Empowering Your Financial Future
Understanding your credit rights and working toward financial literacy through expert guidance and advocacy.
About Thomas & Company Solutions
We are a professional credit services organization dedicated to helping individuals understand their rights under the Fair Credit Reporting Act and work toward achieving their financial goals through education, advocacy, and ethical practices.
Meet O.T. Thomas
With years of experience in credit services and a passion for financial education, O.T. Thomas founded Thomas & Company Solutions to help individuals navigate the complex world of credit reporting and work toward financial empowerment.
Our mission is to provide ethical, compliant, and effective credit services while educating clients about their rights and helping them develop the skills needed for long-term financial success.
We believe that everyone deserves to understand their credit rights and have access to resources that can help them work toward regaining their financial standing.
Professional Certifications
Credit Consultants Association
FCRA Certified
FDCPA Certified
Business Credit Specialist
Professional Excellence
Committed to the highest standards of service and compliance with federal regulations.
Client-Centered Approach
Your goals and financial well-being are at the center of everything we do.
Education First
Empowering you with knowledge about your rights and financial literacy.
Results-Oriented
Focused on helping you work toward regaining your financial standing.
Our Unique Approach
What sets us apart is our commitment to compliance, education, and ethical practices. We believe in empowering you with knowledge and advocating for your rights.
Why Choose Us?
Unlike many credit services organizations, we prioritize transparency and education. We want you to understand every step of the process and your rights under federal law.
We never make unrealistic promises or guarantee specific outcomes. Instead, we focus on helping you understand what's possible within the framework of the law and working diligently on your behalf.
Our goal is not just to help you address credit report issues, but to equip you with the knowledge and skills to maintain healthy credit for the long term.
Compliance-Focused
We strictly adhere to all federal and state regulations, including CROA and FCRA, ensuring our services are always ethical and legal.
Rights Advocacy
We help you understand and exercise your rights under the Fair Credit Reporting Act to challenge inaccurate, incomplete, or unverifiable information.
Educational Empowerment
We don't just help with credit challenges – we educate you about credit management and financial literacy for lasting success.
Personalized Service
Every situation is unique. We tailor our approach to your specific circumstances and goals, providing individualized attention and support.
Common Credit Report Challenges
Understanding the types of issues that can affect your credit report is the first step toward addressing them and working toward improved financial standing.
Your Rights Under FCRA
The Fair Credit Reporting Act (FCRA) gives you important rights when it comes to your credit reports. You have the right to:
- Access your credit reports for free annually from each bureau
- Challenge inaccurate, incomplete, or unverifiable information
- Have challenged items investigated within 30-45 days
- Add explanatory statements to your credit file
- Know who has accessed your credit report
Inaccurate Information
Credit reports may contain errors such as accounts that don't belong to you, incorrect payment histories, or outdated information that unfairly impacts your credit standing.
Unverifiable Items
Creditors and credit bureaus sometimes report information they cannot properly verify. Under FCRA, you have the right to challenge such items and have them investigated.
Outdated Negative Items
Negative information should be removed after specific time periods (typically 7 years for most items, 10 years for bankruptcy), but sometimes remains on reports longer than allowed by law.
Identity Theft Impact
Fraudulent accounts and charges resulting from identity theft can severely damage credit. Victims have specific rights under FCRA to address these issues.
Ready to Take Action?
Don't let credit report errors hold you back. Contact us today to learn how we can help you understand your rights and work toward your financial goals.
Get Your Free Consultation