Step 1 Credit


Overall Score

6 User Reviews

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Step 1 Credit seeks to provide simple and affordable credit repair services to its customers. The company is very proactive in responding to customer complaints, and will on occasion provide good-faith refunds to customers who feel they have been wronged. However, the company also requires customers to purchase their own credit reports, and is severely limited in how it can legally represent its clients to creditors and reporting agencies.

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The Good

  • Lower Monthly Rates

Step 1 Credit helps clients resolve a wide variety of credit inaccuracies and negative items, including late payments, bankruptcies, short sales, repossessions, and more. The company provides these baseline services at a lower monthly rate of $69.95 (plus a $99.95 first work fee).

Lower Monthly Rates

Step 1 Credit charges monthly rates that are below the industry average.

The Bad

  • No On-Staff Attorneys 
  • Does Not Pull Clients' Credit Reports 
  • No Money-Back Guarantee

Step 1 Credit does not provide access to attorneys in the event that customers require legal assistance or representation with their credit repair. Although this is not a legal requirement, it is a feature employed by many top companies, and offers customers an additional level of protection against creditors and debt collectors. Step 1 Credit customers will also be required to take a more active role in the credit repair process by either regularly purchasing updated credit reports from all three bureaus, or enrolling in supplemental credit monitoring. The company does not appear to offer a service warranty or money-back guarantee.

No On-Staff Attorneys

The company cannot legally represent customers or put a stop to collection calls.

Does Not Pull Clients' Credit Reports

Customers are required to purchase updated credit reports separately.

No Money-Back Guarantee

Step 1 Credit does not appear to offer full refunds for dissatisfactory service. Want to know which companies are top-rated? Click here.

The Bottom Line

If you are already enrolled in credit monitoring, you may consider Step 1 Credit as a less expensive alternative to other credit repair companies. But if you find that your credit repair issues require legal representation, you may find that other credit repair companies are better suited to help you restore your credit.

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