Credit Report Errors? Get Them Fixed — for Damages.
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 30,000 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.
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
Take the Tour — Your Member Portal on Your Phone
Every member gets a personal portal — install it like an app on your phone. Start with your free TransUnion FICO® Score 4 (a soft pull that never affects your credit), then follow your credit education plan: credit check-ins, dispute timelines, documents & e-sign, budget tools, and mortgage readiness — all in one place. An audio walkthrough on our homepage explains each feature.
Why Members Choose Credit1Solutions
Attorney-backed dispute preparation and legal escalation
Watch our flagship video: your free TransUnion FICO® 4 mortgage score, attorney-backed dispute help, and realty support through closing — all under one roof in Elizabethtown, Kentucky. Individual results vary. Legal services are provided by independent licensed attorneys. Credit1Solutions.com is not a law firm.
Yes. Where the facts support it, our independent licensed attorneys pursue FCRA and FDCPA claims against bureaus, furnishers, and collectors. Most credit-repair companies are FTC-restricted to dispute letters only — they cannot file lawsuits. Outcomes and any client recovery vary case by case.
How is the free TransUnion FICO® 4 different from my Credit Karma score?
Credit Karma reports VantageScore 3.0; banking apps usually display FICO 8. Mortgage underwriters pull a different model — FICO 4 from TransUnion (plus FICO 2 and FICO 5 from the other bureaus). The numbers can differ by 30-80 points. We give you the real mortgage FICO for free, soft pull only, no credit card.
How does $99.95/month compare to Lexington Law and Credit Saint?
Lexington Law runs $99.95–$139.95 and Credit Saint $79.99–$119.99 — for dispute letters only. At $99.95 you also get attorney lawsuit pursuit, settlement money recovery, and a free TU FICO® 4 mortgage score. And this August, founders get $50 off their first month — $90 off with a referral code.
What's included in the members portal?
Budget Planner with bill due-date reminders, real-time Dispute Tracker, DIY Kit with attorney-grade dispute templates (coming soon), 13-section Credit Education library, free TU FICO® 4 score, and 1:1 advisor access. All included with the $99.95 plan.
How does the Realty1Solutions partnership work?
Founder Robert Wilkins is a Licensed Realtor (#221716). When you finish credit education with us, the same team can help you find a home through Realty1Solutions and earn a $500 closing credit. One stack: fix credit → buy home.
Inaccurate Information disputes
Misreported account statuses or incorrect balances can severely affect credit scores. We identify and dispute these errors with credit bureaus and data furnishers to get them corrected or removed.
Failure to Conduct a Proper Dispute Investigation
If a credit reporting agency fails to adequately investigate a dispute, consumers may be entitled to damages under the Fair Credit Reporting Act. Our attorney-backed services help pursue these claims.
Furnisher Violations
Incorrect data reporting by furnishers can lead to claims for actual and statutory damages. Our team works to identify furnisher violations and, where the facts support it, pursue appropriate remedies.
Credit Education Knowledge Base
Browse our full library of attorney-reviewed credit education guides, organized by topic. Every guide below is part of our sitemap and is updated on a published cadence.
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.
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.
Soft inquiry only — checking never hurts your credit. No credit card required.
Credit Report Errors?Get Them Fixed — for Damages.
Searching for credit help near me? The credit education company with attorneys who pursue collectors and bureaus when they violate FCRA / FDCPA — we recover meaningful statutory damages for clients nationwide. Free TransUnion FICO® 4 mortgage score included — no credit card required.