Step 1 Credit

• 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. 

• 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.