Why Credit1Solutions.com Stands Out!

Comprehensive Evaluation

Our experts dive deep, looking beyond just surface issues affecting your score.

Strategic Legal Action

We deploy proven legal strategies tailored to your specific situation

Continuous Support

Stay informed with ongoing support and monitoring of your credit report.

Freshstart

$4995monthly
  • Monthly Disputes
  • Money Back Guarantee

Comprehensive

$9995monthly
  • Monthly Disputes
  • Investigations
  • Money Back Guarantee

Fastrac

$14995monthly
  • Unlimited Disputes
  • Unlimited Investigations
  • Attorney Legal Services
  • Money Back Guarantee

Since 2006 – Unlock Your Potential with Real Consumer Rights Advocates!

Improving Mortgage & Rental
Opportunities

Attractive Auto
Financing Rates

Affordable Interest
Rate Credit Cards

Accessing Financial
Credit

Revealing the Facts about:
Common Consumer Credit Report Abuse


Everyday Problems

  • Security Clearance Issues: Navigate the complexities of security clearance issues with our specialized guidance. Our team helps you overcome challenges and maintain your clearance, ensuring your professional stability and success.

  • Misreported Payment Status: An account that is current and in good standing is incorrectly reported as late or missed. Your records are a valuable asset. Every credit score point matters and when employees get in a hurry, and do not perform their task at 100% or the data systems malfunction, then consumers pay the price within their credit records.

  • Bankruptcies: Filing for bankruptcy has a significant negative impact on your credit score. Bankruptcy can affect your credit report for 7-10 years, showing lenders that you are a risky borrower.

  • Charge-Offs: A charge-off occurs when a creditor gives up on collecting a debt after a prolonged period of non-payment. The creditor records this as a loss, which negatively impacts your credit score.

  • Collections: When an account becomes seriously past due, the creditor may turn it over to a collection agency. This account is separate on your credit report and greatly affects your credit scores in a negative way.

    • Collections can come from unsecured accounts, such as credit cards and personal loans. They can also come from secured loans, like auto loans. Collections occur when borrowers do not pay their loans and lenders subsequently sell them to collections.

  • Credit Inquiries: Hard inquiries occur when a lender checks your credit report to make a lending decision. These can slightly lower your credit score and reflect your search for new credit, but the effect diminishes over time.

  • Judgments: If a creditor sues you over a debt and wins, they may place a judgment against you. This indicates a court order for debt repayment and can severely impact your credit rating.

  • Late Payments: Each month a payment is missed, a negative item is added to your credit report. This signals to potential lenders that you may not be managing your credit well, which can affect your ability to obtain future credit.

  • Liens: A lien, especially if unpaid, can have a detrimental effect on your credit score. This shows that someone else can claim your money or belongings because you owe them money. This can make it more difficult for you to borrow money from others.

  • Repossessions: If you default on a loan, such as an auto loan, your lender has the right to repossess the vehicle. If you don’t pay on time and someone takes away your things, it can greatly reduce your credit score.


Corporate Fraud Concerns

  • Duplicate Reporting: An account might be listed more than once, with one or more instances incorrectly marked as delinquent. This could be because of various reasons, including errors in reporting by Creditors, Collectors , Equifax, Experian & TransUnion human assets as well as their automated systems manifest millions of incomplete and inaccurate records. When credit scores are damaged and effected by errors this action effects a persons credit buying power.

  • Commercial Contract Violations: Address commercial contract violations effectively with our expert legal assistance. We specialize in identifying breaches, negotiating resolutions, and safeguarding your business interests to maintain the integrity of your commercial agreements.
  • Personal Information: You can correct errors such as wrong name, address, or Social Security number. This is necessary for the accuracy of your credit report. Your credit score effects your ability to qualify for home loans and more. Mortgage lenders must have matching personal records to document a credit score. When the credit score cannot be validated due to inaccurate personal records, then your receive a denial.

  • Unknown Trade lines & Collections: If there are fake accounts on your credit report, it may be because someone stole your identity or when the CRA’s data systems are compromised. In this case, you have the option to have those accounts removed. You may need to provide proof of the fraud, such as a police report or an identity theft report.

  • Outdated Accounts: Your credit report should automatically delete old debts that have passed the credit reporting time limit. We have found this is a common flaw within the Credit Reporting Industry. .

  • Hard Inquiries: If someone checked your credit report without asking, you can argue against it. Lenders typically require your consent for hard inquiries when you apply for credit but many fail to document or maintain your records. Unfortunately Experian, Equifax & TransUnion market and sell your data to creditors and data furnishers, we have found that many buy your data and pull your credit without permission.

  • Data Management Errors: These occur when payments are applied to the wrong account due to clerical errors or when the transfer of account information between creditors and credit bureaus is mishandled.

  • Re-aging of Old Debts: Improperly updating the date of last activity on a debt can make it appear more recent, affecting its delinquency status.

Attorney Law Services When You Need It

Transform Credit Report Errors into Financial Triumphs

We work hard to correct consumer mistakes and get compensation for clients affected by these errors. This approach helps fix credit report mistakes and get fair compensation for financial problems caused by errors.

Credit Restoration Experience Beyond the Ordinary

Dive into a detailed examination of your credit reports with us. We identify and correct errors impacting your credit score, employing strategies tailored to enhance your credit profile. Our goal is to provide you with individualized advice for improving your credit.

Expert Legal Advocacy in Consumer Law

Representing clients in cases related to consumer rights, unfair business practices, and violations of consumer protection laws.

Pioneering Consumer Rights Litigation

In Consumer Rights Litigation, we provide legal representation in cases involving breaches of consumer rights, including suing credit reporting agencies for noncompliance. Our legal plan is designed to protect your consumer rights. It ensures fairness and responsibility from individuals who have not complied with credit reporting laws.

Expert Legal Compliance and Advisory Services

Ensuring adherence to consumer protection laws and regulations, our services extend to providing expert advice on legal compliance in financial activities. We carefully help our clients navigate financial rules, making sure all actions and decisions follow the law. This thorough approach not only safeguards against legal risks but also reinforces ethical practices in all financial dealings.

Monitor Your Progress

Our client portal is always accessible. It allows you to track your credit score and instantly view our service results.

This provides you with up-to-date information and greater transparency. This convenient feature lets you monitor credit score changes and view progress, ensuring you stay informed and in control. We commit to transparency and ensure our clients’ satisfaction with this valuable service. This service provides tangible results.