We Sue Credit Bureaus,Creditors & Collectors— And Get You Paid.
Not just disputes. Our attorneys file federal lawsuits when TransUnion, Equifax, Experian, creditors, or collectors violate your rights.
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 510,000 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.
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.