Credit1Solutions plans: DIY Dispute Letter Kit from $8.95 (coming soon), Comprehensive Plan $99.95/month, and Fast Trac Plan $149.95/month with attorney escalation, plus a one-time $199.95 admin fee covering the initial analysis. Every plan starts the same way: see your free TransUnion FICO 4 mortgage score first, no credit card required. No hidden fees, cancel anytime.
Before you pick a plan, see where you stand: get your FREE TransUnion FICO 4 mortgage score — the score mortgage lenders actually use — at our free score page. Then choose the level of help that fits.
A one-time $199.95 admin fee covers your initial analysis. No hidden fees and no long-term contracts — cancel anytime. Buying or selling a home through our Mortgage Readiness Center refunds 100% of your credit education fees at closing, plus a $500 closing credit.
Compare Plans · 100% Fee Refund Program · Get Started
Consumers are protected by several federal laws when dealing with credit reporting issues related to credit education:
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 exact FICO model mortgage underwriters use — not the VantageScore free apps show you. No credit card, soft pull only.
Soft inquiry only — checking never hurts your credit. No credit card required.
Get a clear look at what your report says, what may need a closer review, and what questions are worth asking. No pressure. No promises. Just context.