FAQs

Derogatory information can remain on your credit file up to seven years from the date of first delinquency that led up to the charge off, collection, repossession or foreclosure. Exceptions to this ruling are: Bankruptcy Chapters 7 and 11 remain on the credit file 10 years from the date filed. Chapter 13 dismissed or no disposition rendered remains on the credit file 10 years from the date filed. Liens Unpaid tax liens remain on the credit file indefinitely. Paid tax liens remain on the credit file for up to 7 years from the date released. Judgments Judgments remain on the credit file 7 years from the date filed.

If you’re concerned about identity theft, those reported mega-data breaches, or someone gaining access to your credit report without permission, you might consider placing a credit freeze on your report. Click Consumer Information to expedite your request.

Victims of identity theft or fraud can add a Fraud Alert, also known as a Security Alert to Credit file. Click online alerts to add an initial 90-day Fraud Alert to your credit file. You may also use the online alerts form to add an Active Duty Alert for military personnel. Upon the direct request of an active duty military consumer, or an individual acting on behalf of or as a personal representative of such consumer, an Active Duty Alert may be added to the consumer’s file for 12 months and excludes the consumer from prescreened lists for two years (unless the consumer or representative requests that it be removed earlier.) Victims of identity theft or fraud may add an Extended Fraud Alert that will remain on the credit file for up to seven years. Requests must be submitted in writing. To add an Extended Fraud Alert, update your Fraud Alert, including the [...]

You are entitled to receive one free credit disclosure every twelve months from each of the nationwide consumer reporting companies – Equifax, Experian and Trans Union. Call 1.877.322.8228 to request a copy of your free annual credit file. If you are not eligible for a free credit file under FCRA for one of the above-mentioned reasons, fees may apply: States with no fees: California Colorado Georgia Massachusetts Maryland New Jersey Vermont States with a $5.00 fee: Connecticut States with a $3.00 fee: Maine Minnesota Credit reports in all other states are $11.50 each.

Credit1Solutions.com is not a high-pressure sales team that will make a lot of promises that cannot be met. When you contact Credit1Solutions you will be speaking with a trained professional that will give you an honest assessment of your current credit situation. With your help, we will identify what your goals are for your credit report and determine what we can do to put you in the best position possible. If you decide to move forward we will begin the process of challenging any inaccuracies on your current credit report. The credit bureaus have 30 -45 days to investigate and respond to any challenges which typically results in deletions and improved scores. This process may take as little longer based on your current situation; every case is unique.

Empowering Consumers: Resources for Dealing with Student Loan Servicers Direct Loan Servicing Center (ACS) Contact Information for Borrowers: Phone: 1-800-848-0979 Website: www.dl.ed.gov Contact Information for Schools: Phone: 1-888-877-7658 Website: www.dl.ed.gov/schools FedLoan Servicing Contact Information for Borrowers: Phone: 1-800-699-2908 Website: www.MyFedLoan.org Contact Information for Schools: Phone: 1-800-655-3813 Website: www.MyFedLoan.org/schools Great Lakes Contact Information for Borrowers: Phone: 1-800-236-4300 Website: www.mygreatlakes.org Contact Information for Schools: Phone: 1-888-686-6919 Website: www.mygreatlakes.org Nelnet Contact Information for Borrowers: Phone: 1-888-486-4722 Website: www.nelnet.com Contact Information for Schools: Phone: 1-866-463-5638 Website: www.nelnet.com Sallie Mae Contact Information for Borrowers: Phone: 1-800-722-1300 Website: www.salliemae.com Contact Information for Schools: Phone: 1-888-272-4665 Website: www.opennet.salliemae.com Legal Protections and Additional Resources In addition to utilizing the provided contact information, consumers facing issues with student loan servicers can benefit from various legal protections and resources. Recent laws, such as the Student Borrower Protection Center (SBPC) Act, aim to safeguard borrowers' rights and hold servicers accountable [...]