Frequently Asked Questions

For most people, understanding their financial documents and accounts is daunting and intimidating. Credlocity is here to make it easy by helping you navigate through the process with our FAQs. Please let us know if you still have questions.
Credit bureaus generally consider a good credit score to be anything above 650, however creditors generally consider 720 and above as “desirable”
Credit bureaus typically consider anything below 600 to be a bad credit score, it will be very hard to get any type of unsecured credit with a score below 600.
Your FICO® Score is used in 90% of all lending decisions, but each of the three credit bureaus also has a customized credit score called a Vantagescore®.
The main credit scores range from 300 – 850.
There are 3 Major credit bureaus. TransUnion, Equifax, and Experian. There are also about 5 other credit bureaus: ChexSystems LexisNexis Moody’s Dun & Bradstreet
A credit bureau is a company that collects information relating to your financial habits, and makes this information available to lending institutions and credit card companies.
A creditor is someone who provides credit. This includes, but is not limited to, banks, collection agencies and even car dealerships. They report your repayment progress to the credit bureaus, who then use that information to build your credit profile.
This depends on what score you want. Do you want your VantageScore? Do you want your FicoScore. Some services offer free credit scores. Like CreditKarma, some you have to pay for like SmartCredit.
No, your credit score is just one component of your credit report. Your credit report also includes your identifying information, trade lines, credit history, credit inquiries, public records, collections and other late payment information.
Your credit report contains things like your identifying information (Address, names, alias,DOB, and employer), trade lines, credit limits, account names, credit history, credit inquiries, public records (Bankruptcies and Foreclosures), collections, late payment information, and in some instances your credit score.
Employers are allowed by federal law to see a modified version of your credit report for purposes of hiring and promotion, though in California this is limited to jobs with financial or management responsibilities. Your employer, or potential employer, is required to get your permission before accessing your credit report, but yes, it could cost you a job or promotion.
The Credit Repair Organizations Act gives consumers the right to cancel their services anytime they want. At Credlocity we make it easy to cancel, by clicking on the link that says “I want to cancel” or you can contact us via email, phone, text message, and even social media.
Credit repair is the process of fixing poor credit standing that may have deteriorated for a variety of different reasons. Repairing credit standing may be as simple as disputing mistaken information with the credit agencies. Identity theft, and the damage incurred, may require extensive credit repair work.Another form of credit repair is to deal with fundamental financial issues, such as budgeting, and begin to address legitimate concerns on the part of lenders.
You have a right to an accurate, fair and substantiated credit report. If something on your credit is inaccurate or unfair, you can correct/repair it with the credit bureaus and your creditors.
Tricky question! While we can not guarantee a specific outcome or time frame Credlocity does strive to have you at your desired score goal within 3-9 months.
Credlocity offers a variety of service levels to match your unique needs. Some of these services we offer for free. And all of our packages come with a free trial, meaning no charge at all until the trial is over and you cancel without penalty.
You absolutely can! This is your right! You can contact the credit bureaus and your creditors to get any questionable negative items removed your credit reports. However, this process is time consuming and confusing. Working with a reputable credit repair law firm like Credlocity can help you remove these items from your reports quickly and efficiently. To get started click here.
Think of credit repair like an investment. A little effort today could lead to thousands of dollars in savings tomorrow. We offer a variety of service levels to support every budget. Give us a call today and we’ll help you find the right service for your unique circumstance.
Credit repair is the process of fixing errors, inaccuracies, and other issues on your credit report that may be negatively affecting your credit score.
Yes, bad credit can be corrected or deleted by disputing errors on your credit report with the credit bureaus.
Yes, credit repair can work if you have errors on your credit report that are negatively affecting your score.
Credit repair can take anywhere from a few weeks to several months depending on the complexity of the issues on your credit report.
The cost of credit repair varies depending on the company you choose and the complexity of the issues on your credit report. However Credlocity offers low cost, inexpensive credit repair packages with 100% money back guaranteed, and a 30 day free trial.
You can do it yourself if you have the time and knowledge to dispute errors on your credit report. However, if you don’t have the time or knowledge, hiring a Credlocity may be a good option.
You should start repairing your credit as soon as possible if you have errors on your credit report that are negatively affecting your score.
The costs associated with our service vary depending on the plan you pick. We have several plans which outline the cost to our services.
Yes, we offer email communication as well as phone communication, social media communication, text, and communication via our online client portal for our clients.

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