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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

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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.

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.