Budget Planner & Smart Reminders.

Track every bill, every balance, every due date. Smart reminders by email, SMS, and push notification so a missed payment never costs you another 60 score points.

Overview of the Budget Planner

The Budget Planner 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.

What you get with the Budget Planner

12-month bill calendar built in
Auto reminders by email, SMS, push
Bank-account and obligation tracker
Smart financial insights from your data

Features included

12-month bill calendar. Every recurring bill plotted across the year so you can see cash-flow gaps before they hit. Toggle paid / unpaid in one tap.
Auto due-date reminders. Each bill carries its own reminder window. Choose email, SMS, push, or all three. Reminders fire whether you log in that day or not.
Bank-account view. Lightweight account tiles show your linked balances next to your obligations — no aggregator fees, no surprise overdrafts.
Smart financial insights. We surface the patterns that matter: which months run tight, which bills are growing fastest, which utilization spikes are about to hurt your score.
Email & share. Email yourself a budget summary, share read-only access with a spouse or co-borrower, or download a PDF for a mortgage application.

How it works inside the portal

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.

Frequently asked questions

Why does a credit-repair company include a budget planner?

Because the single fastest way to lose a 60-point gain is to miss a payment after the disputes clean up your file. The budget planner exists to protect the score gains the dispute work earns.

Does it pull from my bank?

You enter accounts manually. We do not run a bank-aggregator integration on the budget planner — it keeps your login credentials out of our system and avoids the monthly aggregator fee.

Is the budget planner really included in $49.95?

Yes. Both Comprehensive ($49.95) and Fast Trac ($99.95) include unlimited use of the budget planner, smart reminders, and bank-account tracker.

Start your membership

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.

Explore the rest of the members portal

Members Portal — 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
Dispute Tracker — Real-time visibility into every dispute round we file on your behalf. Watch each letter mail, each bureau response come back, each violation
DIY Kit — For members who want to learn the system instead of hand it off. The same dispute templates, Metro 2 cheat sheets, and bureau workflows our
Credit Education — 13 plain-English sections covering FCRA, FDCPA, credit scoring, settlements, rebuilding, and the bureau-vs-furnisher dispute mechanics. Ever

Related Guides

Your Legal Rights

Consumers are protected by several federal laws when dealing with credit reporting issues related to credit1solutions members portal budget planner:

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.

You may file complaints with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).

Why Trust Credit1Solutions

Attorney-backed by Hemminger Law Firm, Consumer Rights Attorneys
BBB A+ Accredited since 2015
Founded in 2006 — 19+ years of experience
Over 510,000 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