Can you really sue a credit bureau?

In some cases, yes. Under the Fair Credit Reporting Act (FCRA), credit bureaus must investigate and correct inaccurate information. When they fail to do so, consumers may have legal claims. Legal services are provided by independent licensed attorneys, and outcomes vary by individual facts.

What does the money-back guarantee mean?

If you invest more in our services than you recover in settlements and savings, we refund you. The guarantee terms are stated in your written agreement, including eligibility, timing, and any exclusions.

Credit Report Errors? Attorney-Backed Legal Help

Credit1Solutions is an attorney-backed credit education company that helps consumers dispute inaccurate items on their credit reports. When credit bureaus or creditors violate federal law, our partnered attorneys can pursue legal action and recover settlements on your behalf.

Credit1Solutions provides attorney-backed credit education and dispute preparation. When credit bureaus, creditors, or debt collectors violate your rights under the FCRA or FDCPA, our partnered attorneys escalate cases to federal court. Since 2006, we have helped over 510,000 clients resolve inaccurate reporting and recover settlements. BBB A+ accredited since 2015.

100% Money-Back Guarantee — if you pay more than you earn. Results vary by individual case and facts.

How Our Process Works

Free 3-bureau credit report analysis identifying errors, inaccuracies, and potential violations
Attorney-prepared disputes filed under federal consumer protection laws (FCRA, FDCPA, CROA)
Escalation to federal court when violations are verified by partnered attorneys
Settlements paid directly to clients, plus deletion of inaccurate items

Service Plans

Comprehensive Plan — $49.95/month: Credit bureau disputes, creditor interventions, and ongoing monitoring
Fast Trac Plan — $99.95/month: Accelerated disputes with attorney escalation and priority processing
DIY Dispute Letter Kit — $8.95: AI-powered templates with legal citations

Why Members Choose Credit1Solutions

Attorney-backed dispute preparation and legal escalation
19+ years of experience since 2006
BBB A+ accredited with 4.9-star client rating
FICO-certified credit education specialists
Nationwide service across all 50 states
100% money-back guarantee

Frequently Asked Questions

Can you really sue a credit bureau?: In some cases, yes. Under the Fair Credit Reporting Act (FCRA), credit bureaus must investigate and correct inaccurate information. When they fail to do so, consumers may have legal claims. Legal services are provided by independent licensed attorneys, and outcomes vary by individual facts.
What does the money-back guarantee mean?: If you invest more in our services than you recover in settlements and savings, we refund you. The guarantee terms are stated in your written agreement, including eligibility, timing, and any exclusions.

How Results Are Determined

Statistics shown on this site (average settlement amounts, score increases, success rates) are based on aggregated historical client data and are not guarantees of future results. "Success rate" refers to the percentage of clients who had at least one inaccurate item removed or modified. Individual results vary based on the specific facts of each case, credit history, and the nature of reported items. Credit education and dispute preparation services are provided by Credit1Solutions. Legal services, including lawsuits, are provided by independent licensed attorneys where engaged.

See If You Qualify for a free consultation, or call 1-877-782-7839.

Related Guides

Your Legal Rights

Consumers are protected by several federal laws when dealing with credit reporting issues related to attorney-backed credit education:

Fair Credit Reporting Act (FCRA) — 15 U.S.C. §1681: Requires credit bureaus to maintain accurate information and investigate disputes within 30 days. Consumers can dispute inaccurate items directly with bureaus or furnishers.
Fair Debt Collection Practices Act (FDCPA) — 15 U.S.C. §1692: Prohibits abusive, deceptive, and unfair debt collection practices. Collectors must validate debts upon request.
Credit Repair Organizations Act (CROA) — 15 U.S.C. §1679: Regulates credit repair companies and protects consumers from deceptive practices.

You may file complaints with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).

Why Trust Credit1Solutions

Attorney-backed by Hemminger Law Firm, Consumer Rights Attorneys
BBB A+ Accredited since 2015
Founded in 2006 — 19+ years of experience
Over 510,000 families helped nationwide
FICO-certified credit education specialists
Full compliance with FCRA, FDCPA, and CROA

Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026