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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

  • Credit Repair Complete Guide
  • FCRA Consumer Rights Guide
  • FDCPA Consumer Rights Guide
  • Credit Bureau Dispute Guide
  • How Credit Scores Work

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

Credit1Solutions · 5284 N Dixie Hwy, Elizabethtown, KY 42701 · 1-877-782-7839 (toll-free) · 270-982-4747 (local) · cs@credit1solutions.com

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BBB A+ Accredited Since 2015 · Founded 2006 · Nationwide Service in All 50 States

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.

Credit Report Errors? Get Them Fixed — for Damages.

Searching for credit help near me? The credit education company with attorneys who pursue collectors and bureaus when they violate FCRA / FDCPA — we recover meaningful statutory damages for clients nationwide. Free TransUnion FICO® 4 mortgage score included — no credit card required.