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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.

Understand your credit. Take control of what comes next.

Credit repair starts with knowing what is actually being reported. Credit1Solutions combines your credit information, educational tools, document organization and self-service technology in one connected experience.