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.
Step 1 Credit provides a client central portal that customers can access around-the-clock to see their personalized account overviews.
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.
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.
The company cannot legally represent customers or put a stop to collection calls.
Customers are required to purchase updated credit reports separately.
Step 1 Credit does not appear to offer full refunds for dissatisfactory service.