Our Authors
Articles on Credit1Solutions are written and reviewed by the attorney and operator below. Each profile lists their role, areas of expertise, and the kinds of content they contribute.
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David Hemminger
Consumer Protection Attorney · Hemminger Law Firm
Consumer-protection attorney focused on FCRA and FDCPA enforcement against credit bureaus and debt furnishers.
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Robert J. Wilkins IV
Founder & CEO · Credit1Solutions
Founder of Credit1Solutions; FICO-certified credit educator with nearly two decades of consumer-advocacy experience.
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Your Legal Rights
Consumers are protected by several federal laws when dealing with credit reporting issues related to 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