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Robert J. Wilkins IV

Founder & CEO, Credit1Solutions

Robert J. Wilkins IV founded Credit1Solutions in 2006 after recognizing a critical gap in the credit education industry. His early career included mentorship at TransUnion, where he gained deep expertise in credit reporting systems, dispute processes, and consumer rights.

Under his leadership, Credit1Solutions has grown to serve over 30,000 families nationwide, earning BBB A+ accreditation and building a team of FICO-certified experts and consumer protection attorneys. Robert is also a Licensed Realtor (#221716) in Kentucky.

About Credit1Solutions · Contact Us

Related Guides

  • Credit Repair Complete Guide
  • FCRA Consumer Rights Guide
  • FDCPA Consumer Rights Guide
  • Credit Bureau Dispute Guide
  • How Credit Scores Work

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 30,000 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

Credit1Solutions · 5284 N Dixie Hwy, Elizabethtown, KY 42701 · 1-877-782-7839 (toll-free) · 270-982-4747 (local) · cs@credit1solutions.com

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BBB A+ Accredited Since 2015 · Founded 2006 · Nationwide Service in All 49 States

Credit Report Errors? Negative Items? Get Them Removed — and Get Paid for the Violations.

If they can't prove it, it may not belong on your report. We demand proof of every negative item, get inaccurate ones deleted — and when the law's been broken, our partnered attorneys pursue damages.