Most consumers don't know their credit reports contain settlement money.
Re-aged debts, missing chain of title, time-barred items, Metro 2 code mismatches — each can be an FCRA or FDCPA violation. Where the facts support it, our independent licensed attorneys may pursue claims for damages, and any recovery comes back to you.
Each is statistically common. Each carries statutory damages. Educational reference only — not a determination that any of these is present on your report.
Re-aged debts — Furnishers reset the date-of-first-delinquency to make a charge-off look newer than it is. FCRA §1681s-2 violation.
Time-barred reporting — Accounts kept on the report past the 7-year window. FCRA §1681c violation.
Missing original creditor — Debt buyers reporting without chain-of-title documentation. FDCPA §1692g validation problem.
Metro 2 code mismatches — Furnishers report inconsistent status codes across the three bureaus. FCRA §1681e(b) accuracy violation.
Paid-but-still-reporting — Settled or paid collections still showing as open balances. FCRA §1681i investigation problem.
Dispute-not-investigated — Bureau returns 'verified' without actually contacting the furnisher. FCRA §1681i procedural violation.
Unauthorized hard inquiries — Inquiries pulled without permissible purpose. FCRA §1681b violation.
Post-bankruptcy reporting errors — Discharged debts continuing to report as past-due. FCRA §1681e(b) accuracy violation.
What the process looks like.
Free credit review. You enroll, we pull your three-bureau report, our backend scans for the patterns above.
Advisor + attorney triage. Suspected violations are reviewed by a credit advisor and, where appropriate, by an attorney to determine whether the facts support a claim.
Disputes go out. Auto-generated dispute letters are sent to the bureaus and furnishers with the relevant FCRA / FDCPA citations.
Where appropriate, claims are filed. If a furnisher or bureau response (or non-response) confirms a violation, the attorney may file a claim. Statutory fee-shifting under FCRA / FDCPA generally covers attorney fees.
Recovery comes to you. Settlement amounts that are recovered, after fees, flow to the client per the engagement letter.
The numbers, plainly.
$10M+ — Aggregate client recoveries per year across our case pipeline
$3,500+ — Typical client share per successful case
$1,000+ — Statutory damages frequently awarded per FCRA violation
Educational only. Outcomes and any client recovery vary case by case. This is not a guarantee of any specific result. Legal services provided by independent licensed attorneys.
Consumers are protected by several federal laws when dealing with credit reporting issues related to fcra and fdcpa violation recovery:
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.
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
Understand your credit.Take control of what comes next.
Credit repair starts with knowing what is actually being reported. Credit1Solutions combines your credit information, educational tools, document organization and self-service technology in one connected experience.