Step 1 Credit Logo
star star star star_half star_border


Overall Score

LAST UPDATED: July 23rd, 2022

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.

Top Ranked Companies


The Good

  • 24/7 Client Central
  • Unlimited Disputes

24/7 Client Central 

Step 1 Credit provides a client central portal that customers can access around-the-clock to see their personalized account overviews. 

Unlimited Disputes

Step 1 Credit offers customers an unlimited amount of credit bureau disputes, creditor disputes, and inquiry disputes. Many other credit repair companies have a limited dispute process. 


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. 


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.

View Best Credit Repair Companies

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating



star star star star_half star_border

10 Reviews

Review Breakdown

5 grade


4 grade


3 grade


2 grade


1 grade


Sentiment Criteria


star star star star_half star_border


star star star star_half star_border


star star star star_border star_border


star star star star_half star_border

Filter by:


Sort by:

star star star star star

J Howad Apopka, FL

Step 1 Credit was great and helped me out a lot. Anyone saying otherwise surely didn't have realistic expectations. I had many deletions and I took their advice and worked to get a credit card and build good credit.

5 years ago

star star star star star

James red Midway City, CA

Great customer service. I have used other services before so I know how it works. This company has really good customer service and I have had great deletions.

6 years ago

star star_border star_border star_border star_border

Becky Dunagan San Antonio, TX

This Company has the worst customer service! They are the worst and I mean the worst credit repair company out here. They promise you all of these big offers and do not follow through with any of them. They ripped me off for 6 months and then told me I had a final payment after I told them I wanted to cancel their incompetent service. Do not use them. You will regret it. Believe you me!

6 years ago

star star_border star_border star_border star_border

Melinda Devaux Hudson, FL

I have asked this company to close out my account and to stop taking money from my account, they have not done one thing with my credit not one thing, actually they have caused more damage then good, now I am needing to speak with my bank to stop them from removing money for a service I cancelled months ago!!!!! Lexington law did more for me then this company, this company cause more problems and are stealing my money after I have asked for them to stop and close out my account!!!!!!!!!!!

6 years ago

star star star star star

marg bloom

Step 1 Credit has been great! I've used other credit repair services and they have been by far the best. Great customer service and great results!

6 years ago


Review Source

star star star star star

Jesse Prince Little Rock, AR

Just like the name make this your step number 1 in the right direction. I used them in 2020 a gentleman named Tim helped me repair my credit. Great company A+

1 year ago

star star star star star


Awesome Results! Couldn't be happier. My score has gone way up and everyone is very helpful. I highly recommend.

7 years ago

star star_border star_border star_border star_border

shaquanta Morgan City, LA

I tired this company before going back to Lexington law I didn't see no results but they wanted their first works free besides that they ran my card for credit reports without asking me for a charge of 39.95 and now their mad cause I haven't made one single payment why pay if I don't see any results.

8 years ago

star star star star star


Very Excited! My score went from a 538 to a 722. I am gonna keep going, shooting for 800.

6 years ago

star star_border star_border star_border star_border

Amber Ranney

I have been trying to reach step 1 by phone for two weeks and can't get through is anyone else having this problem

7 years ago