Step 1 Credit Logo
star star star star_half star_border

4.4

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

thumb_up

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. 

thumb_down

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. 

gavel

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

3.4

star star star star_half star_border

10 Reviews

Review Breakdown

5 grade

60%

4 grade

0%

3 grade

0%

2 grade

0%

1 grade

40%

Sentiment Criteria

Value

star star star star_half star_border

Quality

star star star star_half star_border

Service

star star star star_border star_border

Trustworthiness

star star star star_half star_border
We couldn't find any matches for your request. Click here to try again.