Step 1 Credit - Real Customer Reviews (2024)

Step 1 Credit - Real Customer Reviews (1)

3.4

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10 User Reviews

4.9

Overall Score

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Compare

3.4

star star star star_half star_border

10 User Reviews

4.9

Overall Score

Compare

Compare

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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.

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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.

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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.

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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 issuesrequire legal representation, you may find that other credit repair companies are better suited to help you restore your credit.

View Best Credit Repair Companies

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User Reviews

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3.4

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10 Reviews

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5 grade

60%

4 grade

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3 grade

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2 grade

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J Howad Apopka, FL

Step 1 Credit was great and helped me out a lot. Anyone saying otherwise surely didn't have realistic expectations. I had many deletions and I took their advice and worked to get a credit card and build good credit.

5 years ago

star star star star star

James red Midway City, CA

Great customer service. I have used other services before so I know how it works. This company has really good customer service and I have had great deletions.

6 years ago

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Becky Dunagan San Antonio, TX

This Company has the worst customer service! They are the worst and I mean the worst credit repair company out here. They promise you all of these big offers and do not follow through with any of them. They ripped me off for 6 months and then told me I had a final payment after I told them I wanted to cancel their incompetent service. Do not use them. You will regret it. Believe you me!

5 years ago

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Melinda Devaux Hudson, FL

I have asked this company to close out my account and to stop taking money from my account, they have not done one thing with my credit not one thing, actually they have caused more damage then good, now I am needing to speak with my bank to stop them from removing money for a service I cancelled months ago!!!!! Lexington law did more for me then this company, this company cause more problems and are stealing my money after I have asked for them to stop and close out my account!!!!!!!!!!!

6 years ago

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marg bloom

Step 1 Credit has been great! I've used other credit repair services and they have been by far the best. Great customer service and great results!

6 years ago

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Review Source

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Jesse Prince Little Rock, AR

Just like the name make this your step number 1 in the right direction. I used them in 2020 a gentleman named Tim helped me repair my credit. Great company A+

1 year ago

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Bryan

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

6 years ago

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shaquanta 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.

7 years ago

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Georgia

Very Excited! My score went from a 538 to a 722. I am gonna keep going, shooting for 800.

6 years ago

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Amber Ranney

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

6 years ago

Step 1 Credit - Real Customer Reviews (2024)

FAQs

How many questions do you need to get right to pass Step 1? ›

What percentage of questions must you answer correctly to pass the USMLE Step 1? In order to pass the USMLE Step 1, you must answer approximately 60% of questions correctly. In numerical terms, if there are 280 questions in total, you must answer at least 168 questions correctly.

Is 60% enough to pass Step 1? ›

USMLE Step 1 Passing Score

Unlike the other USMLE exams, Step 1 is reported as pass/fail only, so you will not receive a numerical score. According to the USMLE program, examinees must correctly answer approximately 60 percent of items to pass each USMLE Step.

How many questions can you miss on Step 1 to pass Reddit? ›

If you're getting more than 70% correct then your saftely passing. And if you're getting 65% you are in the border to pass or fail.

How many passes of UWorld for Step 1? ›

Completing one pass: You should complete two passes of UWorld before your test date. Start your second pass at the beginning of your chosen study period to ensure you have enough time.

Is UWorld enough to pass Step 1? ›

Although UWorld is valuable for learning and reviewing, it's not sufficient as the sole study tool for Step 1. We recommend utilizing UWorld in conjunction with First Aid and flashcards to get the most out of your dedicated.

What percent of people fail Step 1? ›

Most notably, between 2021 (old busted graded version) and 2022 (hot new p/f version), Step 1 pass rates declined. For allopathic students, the Step 1 pass rate dropped from 95% to 91%. For osteopathic students, the passing rate decreased from 94% to 89%.

Is Step 1 always 280 questions? ›

How Many Questions Are on Step 1? The USMLE Step 1 exam will not exceed a total of 280 multiple-choice questions, which cover various disciplines, physician tasks and competencies, and content specifications. Step 1 is an eight-hour exam that is subdivided into seven blocks of up to 40 questions each.

What is the average to pass Step 1? ›

What Score Should You Be Aiming for on Your Step 1 Practice Exams? While we know the passing score for Step 1 is 196, there is no official percent correct released to pass Step 1. A generally agreed upon estimated percent correct for a passing score is 60% correct.

How many questions on Step 1 are not counted? ›

Some people say the reason why NBME is only 200 questions vs 280 on the real deal is because 80 of the 280 are experimental questions that aren't counted.

Is it worth doing UWorld twice? ›

While it might feel good to see those 80-90% blocks on UWorld for your second pass, it won't be doing much to help you. Spend your time working diligently elsewhere and see your practice scores continue to improve rather than falsely elevate from remembering the question from the first time.

How many questions should I do a day on UWorld? ›

However, during a dedicated study period, it's advisable to allocate a significant portion of your day to UWorld. Initially, many students ease in by tackling around 40 questions daily, equivalent to one full block. As you progress, aim to complete 80 to 120 questions each day, equating to 2-3 blocks.

What is the bare minimum score to pass Step 1? ›

The current minimum score to pass Step 1 is 196, so if you pass, you at least scored 196 or higher. Step 1 becoming pass/fail means that Step 2 will now be given more weight, as it will still be scored.

How many incorrects to pass Step 1? ›

Step 1 Passing Score Percentage

The passing score percentage for each of the Step 1 NBMEs is: CBSSA 25 – 64% correct (73 incorrect) CBSSA 26 – 64% correct (72 incorrect) CBSSA 27 – 65% correct (71 incorrect)

What is a safe score to pass Step 1? ›

Let's consider various USMLE Step 1 score brackets. A score of minimum pass to 215 would be considered low, yet still a pass. The lowest passing score possible is 194, which equates to just north of 55% correct of the 350 questions.

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