Step 1 Credit
Is This Your Business?3.4
4.9
Overall Score
Author: Kaitlyn Short
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.
