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Credit1Solutions.com

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Author: Jenna Vasquez

LAST UPDATED: April 19th, 2022

Credit1Solutions.com offers nationwide credit restoration services on a monthly fee basis. The company has served thousands of clients and claims an average of 18.7 removals of inaccurate credit report items in a span of four months for its customers.

Credit1Solutions.com abides by all laws and provisions of the Consumer Credit Protection Act. The company strives to utilize those laws to remove and repair questionable negative items for each client's report with Equifax, Experian, and TransUnion. Credit1Solutions.com also does not charge advanced fees to clients.

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The Good

  • Money-Back Warranty
  • Plan Options
  • Dedicated Credit Repair Service
  • Attorney on Staff
  • Certifications
  • Facilitated Legal Services

Credit1Solutions.com provides clients with the opportunity to see an increase in their credit scores through their dispute process. The company's certified and knowledgable staff will help each client move through the credit repair process. Other benefits of the service include:

Money-Back Warranty 

Credit1Solutions.com provides a full money-back warranty for all customers.

Plan Options

Credit1Solutions.com charges customers a starting monthly fee of $79.95 for its Fresh Start Service. This monthly fee is significantly lower than the majority of monthly fees that other credit repair companies charge. According to the company's website, the following are the three credit repair services that Credit1Solutions.com offers: 

  • The Fresh Start Service: Costs $79.95 per month and includes unlimited credit bureau disputes, assistance from a FICO certified credit advisor, 24/7 access to an online client portal, an in-depth budget expenditure spreadsheet, and access to an online education library. 
  • The Comprehensive Service: Costs $99.95 per month and includes unlimited credit bureau disputes, unlimited personal summary information disputes, unlimited inquiry investigation, assistance from a FICO certified credit advisor, 24/7 access to an online client portal, an in-depth budget expenditure spreadsheet, and access to an online education library.
  • The Fast Trac Service: Costs $349.95 per month and includes everything from the Fresh Start and Comprehensive services but also includes in-depth specialty credit repair. 

Credit1Solutions.com also does not charge any advanced fees. 

Dedicated Credit Repair Service

Credit1Solutions.com offers free credit analysis consultations, intensive online credit education, unlimited disputes, unlimited deletions, a licensed attorney on staff and anytime progress updates for clients through its online portal.

The credit restoration company provides 24/7 customer services with customized credit repair plans for its clientele. The company website gives clear and comprehensive information to consumers regarding their federal credit repair rights. 

Attorney on Staff

Unlike many other companies in the credit repair industry, Credit1Solutions.com does have a licensed attorney on staff that has assisted the company's Kentucky clients since 2017. 

Certifications

Credit1Solutions has FICO-certified experts on staff and has also completed the Fair Credit Reporting Act (FRCA) certification.

Facilitated Legal Services

In 2020, Credit1Solutions facilitated $1.8 million in lawsuit settlements and debt forgiveness for its clients. The company can review your credit report and help you facilitate either a state or federal case against violators who may be damaging your credit.

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The Bad

  • High One-Time Fee

While Credit1Solutions.com provides professional credit repair services to its clients, there are some drawbacks to its service as well. Prospective clients should be aware of the following limitation prior to enrollment:

High One-Time Fee

Although Credit1Solutions.com offers credit repair services for as low as $79.95 per month, clients are expected to pay a fairly high one-time fee of $114.95. According to the company, the one-time fee will be processed within 3 to 10 days from the first day of service activation. This one-time fee is somewhat high in comparison to what some other companies in the credit repair industry charge. 

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The Bottom Line

Credit1Solutions.com offers a dedicated nationwide credit repair service for consumers in need of lengthy credit restoration. The company provides three credit repair plans to choose from, online educational resources, has a licensed attorney on staff, and allows clients to cancel services at any time.

Its impressive 18.7 average item removal rate in a 4-month span may also be a good reason for consumers to choose its services. Credit1Solutions.com, however, does charge a comparatively high one-time fee. Potential clients are encouraged to read Credit1Solutions.com customer reviews and visit the company's website to learn more about what Credit1Solutions.com has to offer.

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Star Rating

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4.7

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45 Reviews

Review Breakdown

5 grade

78%

4 grade

18%

3 grade

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2 grade

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1 grade

4%

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Review Source

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Joy Williams Elizabethtown, KY

Credit 1Solutions has been great to work with. Friendly, understanding, knowledgeable, informative. I've referred several people to credit 1and will continue to do so. Some don't know where or how to start cleaning up their credit like me. Credit one took care of the actual accounts and dealing with people, I just provided the information.

4 years ago

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Reply from Credit1Solutions.com

Joy- We love your spirit and thank you for the vote of confidence.

Feb. 16th, 2022

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Katrina Smith

I was referred to Credit1solutions (Robert) by my mortgage lender in regards to an issues I was having with a creditor on my credit report. I had tried to have this issue resolved for over a year, but no luck on my part. After speaking with Robert and explaining to him my issue, he quickly came up with a "Solution" and put things in to action. I can honestly say, after about a week I got a notice from my credit monitoring app that my issue was resolved. I would highly recommned "Credit1Solutions" for any issues you may have with a creditor or the bureaus with getting information corrected on your credit report. This was a great relief for me and I owe it all to Robert. With that being said, I can now move forward with my Lender and no concerns going forward. Thank you Credit1Solutions (Robert) for helping me solve my issue.

6 years ago

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Reply from Credit1Solutions.com

Katrina - It was our pleasure to help you. Good Luck house hunting in North Carolina!

Jan. 2nd, 2020

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Michael Knego Louisville, KY

Over 2 years ago I was really struggling with my credit and had many negative marks on my credit report. I was referred to Credit One Solutions by my boss who had uses them in the past. I honestly did not think these guys would ever be able to help me but figured I would give it a try. The first time I called their office I was absolutely amazed at how friendly and knowledgeable they were. They walked me through every step of what needed to be done and made the process extremely simple. It has now been over a year and I am amazed at the results I have seen with Credit One Solutions. When I started I had over 200 negative remarks on my credit report and I am now currently down to under 15 negative remarks which we are continuing to work on. My credit score has gone from 530 up to over 700. I am extremely grateful for Credit One solutions and the help/support they provide.

10 years ago

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Reply from Credit1Solutions.com

Keep it going Michael, we are proud of you!

Jan. 25th, 2022

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Michael G. Schultz Phenix City, AL

Cultivating and managing an acceptable credit rating is not only essential, but paramount towards maintaining an enjoyable, productive and rewarding lifestyle; especially so in todays fast-paced and "credit-conscious" society. Unfortunately, many well-intending people lose sight of their credit rating through either financial mismanagement or unforeseen turn of events in turn, severely limiting their ability to buy or rent a home, open a bank account, or even find suitable employment. Compounding this problem is the little known fact that ALL of the major credit reporting agencies, although attempting to appear as an advocate for the consumer, actually PROFITS from the ill fortunes of consumers; having little to no intention of removing even delinquencies that have been satisfied. For these multi-billion dollar industries that provide lenders with the "justification" to charge consumers higher interest rates -- your BAD credit is GOOD business for them! Returning stateside after a harrowing combat tour in Iraq, I was confronted with the beginning of a nasty divorce which would ultimately consume my financial security as well as my future credit worthiness. After years of working hard to maintain my financial obligations in a responsible manner, I was ashamed at seeing my credit score in the 400's. Turning to the professional; but personable, team at Credit 1 Solutions was one of the best decisions that I have ever made. It was, however, not an overnight fix; resuscitating a near-lifeless credit rating takes time and diligence. The Credit 1 staff stayed on the heels of the "Big Three" with their proven methods and techniques, educating me along the way on how to protect myself from these pitfalls in the future. Today, my credit rating is restored, affording me the opportunity to not only purchase goods and services at competitive interest rates, but to enjoy a more secure financial future as well.

11 years ago

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Reply from Credit1Solutions.com

Well said. It's not about the credit repair it's the relationship. Thanks for recognizing.

Jan. 25th, 2022

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Tammy Columbia, MO

My husband and I were recommend to Credit1Solutions after we were interested in purchasing a home. Neither of us really knew what our credit looked, like and were told we would need to improve our scores, but didn't really know what direction to take. The agent we were working with suggested a lender, who then sent us in the direction of Credit1Solutions. I was very nervous and worried that may have been a scam and caused more issues. However, i could NOT be HAPPIER with the way things have been going so far. We have been with them a little over a month now. ANYTIME we have asked a question, they have responded within 24hrs. to emails, and with in few hrs. if we've called and left a message. They have always given us detailed explanations when we've asked questions. That being said, we also understand that we have to do our part too. Such as sending in the info they need in a timely manner, and understanding that our mess with finances did not occur over night, and as much as we want it too, it isn't going to get fixed overnight either. It also seems like a lot of money too. But we realize, that we are paying for their knowledge. They are very educated in what they do, and they believe in sharing their education with you. I know ppl who have used services that promise to do what they have done, with little or no follow through, which is why this whole process was scary for us. When beginning this journey, before we decided to go with C1S, I had other ppl recommend names to us. But when I called, the number was disconnected. one of the things I liked about this company is that they have been in business for so long. Before we officially signed up, they went over everything in such great detail. I am very happy with the results so far, and they have helped me to understand so much more that I did before. I know we have a ways to go yet, but so far, very pleased!

11 years ago

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Reply from Credit1Solutions.com

It's been our pleasure!

Jan. 25th, 2022

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allen bailey Columbia, SC

The guys at Credit1Solutions did a wonderful job of teaching me about my credit score and the multiple factors that hurt or help the score. Jared and Robert provided me with all of the tools, knowledge and motivation that I needed to get my credit straighten out. When I first went to credit1 solutions, I was unable to acquire a loan(even with a co-signer). Now my credit score is over 800 and I have people competing to get my business and give me loans. In addition I have made a couple good friends. whenever I see Jared and Robert out in the community It is like we've known each other for years instead of the short 5 months that we worked together to rebuild my credit. I have been referring my other friends to use them almost the whole time that I have been using them. I will continue to help people find them as well.

11 years ago

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Reply from Credit1Solutions.com

It's been a pleasure getting to know you! Thanks for trusting our company.

Jan. 25th, 2022

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John McConnell

Was introduced to Robert through the local Chevy dealer. At the time was working on getting a new vehicle for my family. Ended up getting the vehicle but still had horrible credit. Robert and his team provide AMAZING customer service and take care of people on a one-on-one basis. They have taught me some of the things most of us do not know about credit ratings and how the credit bureaus are stubborn when it comes to repairing your credit report. They do all the hard work and give you a dashboard so you can track the progress of every dispute. Awesome! Recommend to all my friends and family. Im up to 750+ now. Thanks!

11 years ago

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Reply from Credit1Solutions.com

Get that car refinanced big guy! Talk to you soon again.

Jan. 25th, 2022

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Tim Yates Cecilia, KY

Great service. Robert was always easy to work with. Always gave a complete understanding of everything. And he done exactly what I ask him to do. Is the main thing of cleaning up my credit report. Now because of him I have excellent credit. All I have to do is maintain it. I would highly recommend him to anyone looking to clean up there credit report. Thanks!

7 years ago

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Reply from Credit1Solutions.com

Tim as always thank you and Shae for your support. If we can ever be of help utilizing one of our services we offer. Please call or stop by anytime. It was a real pleasure working for you.

Jun. 14th, 2019

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Alan Hardwick Hodgenville, KY

Credit1 Solutions is great. Robert did not promise "the moon". He explained that the process would take some time. When I started with them, my credit scores were in the high 400s and low 500s. After the suggested amount of time, and with their efforts, my scores rose to the mid 600s to low 700s, and I was able to qualify for my permanent home financing with the bank. (I was doing a temporary owner finance prior to that). I did my part to make sure that i did not cause any NEW negative credit items. I would strongly recommend this company!

10 years ago Edited September 14, 2021

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Reply from Credit1Solutions.com

Thanks Alan, it's been our pleasure! Good luck with your refinance

Jan. 25th, 2022

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Heidi Viers Vine Grove, KY

They have helped me tremendously. I didn't think that I would ever be able to own my own home. And because of Credit1Solutions, I am now a homeowner

4 years ago

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Reply from Credit1Solutions.com

Congratulations to you both Heidi.
Send us a photo of your new home, we would love to see your new home!
Talk to you soon. Credit1solutions Staff

Feb. 23rd, 2022

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Donovan williams Elizabethtown, KY

I've never had to wonder what's going on or if I don't understand anything as they are always very helpful and considerate of their customers needs.

4 years ago

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Reply from Credit1Solutions.com

Thanks Donovan. Placing an emphasis on service vs. money usually works better for us and when a client like you helps provide us updates and communicates it all falls into place. Have a great week! Credit1solutions Staff

Feb. 23rd, 2022

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William B. Campbellsville, KY

Credit 1 Solutions is the place to go! I was extremely happy with the outcome. They helped bring my credit score from the lower 500's to right at 700 now... As if that wasn't enough, they helped me win a settlement of $9500.00.. I encourage anyone trying to fix there credit to use Credit 1 Solutions...... I'm Very Satisfied!!!

5 years ago

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Reply from Credit1Solutions.com

Thanks William for taking the time to write down your experience , helping folks earn fcra or fdcpa lawsuits because of credit reporting violations is not something most people are aware of. Thanks for promoting our niche. Robert

Mar. 20th, 2021

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Mia Hammock Radcliff, KY

Credit1 solutions are the best! Great customer service! They brought my score up over 100 points, settled over 10 disputes with companies who were still charging interests on old accounts and because of credit1 solutions, my husband and I were able to purchase our first home. How amazing is that? Thank you credit1 Solutions!

7 years ago

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Reply from Credit1Solutions.com

We appreciate you taken the time to share your message. Its been our pleasure getting to know you.

Jun. 10th, 2019

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Brandy Stafford

My experience with this business is amazing!! Everyone here is very friendly! They have a good way of explaining things and they be as helpful as they can! I recommend people here when they tell me about credit! This company is legit! I’m so grateful for them! Best crew ever!

7 years ago

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Reply from Credit1Solutions.com

The motto we talk about is customer service vs the money...I am glad it shows. Thanks

Jun. 10th, 2019

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Michael cayo Louisville, KY

I am a past customer and a current customer. Ever since I walked in the door the first time I knew I had someone in my corner! I dont care where I am, if I need advice or help, credit1solutions is the only people I trust. Thank you for your help!

7 years ago

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Reply from Credit1Solutions.com

Whatever you need Michael, thanks for taken a few minutes today and sharing your message.

Jun. 10th, 2019

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Jake killion Elizabethtown, KY

I was expecting improvements in my repair but nothing like they was able to do. It was an unbelievable job my credit score jump 100 points and they got everything deleted that was a negative item. Very pleased and thankful for them.

10 years ago

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Reply from Credit1Solutions.com

It takes us working together Jake, you were awesome to work for

Jan. 25th, 2022

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Tiara Whitten Louisville, KY

Robert and Jared are amazing!!! These guys did a wonderful job repairing my credit. They listened to my concerns and gave GREAT advice. I would definitely recommend this company and these guys to anyone in need of a great credit repair company.

11 years ago

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Reply from Credit1Solutions.com

Jared deserves the praise on this one! We are lucky to have him.

Jan. 25th, 2022

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Sam Hirn New York, NY

Thanks to Credit1Solution by far the best credit services I have ever worked with. The services are great and my credit has improved tremendously with their team. Thanks credit1solutions!!

4 years ago

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Reply from Credit1Solutions.com

Thank you for taking the time to share your experiences. We appreciate your business.

Jan. 25th, 2022

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Devin Hicks Elizabethtown, KY

I recently signed up and have seen nothing but improvements on my credit score. I couldn’t ask for better people to deal with. They have always been very respectful and answered any questions I’ve had.

7 years ago

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Reply from Credit1Solutions.com

I love it. Just for those nice words, we will make sure you get your home now!

Jun. 10th, 2019

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James Craft Eminence, KY

This business is very professional and very good at their job. They are very friendly and always willing to help. To date I have had almost 75 items deleted from my credit report. I recommend them to anyone.

10 years ago

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Reply from Credit1Solutions.com

We appreciate you sharing your experiences and wish you and yours the best.

Jan. 25th, 2022

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Jim Storey Elizabethtown, KY

My experience with Credit One has been great , My overall credit score has improved enough that I was able to buy a new home. I'd recommend Credit One to anyone that wants to improve their credit.

11 years ago

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Reply from Credit1Solutions.com

As we discussed. We look forward in helping you achieve more. thanks

Jan. 25th, 2022

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Rocky ditto Radcliff, KY

They get it done great people treat you like family my credit have went up already

4 years ago

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Reply from Credit1Solutions.com

Our believe in relationships works better when its reciprocated. Thanks to you, that desire to have better credit and your participation makes our job easier.

Feb. 23rd, 2022

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Laura Mccall Yuba City, CA

Credit1solutions is a very nice company my credit was terrible because of some bad choices and they helped me fix it. Their customer service is so nice. I went from a 540 and now I'm over 700

4 years ago

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Reply from Credit1Solutions.com

Thank you for taking the time to share your experiences. Our business will only remain open with customers allowing us the opportunity to serve their needs. So again thank you for sharing , Robert

Apr. 15th, 2022

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Ramon Turner Fort Knox, KY

Very professional, personable employees and helpful employees

4 years ago

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Reply from Credit1Solutions.com

Ramon was super easy to work for and definitely made our job easy. Most of all we he has become a friend of Credit1solutions

Mar. 3rd, 2022

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Justin David Stamey Upton, KY

These guy are extremely knowledgeable and has helped my credit a lot

4 years ago

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Reply from Credit1Solutions.com

Justin it's been our pleasure. You are awesome and we appreciate you as a client and person!

Feb. 23rd, 2022

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Clark Campbell Radcliff, KY

Very knowledgeable about the laws which helps the process go much smoother

4 years ago

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Reply from Credit1Solutions.com

We do believe that comprehending the compliance codes mandated by the industries task force helps the credit process and definitely shows damages when the creditors or bureaus do not comply. This is when our Facilitated Legal Services helps clients win Lawsuits against violators which most competitors are lacking the knowledge.

Feb. 23rd, 2022

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Ashlee Roberts Chicago, IL

Robert and team are dedicated to servicing your needs. I highly recommend using them if you need assistance in budgeting or credit history.

10 years ago

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Reply from Credit1Solutions.com

You're the best Ashlee

Jan. 25th, 2022

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Carrie Keller, TX

I have only been a member for a month an have already experienced results. The staff have been very helpful and answered any questions I had.

11 years ago

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Reply from Credit1Solutions.com

Whatever it takes, we appreciate you sharing.

Jan. 25th, 2022

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Quel Gray Elizabethtown, KY

Constantly keep you informed or any updates

4 years ago

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Reply from Credit1Solutions.com

Thanks Raquel, it's been our pleasure. We are so grateful for your business and opportunity.

Mar. 16th, 2022

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Angel Sivado Louisville, KY

They did a wonderful job! I bought my home after 8months.

4 years ago

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Reply from Credit1Solutions.com

Angel thank you for taking the time to allow us the opportunity, congratulations on your new home!

Mar. 3rd, 2022

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Diane Dean Vine Grove, KY

They have worked since day one and made great progress

4 years ago

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Reply from Credit1Solutions.com

Thanks Diane- We are so happy for you and your progress. If you need anything we are here to help you. Thanks in advance- Credit1solutions Staff

Feb. 23rd, 2022

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Sbailey Rineyville, KY

It has been a great experience working with Credit1solutions. They have helped me every step of the way.

7 years ago

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Reply from Credit1Solutions.com

Thank you for sharing your experience with others and allowing us to work for you. Robert

Jun. 10th, 2019

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Aubrey Hayward, CA

This credit repair company is the best I’ve ever used and is the one that was the fastest and raised my credit by the most points.

4 years ago

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Reply from Credit1Solutions.com

It's our pleasure helping you achieve your goals. Taking the time to share your experiences helps us in return, so again thank you!

Apr. 19th, 2022

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Brian Bailey Lexington, KY

Amazing experience! Credit score improved tremendously and have even won 2 settlements for us!!

4 years ago

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Reply from Credit1Solutions.com

Brian, the settlements were for a total of 6500.00 against 2 of your creditors for reporting inaccurately. We are waiting on the 3rd that still owes you 4,000 and 2 others that have yet to settle but will get their shortly! In the end we hope to have you close to 760.

Mar. 4th, 2022

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Dana Dunklin Vine Grove, KY

Very helpful, knowledgeable, informative and friendly company.

7 years ago

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Reply from Credit1Solutions.com

The partnership has been great working for you and your husband, now we just need to help get you a home!

Jun. 10th, 2019