Blog – Credlocity

Understanding Rebucketing: A Comprehensive Guide to Credit Score and Credit Report Rebucketing

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October 19, 2023

Blog, Credit Score

Introduction: Have you ever heard of the term ‘rebucketing’ in the context of credit scores and wondered what it means? Fear not! This blog will delve into the world of rebucketing, making it easy to understand while providing extensive details. What is Rebucketing?...

Are CPN’s illegal? Understanding Credit Privacy Numbers

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October 19, 2023

Blog

Credit Privacy Numbers (CPNs) have increasingly become a subject of debate in recent years. Several credit repair companies have marketed CPNs as a legal and quick way to improve credit scores. However, experts and authorities have often warned against these practices, citing legal...

Are Trade Lines Legal: Unraveling the Truth

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October 19, 2023

Blog

Trade lines, a term often associated with the credit industry, has been the subject of numerous debates and discussions. The central question being, “Are trade lines legal?”. This article attempts to demystify the concept of trade lines, their legality, the potential risks involved,...

How to Remove a Collection from Your Credit Report: A Comprehensive Guide

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October 19, 2023

Blog

Having a collection account on your credit report can be a daunting issue to face. It can negatively impact your credit score and hinder your chances of obtaining credit in the future. But don’t lose hope! In this comprehensive guide, we’ll take you...

Can a Collection Agency Come After You for the Rest?

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October 19, 2023

Blog

Can a Collection Agency Come After You for the Rest? One of the most common inquiries we receive at Credlocity is whether a collection agency can chase a debtor for the remaining balance of a collection account after a settlement is reached. For...

Managing Disputes with TransUnion: A Comprehensive Guide

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October 19, 2023

Blog

A significant portion of our financial health depends on the accuracy of the information held by credit reporting agencies like TransUnion. However, errors do occur, and understanding how to dispute these inaccuracies is crucial. In this comprehensive guide, we’ll explore the process of...

How to Build Credit: The Comprehensive Guide

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October 19, 2023

Blog

How to build credit image Table of Contents Introduction Building credit is a critical financial process that influences various aspects of our lives. It’s a cornerstone of a secure financial future, but it often feels like a catch-22 situation: you need credit to...

Navigating the Disputed Transaction Terrain: Your Rights, Protections, and Appeals

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October 19, 2023

Blog

Introduction When you notice an incorrect or unauthorized transaction on your credit or debit card, your immediate reaction is to dispute it. But what happens when the bank sides with the seller despite your compelling evidence? This blog post will guide you on...

WHAT IS CREDIT REPAIR

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October 19, 2023

Blog

On the internet there are a billion definitions for all words and terms. Here at Credlocity we want to provide you with an easy to understand all about credit repair. Let’s start with the very first thing: “What is credit repair?” The word...

Best Finance & Credit Apps

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October 19, 2023

Blog

Its been a while since our last blog, but I wanted to go over some of the best finance and credit apps available. There may be more and better ones but I can only tell you about my experience and the apps I’ve...