• Home
  • Services
  • About
  • How It Works
  • Attorney Services
  • Free Tools
  • Reviews
  • FAQs
  • Contact
  • Sign Up

100% Service Fee Refund Program

Get 100% of your credit education service fees refunded when you buy or sell a home with Robert Wilkins, Licensed Realtor #221716. Plus receive a $500 closing credit at settlement.

This program rewards clients who use both our credit education and real estate services, effectively making your credit improvement free when you purchase or sell a home through us.

Not sure where your credit stands? Start with your FREE TransUnion FICO 4 mortgage score — the same score model mortgage lenders use — then let us build your path from fix-my-credit to keys-in-hand.

Get Your Free FICO 4 Score · Mortgage Readiness Center · Credit Education Plans

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

  • Privacy Policy
  • Terms of Service
  • CROA Disclosure
  • Disclaimer
  • Sitemap

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

Mortgage lenders use FICO 4 — see yours free

Before you shop for a home, see the exact TransUnion FICO 4 score underwriters will pull. Fix what's holding it back, then buy with confidence.

Get my free FICO 4 score

Soft inquiry only — checking never hurts your credit. No credit card required.

Understand your credit. Take control of what comes next.

Credit repair starts with knowing what is actually being reported. Credit1Solutions combines your credit information, educational tools, document organization and self-service technology in one connected experience.