3.4
star star star star_half star_border
10 User Reviews
4.9
Overall Score
Compare
Compare
3.4
star star star star_half star_border
10 User Reviews
4.9
Overall Score
Compare
Compare
Good
Bad
Bottom Line
Reviews
Write a Review
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
#1 Lexington Law chevron_right
9.2 Overall Score
4.9 star star star star star (3,587)View Profile Visit Site View Profile
#2 The Credit Pros chevron_right
8.0 Overall Score
4.8 star star star star star (470)1-(833) 982-0290 Visit Site 1-(833) 982-0290
#3 CreditRepair.com chevron_right
7.1 Overall Score
4.6 star star star star star_half (1,599)View Profile Visit Site View Profile
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 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
Was this content helpful?
thumb_up Yes thumb_down No
border_color Write a Review
User Reviews
Star Rating
info
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%
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
cancel
Filter by:
arrow_drop_down
Sort by:
arrow_drop_down
info
star star star star star
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
star star_border star_border star_border star_border
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
star star_border star_border star_border star_border
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
star star star star star
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
check_circle
Review Source
star star star star star
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
star star star star star
Bryan
Awesome Results! Couldn't be happier. My score has gone way up and everyone is very helpful. I highly recommend.
6 years ago
star star_border star_border star_border star_border
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
star star star star star
Georgia
Very Excited! My score went from a 538 to a 722. I am gonna keep going, shooting for 800.
6 years ago
star star_border star_border star_border star_border
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