How much does Credit1Solutions cost?

Two monthly plans: Comprehensive at $99.95/mo and Fast Trac at $149.95/mo. A one-time $199.95 admin fee covers initial credit analysis, dispute strategy build-out, and onboarding.

What's included in the free TransUnion FICO 4 score?

Every plan includes one free monthly pull of your TransUnion FICO 4 mortgage score — the same score mortgage lenders use, which is typically 30–80 points different from Credit Karma's VantageScore.

What's the difference between Comprehensive and Fast Trac?

Comprehensive covers full FCRA/FDCPA dispute support and member portal access. Fast Trac adds attorney-backed lawsuit pursuit on qualifying violations, with settlement recovery shared with you.

Is there a contract or cancellation fee?

No long-term contract. You can cancel anytime; you only pay for the months of service used.

Pricing — Credit Education Plans

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.

Plans

DIY Dispute Letter Kit — from $8.95 (coming soon) for clients who prefer to handle disputes on their own
Comprehensive Plan — $99.95/month: credit bureau disputes, creditor interventions, and ongoing monitoring
Fast Trac Plan — $149.95/month: accelerated disputes with attorney escalation and priority processing

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

Related Guides

Your Legal Rights

Consumers are protected by several federal laws when dealing with credit reporting issues related to credit education:

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 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

Get your FREE TransUnion FICO 4 score

The exact FICO model mortgage underwriters use — not the VantageScore free apps show you. No credit card, soft pull only.

Get my free FICO 4 score

Soft inquiry only — checking never hurts your credit. No credit card required.