Our credit repair services start at $179.95 per month. We also offer a free 30-day trial and a 100% money-back guarantee if your credit score does not improve.

Most negative items remain on credit reports for 7 years, including late payments, collections, charge-offs, and foreclosures. Bankruptcies can stay for 7-10 years (Chapter 13 for 7 years, Chapter 7 for 10 years). Hard inquiries remain for 2 years. However, their impact on your score decreases over time.

Collections can be removed by: 1) Disputing inaccurate information with credit bureaus, 2) Requesting validation from the collection agency, 3) Negotiating a pay-for-delete agreement, 4) Waiting for the 7-year reporting period to expire, or 5) Hiring a professional credit repair service like Credlocity to dispute on your behalf using FDCPA and FCRA violations.

Credlocity stands out as a Hispanic-owned business operating since 2008 with over 79,000 satisfied clients. We offer free trials with all packages, a 180-day money-back guarantee, comprehensive budgeting tools, and personalized credit education. Our experienced team has removed 3.6 million dollars in debt and we serve clients nationwide across all 50 states.

Yes! Credlocity is proud to offer free trials with all our credit repair packages. You can experience our professional services with no upfront costs or commitment. During your free trial, we'll review your credit report, identify negative items, and begin the dispute process so you can see our approach risk-free.

Credlocity offers a 100%, 180-day money-back guarantee. If we don't successfully remove any negative items from your credit report within 180 days of starting service, you'll receive a complete refund. We stand by our commitment to delivering real results for our clients.

Credlocity has been helping Americans improve their credit since 2008, giving us over 16 years of experience in the credit repair industry. Originally operating as Ficostar Credit Services, we rebranded to Credlocity to better serve our growing nationwide client base with proven credit restoration solutions.

Credlocity is headquartered in Philadelphia, Pennsylvania at 1500 Chestnut Street, Suite 2, Philadelphia, PA 19102. As a proud Hispanic-owned and operated business based in Philadelphia, we serve diverse clients across all 50 states with professional credit repair services nationwide.