Credit1Solutions gives you a clear look at what your credit report says, what may need a closer review, and what questions are worth asking. Start with a free TransUnion Fair Isaac Credit Score check-in — no credit card, soft pull only. No pressure. No promises. Just context.
Get a clear look at what your report says, what may need a closer review, and what questions are worth asking. 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 can escalate cases to federal court. Since 2006, we have helped over 30,000 clients. BBB A+ accredited since 2015.
100% Money-Back Guarantee — if you pay more than you earn. Results vary by individual case and facts.
Explore the Member Experience
Start from a familiar home screen and take a captioned, user-controlled journey through the real member experience. Narration is optional and never starts on its own.
Your credit, with context: One clear home screen for your score, report details, questions, and next steps.
Free TransUnion Fair Isaac Credit Score: See an illustrative score from a free soft-pull check-in — no credit card.
See what is working: Positive report information stays in view, not hidden behind problem items.
Notice negative or unresolved items: Plain labels show what the report says, without deciding whether it is right or wrong.
See why an item may deserve review: Dates, ownership, balances, or descriptions that look off can become clear questions.
Learn from prior context: Anonymized prior matters can inform a review — they never forecast another matter.
Weigh possible next steps: The report information and your circumstances shape which options may fit.
Separate deletion from valid-debt resolution: A reporting deletion or update does not necessarily resolve an underlying valid debt.
Know when attorney review may fit: A licensed attorney may review specific facts; review never promises a case, recovery, deletion, or result.
Every score, report item, match, and outcome shown in the phone is illustrative. Prior outcomes can inform review but never create a prediction, probability, guarantee, or promise. Deletion and valid-debt resolution can be separate questions, and attorney review always depends on the facts.
We pull your full 3-bureau report at no cost, then walk through what it says, what may need a closer review, and which questions are worth asking. No pressure. No promises. Just context. The review includes a free TransUnion Fair Isaac Credit Score with no credit card required, and the soft pull does not affect your score.
Published client photos and trust signals show substantiated prior outcomes. Prior outcomes are not predictions or guarantees. This review does not predict a deletion, score change, lawsuit, recovery, or legal eligibility. Legal review is provided by independent licensed attorneys when the facts support review, and a report deletion or update does not necessarily resolve an underlying valid debt.
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.