Credit1Solutions provides attorney-backed credit education and dispute assistance services to residents across Indiana. Our FICO-certified experts and consumer protection attorneys help you dispute inaccurate items on your Equifax, Experian, and TransUnion credit reports. Since 2006, we have helped over 510,000 families nationwide improve their credit profiles.
Whether you are dealing with collections, charge-offs, late payments, or other inaccurate items, our team leverages federal consumer protection laws including the FCRA and FDCPA to protect your rights. We offer the Comprehensive Plan at $49.95/month and the Fast Trac Plan at $99.95/month, both with no upfront fees.
On top of your federal rights under the FCRA and FDCPA, Indiana law sets its own deadlines for debt lawsuits and its own consumer-protection statute enforced by the Indiana Attorney General's Consumer Protection Division.
Indiana's 6-year period covers most consumer debt, but when the clock starts (and whether anything restarted it) depends on the account history — treat the deadline for any specific account as a question for a legal review, not a lookup table.
The statute of limitations controls how long you can be sued — it is separate from the roughly 7-year window most negative items can stay on your credit report under the FCRA. A debt can be too old to sue on and still appear on your report, and in some situations a payment on an old debt can restart the clock.
Prohibits unfair, abusive, or deceptive acts, omissions, or practices in consumer transactions in Indiana, giving consumers a state-level claim alongside federal law when a supplier, creditor, or collector deceives them.
Indiana Attorney General — Consumer Protection Division
302 W. Washington Street, 5th Floor, Indianapolis, IN 46204
Phone: 800-382-5516
File a consumer complaint
This information is educational only and is not legal advice. Statutes of limitations depend on the specific facts of each account, can be restarted or extended in some situations, and laws change. Confirm current law with the official statute text or a licensed attorney in your state before acting on it. Statute citations last verified 2026-08-01.
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Consumers are protected by several federal laws when dealing with credit reporting issues related to credit education:
You may file complaints with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).
Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026
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