Robert, Author at credit1solutions

How to Remove Charge-Offs from Your Credit Report – The Right Strategy

What Is a Charge-Off and How Does It Impact Your Credit? A charge-off happens when a creditor classifies a debt as a financial loss after you’ve missed payments for 180 days or more. Although the creditor considers it uncollectible, you still owe the balance—and the charge-off shows up as a serious negative mark on your… Continue reading How to Remove Charge-Offs from Your Credit Report – The Right Strategy

How to Remove Derogatory Marks from Your Credit Report – The Right Way

What Are Derogatory Marks on a Credit Report? A derogatory mark is a negative entry on your credit report. It lowers your credit score and makes it harder to get approved for loans, credit cards, or mortgages. These marks signal to lenders that you may be a high-risk borrower. Common Types of Derogatory Marks Derogatory… Continue reading How to Remove Derogatory Marks from Your Credit Report – The Right Way

DIY Credit Repair vs. Professional Credit Repair – Which One Works Best?

Should You Fix Your Credit Yourself or Hire a Professional? If your credit score is holding you back, you might be wondering whether to fix it yourself or get professional help. You can repair your credit on your own, but it takes time, energy, and a solid understanding of the law. Many people get stuck… Continue reading DIY Credit Repair vs. Professional Credit Repair – Which One Works Best?

How to Use Credit Freezes & Fraud Alerts | Credit1Solutions Expert Guide

Worried about identity theft? Stopping unauthorized credit activity starts with credit freezes and fraud alerts—your best tools to block thieves and protect your financial future! Under the Fair Credit Reporting Act (FCRA), you have legal rights to freeze your credit report, place fraud alerts, and prevent criminals from opening accounts in your name. This guide will explain what… Continue reading How to Use Credit Freezes & Fraud Alerts | Credit1Solutions Expert Guide

How to Stop Unwanted Credit Inquiries | Credit1Solutions Expert Guide

Is Your Credit Report Full of Unauthorized Hard Inquiries? Unauthorized hard inquiries can lower your credit score and affect your loan approval chances. Fortunately, you have options to stop them! If lenders, credit card companies, or any unauthorized entities pull your credit without permission, you are protected by the Fair Credit Reporting Act (FCRA). In… Continue reading How to Stop Unwanted Credit Inquiries | Credit1Solutions Expert Guide

How to Sue Credit Bureaus for Inaccurate Reporting | Credit1Solutions Expert Guide

Is inaccurate credit reporting hurting your score? You CAN sue credit bureaus for failing to fix mistakes! The Fair Credit Reporting Act (FCRA) gives you the right to dispute credit errors—and if the bureaus don’t correct them, you can sue them for damages! Thousands of consumers win lawsuits every year against Experian, Equifax, and TransUnion for failing to… Continue reading How to Sue Credit Bureaus for Inaccurate Reporting | Credit1Solutions Expert Guide

What to Do If a Creditor Violates Consumer Rights | Credit1Solutions Expert Guide

Your rights matter! Creditors must follow consumer protection laws—or face the consequences. If a creditor has reported false information, refused to correct errors, charged unfair fees, or harassed you, they may be violating your rights under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). Below, we explain what to do if a creditor violates consumer… Continue reading What to Do If a Creditor Violates Consumer Rights | Credit1Solutions Expert Guide

How to File a Complaint Against a Credit Bureau (Step-by-Step)

How to Report a Credit Bureau for FCRA Violations and Credit Report Errors If your credit report contains errors or if a credit bureau violates your rights under the Fair Credit Reporting Act (FCRA), you can take action. Follow these five steps to report the issue and protect your financial standing. 1. File a Complaint… Continue reading How to File a Complaint Against a Credit Bureau (Step-by-Step)

Fair Debt Collection Practices Act (FDCPA) – Protect Yourself | Credit1Solutions Expert Guide

Your Protection Against Debt Collector Harassment & Unfair Practices Are you being harassed by debt collectors? If so, you don’t have to tolerate it. The Fair Debt Collection Practices Act (FDCPA), passed in 1977 as 15 U.S.C. §§ 1692–1692p, is a federal law designed to protect consumers from abusive, deceptive, and unfair debt collection practices.… Continue reading Fair Debt Collection Practices Act (FDCPA) – Protect Yourself | Credit1Solutions Expert Guide

Fair Credit Reporting Act (FCRA) – Know Your Rights | Credit1Solutions

Your Credit, Your Privacy, Your Rights The Fair Credit Reporting Act (FCRA) protects your credit report by ensuring it is accurate, secure, and fairly handled.Passed in 1970 as part of the Consumer Credit Protection Act (15 U.S.C. §§ 1681–1681x), this federal law governs how credit bureaus, lenders, and data furnishers collect, report, and share your… Continue reading Fair Credit Reporting Act (FCRA) – Know Your Rights | Credit1Solutions