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Realty1Solutions — Mortgage Readiness Center

Powered by Credit1Solutions in Elizabethtown, Kentucky. Start with your FREE TransUnion FICO 4 score — the score mortgage lenders actually use — then work with Robert Wilkins, Licensed Realtor #221716, to go from mortgage-ready to move-in.

What We Offer

  • FREE FICO Score — your TransUnion FICO 4 mortgage score at no cost, no credit card
  • FREE Home Search — MLS access to every listing in Kentucky
  • First-Time Buyers — step-by-step guidance from credit to closing
  • Sell Your Home — strategic pricing, marketing, and expert negotiation
  • Mortgage Ready — credit review and readiness plan before you apply

Services include buyer representation, seller listing services, expert negotiation, and a $500 closing credit. Combined with our credit education services, we help clients go from credit improvement to homeownership — and refund 100% of credit education fees when you close with us.

100% Service Fee Refund Program · Buying a Home with Bad Credit

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 49 States

Mortgage lenders use FICO 4 — see yours free

Before you shop for a home, see the exact TransUnion FICO 4 score underwriters will pull. Fix what's holding it back, then buy with confidence.

Get my free FICO 4 score

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

Credit Report Errors? Negative Items? Get Them Removed — and Get Paid for the Violations.

If they can't prove it, it may not belong on your report. We demand proof of every negative item, get inaccurate ones deleted — and when the law's been broken, our partnered attorneys pursue damages.