You want a clear starting point before deciding what deserves a closer look.
Begin with educational score and report context, then turn the details into practical questions without assuming an outcome.
A first look that stays honest
Your score starts with consent: No score is shown until you choose to connect an eligible TransUnion educational score source. Score not connected
Educational score context only
Not a lender tri-merge report
Never treated as an approval decision
Turn report details into questions: Organize what each bureau reports and note information you believe may be inaccurate or incomplete. Ready for your information
Review one reported detail at a time
Keep your own notes and supporting records together
No deletion or score-change prediction
Know where education stops: Consumers may dispute credit-report information they believe is inaccurate or incomplete. No attorney review active
Credit1Solutions is not a law firm
Legal services, when applicable, are separate
Any legal review depends on the facts
Clarity before action
A score is one piece of context. The report details behind it—and whether those details are complete and accurate—are what shape useful next questions.
This path organizes educational information. It does not promise a deletion, a score increase, a legal claim, or a particular timeline.
Score and attorney status
A missing score stays visibly unavailable instead of being estimated. Attorney review is not active by default; independent licensed attorneys provide legal services only when separately engaged.
Bring your questions into the app
Continue to free app sign-up from the Credit Clarity path. No card is required to begin.
Consumers are protected by several federal laws when dealing with credit reporting issues related to credit clarity:
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.