Attorney-Backed Credit Repair: Credit1Solutions

About the Company

Credit1Solutions.com, based in Elizabethtown, Kentucky, was founded in 2006 under the guidance of a TransUnion executive. The company blends attorney-driven credit repair with extensive industry expertise to provide comprehensive credit repair services. 

With a team boasting FICO certification and deep legal knowledge, Credit1Solutions.com partners with a consumer credit law firm to challenge inaccuracies using Metro 2, e-OSCAR, and Section 402(a) of the Credit Repair Organization Act. Over 18 years, they have handled millions of disputes, aiming to rectify financial imbalances caused by corporate malpractices, elevate credit scores, and secure client compensation.

Credit1Solutions.com offers a variety of tailored services designed to address unique credit challenges. Whether the goal is to boost credit scores, manage debt, or create a comprehensive financial plan, their specialized support is crafted to meet individual needs. By adhering to regulations such as the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Credit Repair Organizations Act (CROA), they ensure compliance and advocate effectively for their clients.

Credit1Solutions.com will assist in removing or modifying inaccurate, obsolete, and unverifiable items across all five sections of your complete credit reports: Personal & Employment, Accounts, Credit Inquiries, or Collections.

Under the FCRA, the provider can remove or correct a variety of items, including stale credit information, incorrectly reported judgments or tax liens, incorrect payment histories, wrongly reported bankruptcy information, identity theft issues, impermissible credit report requests, credit information that doesn't belong to you, medical violations, auto-repossession violations, balances after discharge, mixed credit files, and tenant screening violations.

The company has earned an A+ rating and accreditation from the Better Business Bureau (BBB) and is recognized for their commitment to customer service and ethical practices. Accolades and affiliations support their reputation in the industry and demonstrate their commitment to empowering consumers and fostering just financial futures.

Services & Features

The credit repair services provided are designed to help you improve your credit score and address any inaccuracies on your credit report. While they may not provide detailed information about their services, we have outlined some key offerings. It's best to contact them directly to ask any questions about their offerings and determine if their services suit your needs.

Here are the key features and services available:

Attorney-backed services
Legal professionals assist you in navigating the complexities of credit repair, ensuring all actions comply with relevant laws and regulations. This expertise is particularly beneficial for addressing challenging disputes and understanding consumer protection laws.

Personalized support
You are assigned a designated credit advisor who offers tailored guidance throughout the credit repair process. Personalized support ensures advice and strategies are specifically suited to your unique credit situation, enhancing the likelihood of success.

Credit monitoring
Credit monitoring services help you stay informed about your credit status and detect any changes. Regular monitoring allows for quick responses to potential issues like identity theft or erroneous report entries, maintaining progress in your credit score improvement.

Educational resources
Resources are provided to educate you about credit reporting and management, empowering you to make informed financial decisions. These materials cover topics from understanding credit scores to managing debt, helping you build long-term economic health and stability.

Plans & Prices

Credit1Solutions.com offers three subscription plans for their credit repair services:

Fresh Start Service: $49.95 per month

This plan provides you with:

• Monthly credit report investigations
• Designated credit advisor
• Access to a 24/7 online portal
• In-depth budget expenditure
• Online educational library

Comprehensive Service: $99.95 per month

This plan will provide you with the following:

• Up to 5 monthly credit report investigations
• Personal summary investigations
• Inquiry investigation (TM)
• Designated credit advisor
• Access to a 24/7 online portal
• In-depth budget expenditure
• Online educational library

Fast Trac Service: $149.95 per month

The Fast Trac Service plan will provide you with everything the previous plans offer, in addition to specialty credit repair that challenges questionable negative items from other credit bureaus, such as:
Unlimited credit report investigations

• Unlimited personal summary investigations
• Designated credit advisor
• Unlimited inquiry investigation (TM)
• Unlimited creditor investigations
• Access to a 24/7 online portal
• Online educational library
• Attorney legal services

Advantages & Disadvantages

Advantages

• Free credit score: You receive your credit score at no cost. This is beneficial because your credit score is a critical factor that lenders use to assess your creditworthiness. Knowing your score helps you understand your current financial standing and identify areas for improvement. Regular access to this information allows you to track changes and monitor trends over time
• Free credit report: This report includes comprehensive details about your credit history, such as information on credit accounts, payment history, and any negative items. Regularly reviewing your credit report can help you spot inaccuracies or fraudulent activities and understand the factors affecting your score, aiding you in making informed financial decisions
• Free report assessment: This assessment offers insights into your credit situation and highlights specific areas needing attention, such as payment history or credit utilization. This service helps you develop a plan for improving your credit score based on expert analysis
• Cancel anytime: You can cancel services at any time without incurring a penalty. This feature provides flexibility and ensures that you have control over your commitment. It offers a trial period for those considering the service, reflecting a customer-centric approach that prioritizes your satisfaction and trust

Possible cons

Unclear scope of services
Credit1Solutions does not provide detailed information about the specific credit issues they cover under their services, particular services, or the range of coverage throughout the United States. They also do not discuss the availability of their mobile app.

This ambiguity can leave potential clients uncertain whether their credit problems, such as unique debts or specific inaccuracies, will be addressed.

Customer Reviews

While they have been in the industry for a very long time, they do not have many customer reviews about them online. However, the ones they have on different platforms are primarily positive; on the Better Business Bureau (BBB), they have achieved an A+ rating and accreditation and a 4.92 out of 5 customer rating based on 48 reviews. 

Positive customer reviews

Many clients have shared their satisfaction with Credit1Solutions, praising the company for their dedicated service and effective results. Customers appreciate the friendly and professional staff who keep them well-informed throughout their credit repair journey. Reviews frequently highlight significant improvements in credit scores and the successful resolution of various credit issues. Clients have noted the company's proactive approach, including regular updates and clear communication. 

The personal attention and thorough explanations provided by the team have been commended, with several reviewers expressing gratitude for their assistance in navigating complex credit situations. The positive feedback underscores a strong recommendation for Credit1Solutions based on their impactful results and supportive service.

Negative customer reviews

While most reviews are positive, some clients have expressed concerns or mixed feelings about their experiences. One review mentioned feeling uncertain at the beginning of their process, though they remained hopeful. Another customer had issues with ongoing situations that were still pending resolution, leaving them unsure of the outcome. A few reviews indicated a slower start due to external factors, such as delays caused by the Covid-19 pandemic. Despite these worries, the general mood is still broadly positive, and the company's helpful support takes care of most issues.

Company response

Credit1Solutions consistently responds to feedback with appreciation and a commitment to addressing concerns. The company acknowledges positive reviews with gratitude, emphasizing their dedication to providing excellent service and achieving client satisfaction. The responses for reviews expressing fears or negative experiences are empathetic and focused on resolving issues. 
The company often reassures clients by reiterating their commitment to improving credit scores and providing ongoing support. Responses typically include an invitation to contact the company directly for further assistance, reinforcing their proactive approach to client care.

Customer Support

You can contact Credit1Solutions.com’s team by phone or email at 270-982-4747 or [email protected]. You can also submit a ticket with your message on their Contact Us page, and their team will get back to you as soon as possible.

Their website also offers educational blogs and articles on credit reporting and how to build and maintain good credit.

Final Thoughts

Credit1Solutions.com offers a robust range of services to assist individuals in improving their credit health and financial standing. With a background of over 18 years in the industry, the company leverages legal expertise and a deep understanding of credit management to provide effective solutions for addressing credit issues. Key features include free access to credit scores and reports, detailed credit report assessments, and a flexible cancellation policy, all of which contribute to a comprehensive support system for clients.

While customer feedback is generally positive, highlighting improvements in credit scores and effective resolution of credit issues, some reviews mention concerns such as delays and uncertainty during the process. These mixed reviews suggest that while many clients experience significant benefits, occasional challenges may arise.

Prospective clients are encouraged to review these insights and evaluate how the available services align with their credit repair needs. This approach will help ensure that you make a good decision based on a clear understanding of the potential benefits and limitations of the service. 

To do so, you can visit our website and read our comprehensive reviews and in-depth blog posts. Additionally, our unique comparison tool offers an easy way to stack providers against each other to find the one that will serve you best.

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