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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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Monthly Price
Company Rating


$79.95 -119.95







The Good

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

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.

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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 some top credit repair companies are better suited to help you restore your credit.

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3 Step 1 Credit Reviews

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  1. User Score


    May 3rd, 2017

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

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  2. User Score


    April 18th, 2017

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

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  3. User Score


    May 15th, 2016 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.

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