1"use strict";(self.webpackChunkfrontend=self.webpackChunkfrontend||[]).push([[2066],{32066(e,t,r){r.r(t),r.d(t,{default:()=>l});r(65043);var i=r(36322),a=r(49367),s=r(82153),n=r(70579);const o=[{q:"Can Credlocity help veterans and active duty military with credit repair?",a:"Yes. Credlocity has served 79,000+ clients since 2008, including thousands of veterans and active duty servicemembers. We understand the unique credit challenges military families face \u2014 from deployment-related missed payments to identity theft on base \u2014 and we dispute inaccurate items under the FCRA on your behalf."},{q:"How does the Servicemembers Civil Relief Act (SCRA) protect my credit?",a:"The SCRA limits interest rates on pre-service debts to 6% while you are on active duty, requires creditors to halt certain civil proceedings, and provides other financial protections. However, the SCRA does not automatically remove negative items already on your credit report \u2014 that is where FCRA-based credit repair comes in. Our team cross-references SCRA protections when building your dispute strategy."},{q:"Will working with a credit repair company affect my security clearance?",a:"Working with a reputable, CROA-compliant credit repair company like Credlocity is a lawful and recognized process. In fact, improving your credit score can positively affect a security clearance review, since financial responsibility is a key adjudicative guideline used by the Department of Defense. We operate fully within the law \u2014 no fraudulent methods, no false disputes, no file segregation schemes."},{q:"How long does military credit repair typically take?",a:"Most clients see initial dispute results within 30\u201345 days. The average client achieves meaningful score improvement over 3\u20136 months depending on the complexity of their file. We offer a 30-day free trial so you can see real results before any commitment."},{q:"Do you offer a military or veteran discount?",a:"We offer a special military and veteran appreciation discount. After your free consultation, your advisor will apply the discount to your service agreement before you sign. No upfront fees are ever charged \u2014 consistent with our CROA and TSR obligations. You pay only after work is performed."},{q:"Can Credlocity help me qualify for a VA home loan by repairing my credit?",a:"Yes. Many of our military clients come to us specifically to reach the credit score threshold needed to qualify for a VA loan. Our FCRA-certified team works to remove inaccurate negative items, advise on credit building strategies, and help you hit your target score for VA loan eligibility."},{q:"What if negative items were added to my credit report while I was deployed?",a:"This is one of the most common situations we handle. If you were on deployment and a creditor reported late payments or collections during that period \u2014 especially if SCRA protections applied \u2014 those items may be disputable as inaccurate or unfair under both the FCRA and the SCRA. We will review your deployment dates against your credit history and build the appropriate dispute letters."},{q:"Is credit repair legal? Is Credlocity a legitimate company?",a:"Credit repair is fully legal under the Fair Credit Reporting Act (FCRA). Credlocity is a licensed credit repair organization operating under the Credit Repair Organizations Act (CROA) and the FTC's Telemarketing Sales Rule (TSR). We have been in business since 2008 with 79,000+ clients served. We provide a written service agreement, honor the 3-day right of cancellation, and never charge upfront fees \u2014 all as required by law."},{q:"What is the difference between SCRA protections and FCRA credit repair?",a:"The SCRA is a federal law that provides real-time financial protections to active duty servicemembers \u2014 such as capping interest rates and pausing legal proceedings. The FCRA gives every consumer the right to dispute inaccurate, incomplete, or unverifiable information on their credit report. Credit repair uses the FCRA dispute process to challenge items that should not be there. The two work together: SCRA may give us additional grounds for a dispute if a creditor violated your active-duty protections."}];function l(){const{openFreeTrial:e}=(0,s.W)(),t={"@context":"https://schema.org","@type":"FAQPage",mainEntity:o.map(e=>{let{q:t,a:r}=e;
1return{"@type":"Question",name:t,acceptedAnswer:{"@type":"Answer",text:r}}})},r={"@context":"https://schema.org","@type":"BreadcrumbList",itemListElement:[{"@type":"ListItem",position:1,name:"Home",item:"https://credlocity.com/"},{"@type":"ListItem",position:2,name:"Credit Repair Services",item:"https://credlocity.com/how-it-works"},{"@type":"ListItem",position:3,name:"Military Credit Repair",item:"https://credlocity.com/credit-repair-for-veterans-military"}]},l={"@context":"https://schema.org","@type":"WebPage",name:"Military & Veteran Credit Repair | Credlocity",description:"Credit repair for active duty military, veterans, National Guard, and military spouses. SCRA-informed disputes, VA loan prep, security clearance support. 30-day free trial. No upfront fees.",url:"https://credlocity.com/credit-repair-for-veterans-military",inLanguage:"en-US",publisher:{"@type":"Organization",name:"Credlocity Business Group LLC",url:"https://credlocity.com",logo:{"@type":"ImageObject",url:"https://credlocity.com/logo.png"}},breadcrumb:r,mainEntity:{"@type":"Service",name:"Military & Veteran Credit Repair"},about:{"@type":"Thing",name:"Credit Repair for Military Personnel and Veterans"},keywords:"military credit repair, veteran credit repair, SCRA credit dispute, VA loan credit score, security clearance credit repair, active duty credit help, veteran credit score improvement"};return(0,n.jsxs)("div",{className:"min-h-screen bg-white",children:[(0,n.jsxs)(a.mg,{children:[(0,n.jsx)("title",{children:"Military & Veteran Credit Repair | Credlocity \u2014 SCRA-Informed, VA Loan Ready"}),(0,n.jsx)("meta",{name:"description",content:"Credit repair for active duty military, veterans, National Guard, and military spouses. SCRA-informed disputes, VA loan preparation, security clearance support. 30-day free trial. No upfront fees. Serving since 2008."}),(0,n.jsx)("meta",{name:"keywords",content:"military credit repair, veteran credit repair, SCRA credit dispute, VA loan credit score, security clearance credit repair, active duty credit help, credit repair for veterans, military credit score improvement, credit repair for servicemembers"}),(0,n.jsx)("link",{rel:"canonical",href:"https://credlocity.com/credit-repair-for-veterans-military"}),(0,n.jsx)("meta",{property:"og:title",content:"Military & Veteran Credit Repair | Credlocity"}),(0,n.jsx)("meta",{property:"og:description",content:"SCRA-informed credit repair for veterans and active duty military. VA loan prep, security clearance support. 30-day free trial, no upfront fees."}),(0,n.jsx)("meta",{property:"og:url",content:"https://credlocity.com/credit-repair-for-veterans-military"}),(0,n.jsx)("meta",{property:"og:type",content:"website"}),(0,n.jsx)("meta",{property:"og:site_name",content:"Credlocity"}),(0,n.jsx)("meta",{name:"twitter:card",content:"summary_large_image"}),(0,n.jsx)("meta",{name:"twitter:title",content:"Military & Veteran Credit Repair | Credlocity"}),(0,n.jsx)("meta",{name:"twitter:description",content:"SCRA-informed credit repair for veterans and active duty military. VA loan prep, security clearance support. 30-day free trial."}),(0,n.jsx)("script",{type:"application/ld+json",children:JSON.stringify({"@context":"https://schema.org","@type":"Service",name:"Military & Veteran Credit Repair",provider:{"@type":"LocalBusiness",name:"Credlocity Business Group LLC",url:"https://credlocity.com",address:{"@type":"PostalAddress",streetAddress:"1500 Chestnut Street Suite 2",addressLocality:"Philadelphia",addressRegion:"PA",postalCode:"19102",addressCountry:"US"},foundingDate:"2008",numberOfEmployees:{"@type":"QuantitativeValue",value:10}},serviceType:"Credit Repair",description:"FCRA-compliant credit repair services for active duty military, veterans, National Guard, Reserve members, and military spouses. We dispute inaccurate items, leverage SCRA protections, and help servicemembers qualify for VA loans and maintain security clearances.",areaServed:{"@type":"Country",name:"United States"},audience:{"@type":"Audience",audienceType:"Military Personnel, Veterans, Military Spouses"},offers:{"@type":"Offer",priceCurrency:"USD",price:"0",description:"30-day free trial \u2014 no upfront fees. Military appreciation discount applied at enrollment.",availability:"https://schema.org/InStock"},hasOfferCatalog:{"@type":"OfferCatalog",name:"Military Credit Repair Services",itemListElement:[{"@type":"Offer",itemOffered:{"@type":"Service",name:"SCRA-Informed Credit Dispute"}},{"@type":"Offer",itemOffered:{"@type":"Service",name:"VA Loan Credit Score Preparation"}},{"@type":"Offer",itemOffered:{"@type":"Service",name:"Security Clearance Credit Remediation"}},{"@type":"Offer",itemOffered:{"@type":"Service",name:"Deployment-Era Negative Item Disputes"}}]}})}),(0,n.jsx)("script",{type:"application/ld+json",children:JSON.stringify(t)}),(0,n.jsx)("script",{type:"application/ld+json",children:JSON.stringify(r)}),(0,n.jsx)("script",{type:"application/ld+json",children:JSON.stringify(l)})]}),(0,n.jsxs)("section",{className:"bg-[#012697] text-white py-16 px-4 relative overflow-hidden",children:[(0,n.jsx)("div",{className:"absolute inset-0 opacity-10",style:{backgroundImage:"repeating-linear-gradient(45deg, transparent, transparent 35px, rgba(255,255,255,.05) 35px, rgba(255,255,255,.05) 70px)"}}),(0,n.jsxs)("div",{className:"max-w-5xl mx-auto relative",children:[(0,n.jsxs)("nav",{className:"text-xs text-blue-300 mb-6","aria-label":"Breadcrumb",children:[(0,n.jsx)(i.N_,{to:"/",className:"hover:text-white",children:"Home"}),(0,n.jsx)("span",{className:"mx-2",children:"/"}),(0,n.jsx)(i.N_,{to:"/how-it-works",className:"hover:text-white",children:"Services"}),(0,n.jsx)("span",{className:"mx-2",children:"/"}),(0,n.jsx)("span",{className:"text-white",children:"Military Credit Repair"})]}),(0,n.jsxs)("div",{className:"inline-flex items-center gap-2 bg-white/10 border border-white/20 rounded-full px-4 py-1.5 text-sm font-medium mb-6",children:[(0,n.jsx)("span",{children:"\ud83c\udf96\ufe0f"}),(0,n.jsx)("span",{children:"Serving Veterans & Active Duty Since 2008"})]}),(0,n.jsxs)("h1",{className:"font-cinzel text-3xl md:text-5xl font-bold mb-5 leading-tight",children:["Military & Veteran",(0,n.jsx)("br",{className:"hidden md:block"})," Credit Repair"]}),(0,n.jsx)("p",{className:"text-lg md:text-xl text-blue-100 max-w-3xl mb-8 leading-relaxed",children:"You served your country. We serve your financial future. Credlocity delivers FCRA-compliant, SCRA-informed credit repair for active duty servicemembers, veterans, National Guard, Reserve, and military spouses \u2014 with no upfront fees and a 30-day free trial."}),(0,n.jsxs)("div",{className:"flex flex-col sm:flex-row gap-4 mb-10",children:[(0,n.jsx)("button",{type:"button",onClick:e,className:"bg-[#59a52c] hover:bg-green-600 text-white font-bold px-8 py-3.5 rounded-xl text-center transition-colors",children:"Claim Your Military Discount \u2014 Start Free Trial"}),(0,n.jsx)(i.N_,{to:"/intake",className:"bg-white/10 border border-white/30 hover:bg-white/20 text-white font-semibold px-8 py-3.5 rounded-xl text-center transition-colors",children:"Book a Free Consultation"})]}),(0,n.jsx)("div",{className:"grid grid-cols-2 md:grid-cols-4 gap-4",children:[{stat:"79K+",label:"Clients Served",sub:"Since 2008"},{stat:"17",label:"Years in Business",sub:"Est. 2008, Philadelphia"},{stat:"30",label:"Day Free Trial",sub:"See results first"},{stat:"$0",label:"Upfront Fee",sub:"Pay after work is done"}].map(e=>{let{stat:t,label:r,sub:i}=e;return(0,n.jsxs)("div",{className:"bg-white/10 border border-white/20 rounded-xl p-4 text-center",children:[(0,n.jsx)("div",{className:"text-2xl md:text-3xl font-bold",children:t}),(0,n.jsx)("div",{className:"text-sm font-semibold text-blue-100 mt-1",children:r}),(0,n.jsx)("div",{className:"text-xs text-blue-300 mt-0.5",children:i})]},r)})})]})]}),(0,n.jsx)("section",{className:"bg-amber-50 border-y border-amber-200 py-8 px-4",children:(0,n.jsx)("div",{className:"max-w-5xl mx-auto",children:(0,n.jsxs)("div",{className:"flex flex-col md:flex-row items-start gap-4",children:[(0,n.jsx)("div",{className:"text-3xl",children:"\u2696\ufe0f"}),(0,n.jsxs)("div",{children:[(0,n.jsx)("h2",{className:"text-lg font-bold text-amber-900 mb
1-2",children:"Know Your Rights: The Servicemembers Civil Relief Act (SCRA)"}),(0,n.jsxs)("p",{className:"text-amber-800 text-sm leading-relaxed max-w-3xl",children:["The SCRA is a federal law that protects active duty servicemembers from certain financial obligations during deployment \u2014 including capping interest rates at 6% on pre-service debts, pausing mortgage foreclosures, and limiting civil court actions. ",(0,n.jsx)("strong",{children:"However, SCRA protections do not automatically clean your credit report."})," Many veterans return from deployment to find inaccurate negative items that should never have been reported. Our team uses both FCRA dispute rights and SCRA violation arguments to challenge those items."]}),(0,n.jsx)(i.N_,{to:"/fcra-guide",className:"inline-block mt-3 text-sm text-amber-800 font-semibold hover:text-amber-900 underline underline-offset-2",children:"Read our FCRA Dispute Guide \u2192"})]})]})})}),(0,n.jsx)("section",{className:"py-14 px-4 bg-white",children:(0,n.jsxs)("div",{className:"max-w-5xl mx-auto",children:[(0,n.jsx)("h2",{className:"font-cinzel text-2xl md:text-3xl font-bold text-[#012697] text-center mb-3",children:"Why Military Service Creates Credit Challenges"}),(0,n.jsx)("p",{className:"text-gray-600 text-center max-w-2xl mx-auto mb-10",children:"Serving your country can come at an unexpected financial cost. These are the most common credit problems we see in military files \u2014 and every one of them is disputable."}),(0,n.jsx)("div",{className:"grid md:grid-cols-2 lg:grid-cols-3 gap-6",children:[{icon:"\ud83e\ude96",title:"Deployment-Era Missed Payments",desc:"Servicemembers on deployment often miss payment due dates \u2014 especially for debts creditors refused to defer. If SCRA protections applied, these late marks may be wrongfully reported."},{icon:"\ud83d\udd12",title:"Security Clearance at Risk",desc:"A poor credit score or derogatory items can jeopardize a security clearance. The DoD's adjudicative guidelines weigh financial responsibility heavily. We work to remove what should not be there."},{icon:"\ud83c\udfe0",title:"VA Loan Qualification",desc:"Most lenders require a minimum 620\u2013640 credit score for a VA loan, even though the VA itself has no minimum. Inaccurate items blocking that threshold are worth disputing."},{icon:"\ud83c\udd94",title:"Military Identity Theft",desc:"Military personnel are targeted at a higher rate for identity theft, including synthetic identity fraud. We dispute all fraudulent accounts under the FCRA's identity theft provisions."},{icon:"\ud83d\udce6",title:"PCS Move Financial Disruption",desc:"Permanent Change of Station (PCS) moves are costly and chaotic. Bills get lost, utilities go unpaid during transition, and collections appear months later from the old address."},{icon:"\ud83c\udf96\ufe0f",title:"Post-Separation Financial Stress",desc:"Transitioning from military to civilian life can create income gaps. We help veterans re-establish credit responsibly and remove items that don't reflect their true creditworthiness."}].map(e=>{let{icon:t,title:r,desc:i}=e;return(0,n.jsxs)("div",{className:"border border-gray-100 rounded-2xl p-6 shadow-sm hover:shadow-md transition-shadow",children:[(0,n.jsx)("div",{className:"text-3xl mb-3",children:t}),(0,n.jsx)("h3",{className:"font-semibold text-gray-900 mb-2",children:r}),(0,n.jsx)("p",{className:"text-gray-600 text-sm leading-relaxed",children:i})]},r)})})]})}),(0,n.jsx)("section",{className:"py-14 px-4 bg-gray-50",children:(0,n.jsxs)("div",{className:"max-w-5xl mx-auto",children:[(0,n.jsx)("h2",{className:"font-cinzel text-2xl md:text-3xl font-bold text-[#012697] text-center mb-3",children:"What Credlocity Does for Military Clients"}),(0,n.jsx)("p",{className:"text-gray-600 text-center max-w-2xl mx-auto mb-10",children:"Our FCRA-certified team builds a custom dispute strategy around your military service history \u2014 not a generic template."}),(0,n.jsxs)("div",{className:"grid md:grid-cols-2 gap-8",children:[(0,n.jsx)("div",{className:"space-y-5",children:[{title:"SCRA-Informed Dispute Letters",desc:"We cross-reference your deployment dates with negative items on your report. If a creditor violated your SCRA rights, we cite that in the dispute \u2014 adding legal weight that standard dispute letters lack."},{title:"All Three Credit Bureaus",desc:"We dispute inaccurate items with Equifax, Experi
1an, and TransUnion simultaneously. Every negative item gets reviewed \u2014 late payments, collections, charge-offs, medical debt, and more."},{title:"VA Loan Score Strategy",desc:"If your goal is VA loan qualification, we target the specific items dragging your score below your lender's minimum threshold and advise on credit-building steps to accelerate your timeline."},{title:"Identity Theft Dispute Support",desc:"We file 605B block requests and FCRA identity theft disputes for fraudulent accounts. Military personnel have enhanced rights under the FCRA's identity theft provisions."}].map(e=>{let{title:t,desc:r}=e;return(0,n.jsxs)("div",{className:"flex gap-4",children:[(0,n.jsx)("div",{className:"mt-1 w-6 h-6 rounded-full bg-[#59a52c] flex items-center justify-center flex-shrink-0",children:(0,n.jsx)("svg",{className:"w-3.5 h-3.5 text-white",fill:"none",stroke:"currentColor",viewBox:"0 0 24 24",children:(0,n.jsx)("path",{strokeLinecap:"round",strokeLinejoin:"round",strokeWidth:3,d:"M5 13l4 4L19 7"})})}),(0,n.jsxs)("div",{children:[(0,n.jsx)("p",{className:"font-semibold text-gray-900 mb-1",children:t}),(0,n.jsx)("p",{className:"text-gray-600 text-sm leading-relaxed",children:r})]})]},t)})}),(0,n.jsx)("div",{className:"space-y-5",children:[{title:"Security Clearance Credit Remediation",desc:"Financial issues are a leading cause of security clearance denial or revocation. We work to remove inaccurate derogatory items and provide documentation of your dispute process to support clearance reinstatement efforts."},{title:"No Upfront Fees \u2014 Ever",desc:"Federal law (CROA and TSR) prohibits credit repair companies from charging before services are performed. We honor this fully. You receive a written service agreement, a 3-day right of cancellation, and pay only after dispute work is done."},{title:"Military Appreciation Discount",desc:"Active duty, veterans, National Guard, Reserve members, and military spouses qualify for our military appreciation discount. Ask your advisor about current pricing during your free consultation."},{title:"Dedicated Case Advisor",desc:"Every military client is assigned a dedicated case advisor who monitors your disputes, provides monthly progress updates, and answers questions throughout the process."}].map(e=>{let{title:t,desc:r}=e;return(0,n.jsxs)("div",{className:"flex gap-4",children:[(0,n.jsx)("div",{className:"mt-1 w-6 h-6 rounded-full bg-[#012697] flex items-center justify-center flex-shrink-0",children:(0,n.jsx)("svg",{className:"w-3.5 h-3.5 text-white",fill:"none",stroke:"currentColor",viewBox:"0 0 24 24",children:(0,n.jsx)("path",{strokeLinecap:"round",strokeLinejoin:"round",strokeWidth:3,d:"M5 13l4 4L19 7"})})}),(0,n.jsxs)("div",{children:[(0,n.jsx)("p",{className:"font-semibold text-gray-900 mb-1",children:t}),(0,n.jsx)("p",{className:"text-gray-600 text-sm leading-relaxed",children:r})]})]},t)})})]})]})}),(0,n.jsx)("section",{className:"py-14 px-4 bg-white",children:(0,n.jsxs)("div",{className:"max-w-5xl mx-auto",children:[(0,n.jsx)("h2",{className:"font-cinzel text-2xl md:text-3xl font-bold text-[#012697] text-center mb-3",children:"How It Works \u2014 3 Simple Steps"}),(0,n.jsx)("p",{className:"text-gray-600 text-center max-w-xl mx-auto mb-12",children:"We handle everything. All you need to do is provide your information and let us go to work."}),(0,n.jsx)("div",{className:"grid md:grid-cols-3 gap-8",children:[{step:"1",title:"Free Consultation",desc:"Book a free, no-obligation consultation. Your advisor reviews your credit situation, explains what can be disputed, and answers any questions \u2014 including about your military-specific circumstances.",time:"Day 1"},{step:"2",title:"We Dispute on Your Behalf",desc:"We prepare and send FCRA-compliant dispute letters to all three bureaus and to creditors directly where appropriate. Military service history and SCRA protections are factored
1into every letter.",time:"Days 2\u201345"},{step:"3",title:"You See Results",desc:"Bureau responses come back within 30\u201345 days. We review every response, challenge continued reporting where warranted, and provide you a full progress report each month.",time:"30\u2013180 days"}].map(e=>{let{step:t,title:r,desc:i,time:a}=e;return(0,n.jsxs)("div",{className:"relative text-center",children:[(0,n.jsx)("div",{className:"w-14 h-14 bg-[#012697] text-white rounded-full flex items-center justify-center text-2xl font-bold mx-auto mb-4 shadow-lg",children:t}),(0,n.jsx)("div",{className:"text-xs font-semibold text-[#59a52c] uppercase tracking-wider mb-2",children:a}),(0,n.jsx)("h3",{className:"font-cinzel text-lg font-bold text-gray-900 mb-3",children:r}),(0,n.jsx)("p",{className:"text-gray-600 text-sm leading-relaxed",children:i})]},t)})}),(0,n.jsx)("div",{className:"text-center mt-10",children:(0,n.jsx)(i.N_,{to:"/how-it-works",className:"text-[#012697] font-semibold hover:underline text-sm",children:"Learn more about our full process \u2192"})})]})}),(0,n.jsx)("section",{className:"py-14 px-4 bg-[#012697] text-white",children:(0,n.jsxs)("div",{className:"max-w-5xl mx-auto",children:[(0,n.jsx)("h2",{className:"font-cinzel text-2xl md:text-3xl font-bold text-center mb-3",children:"Programs Built for Military Families"}),(0,n.jsx)("p",{className:"text-blue-100 text-center max-w-2xl mx-auto mb-10",children:"Every credit situation is different. These are the most common goals our military clients come to us with."}),(0,n.jsx)("div",{className:"grid md:grid-cols-2 gap-6",children:[{icon:"\ud83c\udfe0",title:"VA Loan Readiness Program",desc:"We help you identify and dispute every inaccurate item holding your score below the VA loan threshold. Most clients achieve their target score within 90\u2013180 days. We coordinate directly with your lender's required score if needed."},{icon:"\ud83d\udd10",title:"Security Clearance Credit Review",desc:"We provide a comprehensive review of your credit report in the context of DoD adjudicative financial guidelines and work to remove inaccurate derogatory items. We can also provide dispute documentation for your security officer."},{icon:"\u2708\ufe0f",title:"Deployment Recovery Program",desc:"If you returned from deployment to find a damaged credit report, we review your service dates against every negative item and dispute items that should have been protected or were incorrectly reported during your absence."},{icon:"\ud83c\udfaf",title:"Military Transition Credit Rebuild",desc:"Separating from the military? We help you build civilian credit from the ground up \u2014 disputing any erroneous items, advising on credit-builder products, and helping you establish the score you need for housing, auto financing, and employment."}].map(e=>{let{icon:t,title:r,desc:i}=e;return(0,n.jsxs)("div",{className:"bg-white/10 border border-white/20 rounded-2xl p-6",children:[(0,n.jsx)("div",{className:"text-3xl mb-3",children:t}),(0,n.jsx)("h3",{className:"font-semibold text-lg mb-2",children:r}),(0,n.jsx)("p",{className:"text-blue-100 text-sm leading-relaxed",children:i})]},r)})})]})}),(0,n.jsx)("section",{className:"py-14 px-4 bg-gray-50",children:(0,n.jsxs)("div",{className:"max-w-5xl mx-auto",children:[(0,n.jsx)("h2",{className:"font-cinzel text-2xl md:text-3xl font-bold text-[#012697] text-center mb-3",children:"Why Military Families Choose Credlocity"}),(0,n.jsx)("p",{className:"text-gray-600 text-center max-w-xl mx-auto mb-10",children:"17 years in business. 79,000+ clients. Zero federal enforcement actions. We are the credit repair company that military families trust."}),(0,n.jsx)("div",{className:"grid grid-cols-2 md:grid-cols-4 gap-6 mb-12",children:[{stat:"79,000+",label:"Clients Served",sub:"Since 2008"},{stat:"236",label:"Avg. Score Increase",sub:"Points gained by clients"},{stat:"17",label:"Years in Business",sub:"Est. 2008"}
1,{stat:"0",label:"Federal Enforcement Actions",sub:"In 17 years of operation"}].map(e=>{let{stat:t,label:r,sub:i}=e;return(0,n.jsxs)("div",{className:"bg-white rounded-2xl border border-gray-100 shadow-sm p-5 text-center",children:[(0,n.jsx)("div",{className:"text-2xl md:text-3xl font-bold text-[#012697] mb-1",children:t}),(0,n.jsx)("div",{className:"text-sm font-semibold text-gray-800",children:r}),(0,n.jsx)("div",{className:"text-xs text-gray-500 mt-0.5",children:i})]},r)})}),(0,n.jsx)("div",{className:"bg-white rounded-2xl border border-gray-100 shadow-sm p-8",children:(0,n.jsxs)("div",{className:"flex flex-col md:flex-row gap-8 items-start",children:[(0,n.jsxs)("div",{className:"flex-1",children:[(0,n.jsx)("h3",{className:"font-cinzel text-lg font-bold text-[#012697] mb-4",children:"Our CROA Compliance Guarantees"}),(0,n.jsx)("ul",{className:"space-y-3 text-sm text-gray-700",children:["Written service agreement before any work begins","3-day right of cancellation \u2014 no questions asked","No upfront fees charged before services are performed","No guaranteed results \u2014 we dispute, bureaus decide","Full disclosure of your rights under the CROA","Every dispute method is legal and FCRA-compliant"].map(e=>(0,n.jsxs)("li",{className:"flex gap-3",children:[(0,n.jsx)("svg",{className:"w-4 h-4 text-[#59a52c] mt-0.5 flex-shrink-0",fill:"none",stroke:"currentColor",viewBox:"0 0 24 24",children:(0,n.jsx)("path",{strokeLinecap:"round",strokeLinejoin:"round",strokeWidth:2.5,d:"M5 13l4 4L19 7"})}),e]},e))})]}),(0,n.jsxs)("div",{className:"flex-1",children:[(0,n.jsx)("h3",{className:"font-cinzel text-lg font-bold text-[#012697] mb-4",children:"Legal Foundations We Work From"}),(0,n.jsx)("div",{className:"space-y-2 text-sm",children:[{law:"FCRA",desc:"Fair Credit Reporting Act \u2014 your right to dispute inaccurate information",link:"/fcra-guide"},{law:"CROA",desc:"Credit Repair Organizations Act \u2014 governs all credit repair companies",link:"/croa-guide"},{law:"SCRA",desc:"Servicemembers Civil Relief Act \u2014 additional protections for active duty",link:"/servicemembers-civil-relief-act-scra-credit-rights"},{law:"FDCPA",desc:"Fair Debt Collection Practices Act \u2014 protects against abusive collectors",link:"/fdcpa-guide"}].map(e=>{let{law:t,desc:r,link:a}=e;return(0,n.jsxs)("div",{className:"flex gap-3 p-3 bg-gray-50 rounded-xl",children:[(0,n.jsx)("span",{className:"font-bold text-[#012697] w-12 flex-shrink-0",children:t}),(0,n.jsxs)("span",{className:"text-gray-600",children:[r,a&&(0,n.jsxs)(n.Fragment,{children:[" \u2014 ",(0,n.jsx)(i.N_,{to:a,className:"text-[#012697] hover:underline",children:"Learn more"})]})]})]},t)})})]})]})})]})}),(0,n.jsx)("section",{id:"get-started",className:"py-16 px-4 bg-[#012697]",children:(0,n.jsxs)("div",{className:"max-w-2xl mx-auto text-center",children:[(0,n.jsxs)("div",{className:"inline-flex items-center gap-2 bg-white/10 border border-white/20 rounded-full px-4 py-1.5 text-sm font-medium text-white mb-8",children:[(0,n.jsx)("span",{children:"\ud83c\udf96\ufe0f"}),(0,n.jsx)("span",{children:"Military Credit Repair \u2014 No Upfront Fees"})]}),(0,n.jsxs)("div",{className:"flex flex-col sm:flex-row gap-4 justify-center",children:[(0,n.jsx)("button",{type:"button",onClick:e,className:"bg-[#59a52c] hover:bg-green-600 text-white font-bold px-8 py-4 rounded-xl transition-colors text-sm",children:"Claim Your Military Discount \u2014 Start Free Trial"}),(0,n.jsx)(i.N_,{to:"/intake",className:"border border-white/30 hover:bg-white/10 text-white font-semibold px-8 py-4 rounded-xl transition-colors text-sm text-center",children:"Book a Free Consultation"})]}),(0,n.jsx)("p",{className:"text-blue-200 text-xs mt-6 leading-relaxed",children:"No upfront fees. Military appreciation discount applied at enrollment. By proceeding, you will review a written service agreement. 3-day right of cancellation.*"})]})}),(0,n.jsx)("section",{className:"py-14 px-4 bg-white",children:(0,n.jsxs)("div",{className:"max-w-4xl mx-auto",children:[(0,n.jsx)("h2",{className:"font-cinzel text-2xl md:text-3xl font-bold text-[#012697] text-center mb-3",children:"Transparent Pricing for Military Families"}),(0,n.jsx)("p",{className:"text-gray-600 text-center max-w-xl mx-auto mb-10",children:"No hidden fees. No upfront charges. Federal law requires we complete work before charging \u2014 and we honor that fully."}),(0,n.jsx)("div",{className:"grid md:grid-cols-3 gap-6 mb-8",children:[{name:"Free Trial",price:"$0",period:"30 days",desc:"Start with a full 30-day trial. See your first roun
1d of disputes go out before paying anything.",cta:"Start Free Trial",href:"/30-day-free-trial",highlight:!1},{name:"Standard Service",price:"See Advisor",period:"per month",desc:"Monthly credit repair service. Pay only after dispute work is performed each month. No contract lock-in.",cta:"Get My Price",href:"#get-started",highlight:!0},{name:"Military Rate",price:"Discounted",period:"see details*",desc:"Active duty, veterans, National Guard, Reserve, and military spouses qualify for our military appreciation discount.",cta:"Claim Discount",href:"#get-started",highlight:!1}].map(e=>{let{name:t,price:r,period:i,desc:a,cta:s,href:o,highlight:l}=e;return(0,n.jsxs)("div",{className:"rounded-2xl p-6 border ".concat(l?"border-[#012697] shadow-lg":"border-gray-100 shadow-sm"),children:[l&&(0,n.jsx)("div",{className:"text-xs font-bold text-[#012697] uppercase tracking-wider mb-2",children:"Most Popular"}),(0,n.jsx)("div",{className:"font-cinzel font-bold text-lg text-gray-900 mb-1",children:t}),(0,n.jsx)("div",{className:"text-3xl font-bold text-[#012697] mb-0.5",children:r}),(0,n.jsx)("div",{className:"text-xs text-gray-500 mb-4",children:i}),(0,n.jsx)("p",{className:"text-sm text-gray-600 mb-5 leading-relaxed",children:a}),(0,n.jsx)("a",{href:o,className:"block text-center text-sm font-semibold py-2.5 rounded-xl transition-colors ".concat(l?"bg-[#012697] text-white hover:bg-blue-800":"border border-[#012697] text-[#012697] hover:bg-blue-50"),children:s})]},t)})}),(0,n.jsxs)("div",{className:"bg-amber-50 border border-amber-200 rounded-xl p-5 text-xs text-amber-800 leading-relaxed",children:[(0,n.jsx)("strong",{children:"*Military Appreciation Discount Disclaimer:"})," The military appreciation discount is available to verified active duty servicemembers, veterans with honorable discharge, National Guard and Reserve members, and immediate military family members (spouses and dependents). Discount amount and eligibility are determined at enrollment and applied to the monthly service fee after the required written service agreement is signed. No upfront fees are charged under any circumstance. Credlocity does not guarantee specific results. Individual outcomes vary based on the content of each client's credit report. This offer may be modified or discontinued at any time."]}),(0,n.jsx)("div",{className:"text-center mt-6",children:(0,n.jsx)(i.N_,{to:"/pricing",className:"text-[#012697] font-semibold hover:underline text-sm",children:"View full pricing details \u2192"})})]})}),(0,n.jsx)("section",{className:"py-14 px-4 bg-gray-50",children:(0,n.jsxs)("div",{className:"max-w-3xl mx-auto",children:[(0,n.jsx)("h2",{className:"font-cinzel text-2xl md:text-3xl font-bold text-[#012697] text-center mb-3",children:"Frequently Asked Questions"}),(0,n.jsx)("p",{className:"text-gray-600 text-center mb-10",children:"Questions from veterans and servicemembers we work with every day."}),(0,n.jsx)("div",{className:"space-y-4",children:o.map(e=>{let{q:t,a:r}=e;return(0,n.jsxs)("details",{className:"bg-white border border-gray-100 rounded-2xl shadow-sm group",children:[(0,n.jsxs)("summary",{className:"flex items-center justify-between gap-4 px-6 py-4 cursor-pointer font-semibold text-gray-900 text-sm list-none",children:[(0,n.jsx)("span",{children:t}),(0,n.jsx)("svg",{className:"w-5 h-5 text-[#012697] flex-shrink-0 group-open:rotate-180 transition-transform",fill:"none",stroke:"currentColor",viewBox:"0 0 24 24",children:(0,n.jsx)("path",{strokeLinecap:"round",strokeLinejoin:"round",strokeWidth:2,d:"M19 9l-7 7-7-7"})})]}),(0,n.jsx)("div",{className:"px-6 pb-5 pt-1 text-sm text-gray-600 leading-relaxed border-t border-gray-50",children:r})]},t)})}),(0,n.jsx)("div",{className:"text-center mt-8",children:(0,n.jsx)(i.N_,{to:"/faqs",className:"text-[#012697] font-semibold hover:underline text-sm",children:"See all FAQs \u2192"})})]})}),(0,n.jsx)("section",{className:"py-10 px-4 bg-gray-50 border-t border-gray-100",children:(0,n.jsxs)("div",{className:"max-w-4xl mx-auto",children:[(0,n.jsx)("p",{className:"text-xs font-semibold text-gray-500 uppercase tracking-wider text-center mb-6",children:"Related Credit Repair Resources"}),(0,n.jsx)("div",{className:"grid md:grid-cols-3 gap-4",children:[{icon:"\u2696\ufe0f",title:"SCRA Credit Rights Guide",desc:"How the Servicemembers Civil Relief Act (50 U.S.C. \xa7\xa7 3901\u20134043) protects active duty credit \u2014 and how FCRA disputes fix the damage.",link:"/servicemembers-civil-relief-act-scra-credit-rights"},{icon:"\ud83d\udccb",title:"Collection Removal",desc:"Remove debt collection entries \u2014 including those placed during service when SCRA protections should have applied.",link:"/collection-removal"},{icon:"\u2696\ufe0f",title:"Bankruptcy Credit Repair",desc:"Rebuild credit after Chapter 7 or Chapter 13 bankruptcy \u2014 a common challenge for veterans transitioning out of service.",link:"/bankruptcy-credit-repair"}].map(e=>
1{let{icon:t,title:r,desc:a,link:s}=e;return(0,n.jsxs)(i.N_,{to:s,className:"flex gap-4 bg-white border border-gray-100 rounded-2xl p-5 hover:border-blue-200 hover:shadow-sm transition-all group",children:[(0,n.jsx)("span",{className:"text-xl flex-shrink-0",children:t}),(0,n.jsxs)("div",{children:[(0,n.jsx)("p",{className:"font-cinzel font-bold text-[#012697] text-sm mb-1 group-hover:underline",children:r}),(0,n.jsx)("p",{className:"text-xs text-gray-500 leading-relaxed",children:a})]})]},r)})})]})}),(0,n.jsx)("section",{className:"py-16 px-4 bg-[#012697] text-white text-center",children:(0,n.jsxs)("div",{className:"max-w-3xl mx-auto",children:[(0,n.jsx)("div",{className:"text-5xl mb-5",children:"\ud83c\udf96\ufe0f"}),(0,n.jsx)("h2",{className:"font-cinzel text-2xl md:text-3xl font-bold mb-4",children:"You Served. Let Us Serve You."}),(0,n.jsx)("p",{className:"text-blue-100 text-lg mb-8 leading-relaxed max-w-xl mx-auto",children:"Your credit report should reflect your character, not the chaos of deployment or military life. Start your free consultation today \u2014 no commitment, no upfront fees."}),(0,n.jsxs)("div",{className:"flex flex-col sm:flex-row gap-4 justify-center mb-8",children:[(0,n.jsx)("button",{type:"button",onClick:e,className:"bg-[#59a52c] hover:bg-green-600 text-white font-bold px-8 py-3.5 rounded-xl transition-colors",children:"Claim Your Military Discount \u2014 Start Free Trial"}),(0,n.jsx)(i.N_,{to:"/intake",className:"bg-white/10 border border-white/30 hover:bg-white/20 text-white font-semibold px-8 py-3.5 rounded-xl transition-colors text-center",children:"Book a Free Consultation"})]}),(0,n.jsxs)("div",{className:"flex flex-wrap justify-center gap-x-8 gap-y-2 text-sm text-blue-200",children:[(0,n.jsx)("span",{children:"\u2713 30-Day Free Trial"}),(0,n.jsx)("span",{children:"\u2713 No Upfront Fees"}),(0,n.jsx)("span",{children:"\u2713 Military Discount Available"}),(0,n.jsx)("span",{children:"\u2713 CROA & FCRA Compliant"}),(0,n.jsx)("span",{children:"\u2713 17 Years in Business"})]}),(0,n.jsx)("div",{className:"mt-10 pt-8 border-t border-white/20 text-xs text-blue-300 leading-relaxed max-w-2xl mx-auto",children:"Credlocity Business Group LLC is a licensed credit repair organization operating under the Credit Repair Organizations Act (CROA) and the FTC Telemarketing Sales Rule (TSR). No results are guaranteed. Individual outcomes vary. Credit repair disputes are subject to the Fair Credit Reporting Act (FCRA). Credlocity does not provide legal advice, financial advice, or debt settlement services. The Servicemembers Civil Relief Act (SCRA) is a federal law \u2014 consult a military legal assistance attorney (JAG) for advice specific to your SCRA rights. Military appreciation discount requires verification of military status and is applied to the monthly service fee after execution of a written service agreement. No upfront fees are charged. Clients have a 3-day right to cancel without penalty."})]})})]})}}}]); 2//# sourceMappingURL=2066.ca871895.chunk.js.map
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.