Your $49.95 or $99.95 a month does not just buy dispute letters. It unlocks a full toolkit — budget planner, smart calendar, dispute tracker, DIY attorney-grade letter library, free TransUnion FICO 4 mortgage score, and direct access to a real attorney network for FCRA / FDCPA violations.
The Members Portal is part of the Credit1Solutions members portal — the toolkit included with every Comprehensive ($49.95/mo) and Fast Trac ($99.95/mo) plan. The portal is built around the work our attorney network and credit-education team do every day: investigate furnisher data, dispute inaccurate items, monitor the score that mortgage underwriters actually pull, and document the round-by-round evidence record that supports an FCRA or FDCPA claim if one is warranted.
Members do not have to use every tool. Most clients spend their first 30 days inside the Dispute Tracker and the Budget Planner. The DIY Kit and the Credit Education Library are there when you want to learn the system or take a round to mail yourself. The free TransUnion FICO 4 mortgage score refreshes monthly whether you log in or not.
Every member action ties back to a single client record. When you mail a dispute letter from the DIY Kit, the send-and-log workflow writes back to the Dispute Tracker so the round shows up on the milestone calendar. When the bureau response posts, the score-change overlay ties the score movement back to the specific dispute that earned it. When a violation pattern triggers (re-aging, time-barred reporting, dispute-not-investigated, mixed file), the case routes to the attorney network for review at no extra cost.
Everything in the portal is included in both plan tiers. The Fast Trac plan upgrade adds priority dispute drafting and a direct attorney consult on every round, but the toolkit itself is identical. There is no per-letter charge, no cancellation fee, and no contract beyond the current month.
Yes. The Comprehensive plan at $49.95 a month includes the budget planner, dispute tracker, DIY letter library, education center, free TU FICO 4 score, and attorney violation review. Fast Trac at $99.95 a month adds priority dispute drafting and direct attorney consult on every round.
No. Most clients spend their first 30 days inside the Dispute Tracker and Budget Planner. The DIY Kit and Education Library are there when you want to learn the system. The free FICO 4 score refreshes monthly whether you log in or not.
You keep any letters, score history, and dispute records you exported. There is no cancellation fee and no contract beyond the current month.
Open a free 3-bureau review and we will show you exactly which tradelines on your report we would challenge in Round 1 and why. Start a free consultation, compare plans, or contact us with a question first.
Consumers are protected by several federal laws when dealing with credit reporting issues related to credit1solutions members portal members portal:
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
The credit education company with attorneys who pursue collectors and bureaus when they violate FCRA / FDCPA. Typical client recovery: $3,500+ per successful case. Free TransUnion FICO® 4 mortgage score included — no credit card required.