 Dec 2025 07:14:16 GMT</pubDate><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[Is Buying Tradelines Illegal? The Mortgage Fraud Question Fannie Mae and Federal Prosecutors Are Asking in 2025]]></title><description><![CDATA[This comprehensive analysis examines the FHFA's fraud definitions, the FTC's systematic shutdown of tradeline companies, the CFPB's designation of mortgage fraud as its top enforcement priority, and exactly when authorized user accounts cross from legal to criminal. Written by Joeziel Vazquez, who has 17 years of credit repair experience and firsthand knowledge of the federal prison system, this is the warning you need to hear before it's too late.]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/is-buying-tradelines-illegal-mortgage-fraud-2025</link><guid isPermaLink="false">693e0c1b40218b721c74401d</guid><category><![CDATA[Tradelines]]></category><pubDate>Sun, 14 Dec 2025 16:28:47 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_b3ecc9fa3c0e45d987ee7db77bdd4201~mv2.webp/v1/fit/w_768,h_512,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[THE CREDIT SAINT FILES PART 3: The Review Factory - How 235 Reviews in 24 Days Exposed a Systematic Deception Machine]]></title><description><![CDATA[Credit Saint posted 235 reviews in 24 days after Part 2 exposed their practices. Daily surveillance reveals 75% are new accounts, 60% have only 1 review, and 40% use template language. This is industrial-scale review manufacturing—and we have proof.]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/credit-saint-reviews-235-reviews-exposed</link><guid isPermaLink="false">6932f3b9fb42412147966487</guid><pubDate>Sat, 06 Dec 2025 05:01:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_fb68ff2b42764b9b8bc48bd48ec66062~mv2.png/v1/fit/w_1000,h_720,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[Is a 720 and 850 Credit Score Treated the Same? Understanding the Real Differences]]></title><description><![CDATA[Are 720 and 850 credit scores treated the same by lenders? After 17 years as a Board Certified Credit Consultant, I can tell you they're not. The difference impacts mortgage rates, auto loans, and credit cards in ways that cost thousands. Discover the real financial impact of these credit tiers.]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/720-vs-850-credit-score-difference</link><guid isPermaLink="false">6930e4c74a313d7af55f6c5b</guid><pubDate>Thu, 04 Dec 2025 01:50:52 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_4c92594887fa4191b42fc9564a84ea1e~mv2.png/v1/fit/w_1000,h_675,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[Philadelphia Renters Rights 2025: New Laws Cap Application Fees, Allow Security Deposit Installments]]></title><description><![CDATA[Starting December 3, 2025, Philadelphia renters gained powerful new protections through two landmark ordinances. Learn how the application fee cap limits what landlords can charge, why hard credit inquiries are now prohibited, and how security deposit installment plans make moving more affordable for the city's 600,000 renting households.]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/philadelphia-renters-rights-2025-application-fee-cap-security-deposit-installments</link><guid isPermaLink="false">692e9e79d566b35f04ae5a3f</guid><pubDate>Tue, 02 Dec 2025 08:15:50 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_4c765929620f4b7283b36510b62550f9~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[Student Loan Changes 2025: What Borrowers Need to Know About IBR, Tax Implications, and Credit Impact]]></title><description><![CDATA[The federal student loan system underwent major changes in 2025, affecting repayment plans, tax treatment of forgiveness, and credit reporting. This comprehensive guide explains the elimination of SAVE, expansion of Income-Based Repayment access, the expiring tax-free forgiveness provision, and critical strategies to protect your credit and financial future.]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/student-loan-changes-2025-ibr-tax-forgiveness-credit-impact</link><guid isPermaLink="false">692e66fd0170a615430112f9</guid><pubDate>Tue, 02 Dec 2025 04:16:42 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_950bcd50cb114869ab8c0cd87324b0c0~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[How to Estimate My Credit Score: A Complete Guide to Calculating FICO and VantageScore]]></title><description><![CDATA[Discover how to accurately estimate your credit score before applying for loans. Our comprehensive guide includes a free interactive calculator for both FICO and VantageScore, real-world examples, and expert strategies from a Board Certified Credit Consultant with 17 years of experience helping over 79,000 clients improve their credit.]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/estimate-my-credit-score</link><guid isPermaLink="false">6921f2240acaec3132797f0d</guid><pubDate>Sat, 22 Nov 2025 17:46:19 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_ea68560e59c640acae01071efa08abcd~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[Understanding the 2/2/2 Credit Rule: What Borrowers Need to Know Before Applying for Credit]]></title><description><![CDATA[The 2/2/2 credit rule is an invisible underwriting guideline that lenders use to evaluate borrowers, requiring at least two active credit accounts open for two years with two years of consecutive on-time payments. As credit requirements tighten and lenders scrutinize borrower stability more carefully, understanding this rule becomes critical for anyone planning to apply for mortgages, auto loans, or premium credit cards. ]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/what-is-the-2-2-2-credit-rule</link><guid isPermaLink="false">6920b8939e2226b1d41e437d</guid><pubDate>Fri, 21 Nov 2025 19:16:19 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_700b0c16a76d41dea5cfb37fe1304a93~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[TransUnion's Credit Washing Solution: A Consumer Protection Crisis Hidden Behind AI]]></title><description><![CDATA[TransUnion launched a machine learning system to detect credit washing, but consumer advocates warn it may violate FCRA protections by tracking deleted disputes.]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/transunion-credit-washing-consumer-rights-fcra-violations</link><guid isPermaLink="false">691f76f04380ae0a508b02fe</guid><pubDate>Thu, 20 Nov 2025 20:25:27 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_b8ff75ae101948a9b96e9c90fa5ed006~mv2.jpg/v1/fit/w_1000,h_628,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[Security Freeze vs Credit Lock: What Every Consumer Needs to Know About Protecting Their Credit in 2025]]></title><description><![CDATA[Security freezes and credit locks both protect against identity theft, but only one is free and backed by federal law. Learn which option is right for you.]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/security-freeze-vs-credit-lock</link><guid isPermaLink="false">691e0b0e35662176f6966ebf</guid><category><![CDATA[Identity Theft]]></category><category><![CDATA[Credit Freeze]]></category><pubDate>Wed, 19 Nov 2025 18:32:05 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_ca578c3b89884f3fa937fc32f14da97d~mv2.png/v1/fit/w_1000,h_720,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[Debt Settlement vs. Bankruptcy in 2025: Which Path Is Right for Your Credit Recovery?]]></title><description><![CDATA[Facing overwhelming debt forces a critical decision between debt settlement and bankruptcy. After 17 years as a Board Certified Credit Consultant helping over 79,000 clients, I've witnessed how this choice shapes financial futures. Debt settlement involves negotiating with creditors to accept less than you owe, typically 40-60% of balances, while avoiding bankruptcy's legal proceedings. ]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/debt-settlement-vs-bankruptcy-2025</link><guid isPermaLink="false">691d3c1c972cbe45f9023103</guid><category><![CDATA[Bankruptcy]]></category><category><![CDATA[Debt Settlement]]></category><pubDate>Wed, 19 Nov 2025 03:55:20 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_1118ddafd03d4124bb15d312cdac6acd~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[How to Get a Good Credit Score Fast: Expert Strategies That Actually Work]]></title><description><![CDATA[Discover actionable strategies to build excellent credit faster than you thought possible. Learn from 17 years of expertise helping over 79,000 clients improve their financial futures through ethical credit repair practices.]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/how-to-get-good-credit-score-fast</link><guid isPermaLink="false">691cd7c421524100b7a324d5</guid><pubDate>Tue, 18 Nov 2025 20:37:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_c597fd13461f48fa8d4a33e7b4c21a7e~mv2.jpeg/v1/fit/w_1000,h_675,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[How to Choose the Best Credit Repair Company: A Consumer Protection Guide (2025)]]></title><description><![CDATA[Finding a trustworthy credit repair company requires understanding consumer protection laws and red flags. With over 44,000 companies operating and thousands of complaints filed annually, this guide from a Board Certified Credit Consultant helps you identify legitimate services, avoid predatory scams, and make informed decisions about your financial recovery.]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/best-credit-repair-company-consumer-guide</link><guid isPermaLink="false">691cbcf1972cbe45f900fd8d</guid><pubDate>Tue, 18 Nov 2025 19:19:05 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_6dfb0674d52f430fbdc7586c28456fc3~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[THE CREDIT SAINT FILES PART 2: The Threat That Became a Weapon]]></title><description><![CDATA[At 1:22 AM on November 12, 2025—hours after Credit Saint threatened us with a $300,000 lawsuit—I made a decision that would change everything. I would call them myself. Not as Joeziel Vazquez, the CEO they were threatening. As someone else entirely.

What I recorded over the next several days would prove every claim in their legal threat was a lie. The voicemail system that "doesn't exist." The six-day billing they claim never happens.]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/credit-saint-fraud-investigation-part-2-undercover-calls</link><guid isPermaLink="false">6918c629a4fbf71d6e5bad76</guid><category><![CDATA[scams]]></category><pubDate>Sat, 15 Nov 2025 21:32:51 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_8c049b396915435fbe2f6bc8583aabaa~mv2.png/v1/fit/w_1000,h_674,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[Understanding Credit Bureaus: A Complete Guide to How They Work and Your Consumer Rights]]></title><description><![CDATA[After 17 years in credit repair and serving over 79,000 clients, I've learned that most Americans don't understand the immense power credit bureaus hold over their financial lives. Experian, Equifax, and TransUnion collect, analyze, and distribute your financial information to lenders, employers, landlords, and insurers, yet one in five consumers has errors on their reports that could damage their credit scores.]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/understanding-credit-bureaus-guide</link><guid isPermaLink="false">6917664f1f80f6e25f61551e</guid><category><![CDATA[Fair Credit Reporting Act]]></category><category><![CDATA[Credit Bureau]]></category><pubDate>Fri, 14 Nov 2025 19:30:27 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_0190260a1c0e49cc98eabb854ce66995~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item><item><title><![CDATA[Government Shutdown Ends After 43 Days: What Happened to SNAP Benefits and ACA Credits]]></title><description><![CDATA[After 43 days, the longest government shutdown in U.S. history reaches its conclusion as the House votes to reopen the federal government. Board Certified Credit Consultant Joeziel Vazquez analyzes what happened to SNAP benefits affecting 42 million Americans, the uncertain future of ACA healthcare tax credits, and provides expert guidance for protecting your financial security during government dysfunction.]]></description><link>https://credlocityadmin.wixsite.com/credlocity/post/government-shutdown-day-43-snap-benefits-aca-credits-congress-vote</link><guid isPermaLink="false">69152ec9a15a2f891708c78d</guid><category><![CDATA[Government Shut Down]]></category><pubDate>Thu, 13 Nov 2025 01:24:29 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bed107_7bbda9a5323e4af4afe9ee1e87b55ed9~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Joeziel Vazquez</dc:creator></item></channel></rss>