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Credlocity

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18 User Reviews

6.0

Overall Score

LAST UPDATED: April 15th, 2022

Founded in 2013, Credlocity offers comprehensive credit repair services at reasonable rates.

According to its website, Credlocity promises that it will deliver quality customer service along with a more personalized credit repair experience.

The company provides a 100 percent money-back guarantee, a free credit analysis, a secure client login, free service trials, and a fraud credit restoration package.

Read on to learn more about Credlocity and to view verified client reviews.

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The Good

  • Comprehensive Services
  • Money-Back Guarantee
  • Fraud Credit Restoration Package

Comprehensive Services

According to the company's website, Credlocity currently offers customers the following four service packages:

  • Fraud Package — costs a monthly fee of $29.95, includes a three-day free trial, and is only for clients who have experienced fraud
  • Basic Service — costs a monthly fee of $39.95 and includes a seven-day free trial and three-item dispute per month for each of the three major credit reporting agencies
  • Moderate — costs $68.95 per month and includes a 14-day free trial, credit monitoring services, six-item disputes per month for each of the three major credit bureaus as well as any other credit bureau, and ChexSystems disputes
  • Aggressive — costs $119.95 per month and includes what the Moderate package offers along with a 30-day free trial, unlimited disputes per month, a credit-builder account, and a Credlocity Protection Program 

Each package the company offers comes with a 100 percent money-back guarantee, a secure client login, and a free credit analysis. 

Money-Back Guarantee

The company offers a 100 percent money-back guarantee for customers who are not satisfied with its credit repair services. 

Credlocity allows customers to cancel services at any time without future consequence as its contracts are set on a month-to-month basis. 

Many other companies in the credit repair industry do not offer complete money-back guarantees.

Fraud Credit Restoration Package

In addition to its competitive pricing and complete money-back guarantee, Credlocity offers a unique fraud credit restoration package. 

This Fraud package is designed to help clients who have experienced fraud. Credlocity will file a fraud affidavit on behalf of customers who pay for this package. In addition, the company will also place credit freezes on customers' credit reports, have all negative items that resulted from identity theft and fraud removed. It's important to note that consumers can do these things themselves, but it is still a bonus that the company provides these services. 

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The Bad

  • Limited Website Information

Limited Website Information

Unlike some other companies in the industry, Credlocity does not appear to provide much information on its website regarding how clients can qualify for the company's money-back guarantee, how long it generally takes until clients see results, and more. 

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The Bottom Line

Credlocity offers four comprehensive credit repair packages — the Fraud package, the Basic Service package, the Moderate package, and the Aggressive package.  

The company also offers customers a 100 percent money-back guarantee along with a unique identity theft credit restoration package and a free credit analysis. 

Credlocity clients will also get a secure client login and a free trial with any plan they choose. 

Potential clients should note, however, that the company's website does lack some important information. 

If you are interested in Credlocity, we recommend that you visit the company’s website and read verified Credlocity reviews to learn more about what the company has to offer. 

View Best Credit Repair Companies

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18 Reviews

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Review Source

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Tommy Sinclair Philadelphia, PA

I love credlocity and joey is amazing. Only thing I can and will recommend is that joey hire more people. They do what they say they are going to do, very honest, and responded to all my text messages, however I do want to emphasis that calling customer care can be a pain you will get voicemail most of the time, so texting is always best because every single text is answered almost immediately

1 month ago

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Dustin Berry Philadelphia, PA

I will forever recommend Ficostar I mean they literally saved my life! I’m not being dramatic I was so depressed because of my credit score and depressed because I was denied for everything I applied for, Jobs, loans, cars, etc., but after I got help from Ficostar I was able to get a better job and buy my house, and even get a 2020 Jeep! I’m just so happy thank you Ficostar

2 months ago

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Mara Miller Philadelphia, PA

100% the freaking best! Joey literally held my hand throughout the whole thing! From me being skeptical because of what LexingtonLaw, and Credit Repair.com did to me and basically wasting 3 years and only getting a 30 point increase between both lexington and creditrepairdotcom. In my first 4 months I got over 100 point increase and all 4 fraudulent accounts were removed from my credit report, my 6 collection accounts gone, and Joey recommended I sign up for credit building stuff that helped me build good credit. I already had a first premier bank card for 3 years with no late payments but the fraud and collections were slowing my credit score increase. Now after a 7 months im finally done with Ficostar and let me tell you how happy I am that I am in the low 800's!!!!

3 months ago

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Review Source

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Diemmy Le Sugar Land, TX

I found out that I had a charge off (one of the worst things you could have on your credit report), for 3 years. It was 3 years that this was on my credit. I thought I wouldn’t ever be able to get it off myself. I tried so hard to have the credit card company state that it wasn’t me that opened and closed a card with a balance on it and it was far too gone past that it became a charge off. I came to Ficostar Credit for help and am so glad I put my faith in Joeziel, who told me that he’s confident he can get it off and get my score to almost perfect. I can finally plan on buying a house, which I’ve been waiting so long to do. Not only has Joeziel helped with every little inquiry on my credit, he’s taught me a lot of tips that will help me keep my score high. If you ever have a doubt that your credit is nowhere near repair, just believe that I started off with a credit score of 520 and am now at the 800’s due to the hard work and dedication that Ficostar Credit Services provide. I’m literally ecstatic and can look forward to finally buying a house I can call a home of my own!

1 year ago

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Veronica silas Philadelphia, PA

So I have been around the block when it comes to credit repair companies. I’ve tried them all! Lexington law, creditrepair.com, skyblue, etc. But to be honest non of them were as good as fico star credit repair services, Joey was awesome to deal with he was very personable and always got back to be in a fast turn around time frame. I wished I would have just picked him to begin with. First let’s me tell you that I have been trying to fix my credit for 5 years with different companies and literally in those 5 years I had 2 inquiries come off and 1 collection account (which I suspect fell off over time not anything Lexington law did for me) in 9 months I had 37 inquiries deleted and a bankruptcy removed and about a dozen collection account los deleted. I told Joey I would write a review for him and his company and I gave him permission to post my results on his social media. This is a 100% legit guy here and it’s very personal not conveyer like feeling you only deal with 1 person I had the luck to deal directly with Joey and he worked out a special price for me.

2 years ago

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luis gonzalez ,

Ficostar credit services did an outstanding job at helping me fix my credit score. I was in the process of home buying, and my score was poorly impacted by Debt and stuff that wasn’t mine. They helped take off all my negative remarks and got my credit score to a 720 and I am thankful because I’ve tried Lexington law and they did nothing for me. The best part about it was the fact that it was cheap. I recommend it to anyone who needs credit repair.

2 years ago

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Kevin G Philadelphia, PA

With Ficostar they do offer everything they said they would offer and they were very knowledgeable with credit repair laws. My only problem is that it took them 3 days to reach out to me after submitting my online request for more information. But the Customer service was great and I started to receive results in about a month and a half. I will follow up with another review but for now I am satisfied with the overall work being performed by them. Also its worth mentioning that I was not charged anything up front, no start up fee, or setup fee, or any type of fee until my 10th day when they already started the process for me. If they can perfect their response time I will be able to change it from a 4 star to a 5 star!

2 years ago

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Reply from Credlocity

I am so sorry we did not meet your expectations with turn around time. Please keep in mind that credit repair is a high demand service and at times response time may take a little longer than usual but we strive to ensure no one waits longer than 24 hours. Please log into your portal so that you can chat us in the event that you can not reach us via phone. Thanks!

Apr. 18th, 2020

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Martha Smith Philadelphia, PA

I have been with ficostar credit services for 4 months and I have repeatedly called them almost on a daily basis with different questions. I will write an update but I just want to say that they are very responsive and never get mad or bothered. Excellent customer services and I am able to log in and see what is going on with my credit and exactly what they are doing!!!!! Great couldnt have asked for anything better!

2 years ago

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Review Source

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Jessica Owens New York, NY

It was honestly great to see someone that care n believe in every part of step within me. I’m not perfect but can’t wait to have perfect credit so I can buy a house

7 months ago

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Katrina Delgado Philadelphia, PA

Great guys. Good services and fast and reliable.

1 month ago

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Henry W Philadelphia, PA

The best part was my free trial. No one else offers it. They made good on their promise 4 months was all it took. A medium score of 566 is now a medium score of 728! Fast response and literally round the clock customer service. You can text these guys at 11pm and they will respond.

2 years ago

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Reply from Credlocity

Thank you for your kind review!

May. 24th, 2020

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Matty Philadelphia, PA

OMG is all I have to say. Actually I can say more they are the best, so cheap, free trial, and tailored my disputes to my personal situation. They didn’t only help me remove negative items from my credit report but they also recommended a good credit card and good loan to help me build good credit they are literally the best!

2 years ago

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Reply from Credlocity

Thank you for your kind and honest review !

May. 24th, 2020

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Diaz Diaz Philadelphia, PA

The gentleman over at Ficostar that helped me with my credit was very knowledgeable, helpful, and informative. They did everything for me, I didn’t have to do much of anything. My credit is exactly where it needs to be thanks to Ficostar’s Credit Services.

2 years ago

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E Zimmerman Reinholds, PA

I can honestly say that after 15 months with Ficostar, I have a perfect score! Actually the most perfect score 788 Fico score. There was so much on my credit reports both inaccurate and accurate, but outdated, and Ficostar definetly helped me out! Thanks Joey! Honestly I really love these guys they are the best.

2 years ago

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Jay T Philadelphia, PA

Been dealing with Ficostar for about 7 months now and at first I thought they were taking my money I was so upset then I started to receive mail from the credit bureaus showing certain things deleted my score jumped from 466 to a 698 not where I want to be yet but I have faith in them!

3 years ago

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rhea batta Philadelphia, PA

I cant Thank enough that I went to ficostar the Service are Really good especially Joey his Really nice very patients and answer all my questions his very kind and sweet I Will Def recemmend to people the ficostar..

2 years ago

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Joanie Ambrosio San Francisco, CA

Super helpful, very simple sign up process, helps clients at every step and gets results.

1 year ago

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william issac ,

Organized & concise website! Recommended

2 years ago