Is Credit Repair Legal?

Yes, Credit Repair is legal. In 1974 The United States Government passed the FCRA (Fair Credit Reporting Act) which gives consumers the right to dispute any information in their credit report that is inaccurate, unverifiable, or obsolete.

Are Credit Repair Companies Legal?

Absolutely! Credit Repair Companies are Federally Regulated by The United States Government under the CROA (Credit Repair Organizations Act). Under the CROA consumers are legally allowed to hire Credit Repair Companies to dispute inaccurate, unverifiable information from their credit reports. The CROA also regulates what Credit Repair Companies can and cannot do for their clients. Most States also have their legislation for Credit Repair Companies and an authority that regulates them.

How Long Is The Credit Repair Process? 

Typically, most clients start to see results within 90 days. However, there is no defined time for Credit Repair and progress as each individual's Credit Situation is different.

Are Results Guaranteed? 

No. The CROA makes it illegal for a CSO (Credit Services Organization) to promise their clients results. If any Credit Repair Company is promising to "wipe" your credit report or "start a new credit identity" is most likely a scam and should be avoided at all costs. 

How Much Does It Cost?

One Plan, at One Price!  $99.99/Month with a $49.99 Set Up Fee.  All of our consultations are 100% FREE!

Is Number1 Credit Solutions A Legal Credit Repair Company?

Yes! Number1 Credit Solutions LLC®️ is a Credit Services Organization in The State of Texas. As a CSO, Number1 Credit Solutions LLC®️ is registered and bonded with the Texas Secretary of State under Chapter 393 of the Texas Finance Code. Visit, to verify a Credit Services Organization in The State of Texas.