Credit1Solutions provides attorney-backed credit education and dispute assistance services to residents across Kentucky. 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, Kentucky law sets its own deadlines for how long a creditor or debt collector can sue you, and its own state consumer-protection statute enforced by the Kentucky Attorney General.
Credit-card debt is genuinely contested in Kentucky: courts have applied both the 5-year open-account period and the longer written-contract periods, depending on the account documents. Do not assume either number applies to your account without a legal review of the cardmember agreement.
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.
Declares unfair, false, misleading, or deceptive acts or practices in trade or commerce unlawful in Kentucky, adding a state-level claim on top of federal law when a creditor, collector, or furnisher deceives a consumer.
Kentucky Attorney General — Office of Consumer Protection
1024 Capital Center Drive, Suite 200, Frankfort, KY 40601
Phone: 502-696-5389
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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