Build A Richer Tomorrow, Starting With Your Credit
Richardson & Associates, DBA The Rich 1 Solutions, guides you through a personalized credit audit, a clear plan, and ongoing support — so you know exactly where you stand and what comes next.
Richardson & Associates
Doing business as The Rich 1 Solutions, we help clients understand their credit, identify eligible inaccurate or unverifiable reporting, and follow a clear, personalized plan toward stronger credit.
Every engagement starts with a consultation and a 3-bureau credit audit, so your plan is built around your actual credit file — not a generic template.
Our Approach
Audit first, plan second, work third. No plan is billed until your consultation and credit audit are complete and you've chosen the option that fits.
Choose Your Plan
Consultation & Audit
- ✓ One-on-one consultation
- ✓ Full credit audit / review
- ✓ Review of credit reports for inaccurate information
- ✓ One round of disputes for identified inaccuracies
- ✓ Recommended next steps after the first round
Silver
- ✓ 3-bureau credit analysis
- ✓ Personalized action steps
- ✓ Review of inaccurate, incomplete, or unverifiable information
- ✓ Credit education
- ✓ Client support
- ✓ Optional ongoing services at $99/month — not automatic
Bronze
- ✓ Personalized credit-building blueprint
- ✓ 3-bureau credit analysis
- ✓ Review of inaccurate or questionable negative accounts
- ✓ Up to 3 dispute/review rounds
- ✓ Credit education and score-factor guidance
- ✓ Client support
- ✓ No monthly Rich 1 Solutions service fee
Platinum
- ✓ Everything in Bronze, plus:
- ✓ Advanced account-by-account credit audit
- ✓ Up to 7 dispute/review rounds
- ✓ Monthly progress reviews
- ✓ Deeper review of complex credit-reporting issues
- ✓ Credit-utilization and debt-paydown strategy
- ✓ Updated action steps & mid-program strategy review
Rich Credit
- ✓ Everything in Platinum, plus:
- ✓ Up to 12 dispute/review rounds
- ✓ Extended credit-profile optimization
- ✓ Homebuyer and funding-readiness planning
- ✓ Debt-to-income and utilization strategy
- ✓ Milestone-based action steps
- ✓ End-of-program readiness review
Completing enrollment does not trigger a plan charge by itself. Your consultation and credit audit are completed first, then you select a plan and authorize services under the separate Credit Services Agreement.
Active Credit Monitoring (SmartCredit)
Credit monitoring is separate from all Rich 1 Solutions service fees. Clients are required to maintain active SmartCredit monitoring while credit services are being performed. SmartCredit offers a $1 trial to begin, with ongoing monitoring costing up to approximately $25/month, paid directly to SmartCredit.
The client must keep monitoring active so updated credit reports can be reviewed throughout the service period. Trial length, renewal pricing, and terms are set by SmartCredit and may change.
How To Get Started
Onboarding Complete
Complete your onboarding email process: submit a valid government-issued photo ID (and proof of current residency if your address doesn't match your ID — a recent utility bill, bank statement, or pay stub). Documents can preferably be sent by email or uploaded through the client portal.
Consultation, Audit & Plan Selection
Your consultation and credit audit are completed first. Review the findings, choose your plan, and complete the applicable Credit Services Agreement before plan billing is initiated.
Activate Monitoring & Begin Services
You'll receive your SmartCredit enrollment link. Keep monitoring active while services are being performed. Plan charges follow the completed-service and billing terms in your signed agreement.
Frequently Asked Questions
What's included in the $75 special?+
A one-on-one consultation, a full credit audit/review, review of your credit reports for inaccurate information, one round of disputes for identified inaccuracies, and recommended next steps after that first round.
How do I get started?+
Complete your onboarding email process and provide your ID (and proof of residency if needed), complete your consultation and credit audit, then choose the plan that fits and sign your Credit Services Agreement.
What negative items can you review?+
We review eligible inaccurate, incomplete, or unverifiable items on your credit reports. Accurate, current, and verifiable information cannot lawfully be removed merely because it's negative.
Do you guarantee results?+
No specific credit-score increase, deletion, approval, lending result, or completion timeline is guaranteed. Results vary based on individual circumstances.
Do you offer phone support?+
Standard plans are supported through email and your 24/7 client portal. Check your email often, especially in your first 72 hours.
What do I need before enrolling?+
A valid government-issued photo ID, and active SmartCredit monitoring (starting with their $1 trial) that stays active for the duration of your services.
Ready For A Richer Tomorrow?
Tell us a bit about yourself and we'll follow up to schedule your consultation and credit audit.
Prefer email? Reach us directly at [email protected]