Step 1 Credit

After 4 months of paying $120 per month, I saw absolutely no change to my credit. it is a complete waste of time and money.

do not use them they only take your money they do not say the truth about taking items off they just take your money and no results. DO NOT USE THIS COMPANY ITS A SCAM OF YOUR HARD EARN MONEY THEY DONT PAY FOR WHAT THEY WORK AT ALL DONT LISTEN TO NOTHING THEY SAY...

To whom it may concern, I was in the process of trying to purchase a home for the first time in many years After looking at my credit score, I knew I needed a lot of help after making it through a divorce Credit1source was recommended to me by a loan officer, so I made a call in October I was able to discuss my credit history with Paul Aughtry, and how I could fix it This process began in October 2014, and within mos, Paul and Teresa Cadiz had my credit where it needed to be to qualify for what I needed! This company made my credit repair a dream come true! The cost for the credit repair I received over the mos, was minimal compared to what I have gained in my life and regaining my life!!! The “customer service” I received over this time frame was above and beyond acceptable, it was awesome!!!!! I highly recommend this company to help repair your CREDIT LIFE and you will not be disappointed!

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Step1Credit is not being forthright about the service offered and their level of attentionI did not receive communication from the company informing me of progress nor updates, nor newsletters I did, (and have an entire email file of all communication documentation) that the quantity of emails documents are automatedFrom the auto response when my credit card was drafted, and to when to watch for credit reports to arriveI received personally responded email to my incoming emailThe phone calls were indeed returned yet solutions where not achieved I was advised to just trust the process and keep with it I have not been the person accessing an accountIf, my 'account' was accessed times, then it was accessed internally by Step1Credit/employees or in the first month when setting up the file; If I had know of said account and that I could access it to see updates and progress, then many of my calls would not have had to even occur I have indeed seen credit score improvementI did not state that I had not Nor was any of my complaint addressing that As a paying customer, I expressed my concerns with Step1Credit's performance and itemized specifically in my complaintThose issues were not addressed in the response from Step1credit Scenario: If a customer is calling into a company monthly, bi-monthly and then weekly seeking clarity and explanation about process and progress updateIt seems to make sense to look at what it is the customer is trying to achieveI requested for [redacted] to contact me, and I was advised to just let it workI lost trust in the company month after month and my attempt of accountability was pushed aside and not tended to Once I became aware that I was not entitled to my very own credit report, that I had to purchase, made me feel very uncomfortable and I easily was able to decide to end our business relationshipI expressed concern and no valid explanation as to how I would pay for my report, and not receive a copyI will indeed investigate the regulations about that topic The experience I had was disappointing and I did not receive the Features and Benefits advertised on the company websiteI was not set at ease upon my calls, inquiries and requests When I began seeking data and accountability then this company choose to not be proactive to help resolve my concernsI was never offered anything free, not a monthly service fee nor a refund for the credit report I paid for yet was unable to receive a copy of I feel that as soon as I began pushing for verification and insight to progress, I was a advised to run another credit report, let the process work and keep with itThis was not a satisfactory result or responseThe last person I spoke with was very defensive and condescending while speaking with meRepeating the same statement and no direct answer of how to tend to the TWO major credit issues I started with and were still present after months of services I experienced one person who was very good at customer service and helped me several timesI began relying on her to update me and check my file for documents I sent inI thanked her very much for her help and wonderful patience and service to me Other consumers need to be warned of this poor experience Regards, [redacted]

Everything is documented through our system so that nothing can be missedThe text I sent [redacted] asked him for a good time for us to talk, not for him to call meI run a business and try to be as efficient as possible so we can provide the highest quality of service to all of our clients [redacted] NEVER responded to my request for a phone conference nor my direct request for an updated credit reportAs I stated before, I am happy to review his credit report and do whatever possible to help him achieve his goals but he has to submit that information to me before I can do anything more Sincerely, *** Credit1Source

August 3, Revdex.com of San Diego & Imperial Counties Attention: [redacted] Delivered via Email Re: ID [redacted] Dear Ms [redacted] , Step Credit is the trusted leader in credit report repairWe are dedicated to the credit education of our clients and helping them to understand their credit and improve their credit through our credit improvement programStep Credit does and always will operate under the laws Fair Credit Reporting Act and in accordance and compliance with the Credit Repair Organization ActStep Credit provides exemplary service to our clientsWe provide complete and accurate information to all clients and the information is available to our clients at all timesOur billing is in compliance with the Credit Repair Organization Act ([USC 1679b(b)), we perform service before charging our clients for that serviceThe first work fee is charged after all work had been completed on a client’s account, usually within to days of a clients sign up dateThereafter, each month a client chooses to remain a client of Step Credit, monthly work is done and fully completed and performed for the month and the monthly service fee is charged at the end of that periodWhen a client cancels, they may have a balanced due for the work previously performedJust like a utility company, we provide service and payment is due for service after service is completeThis is also in compliance with Federal and State Law(s)Furthermore, Step 1, Credit’s credit service program is cancellable at anytimeUnder Federal Law the credit bureaus have 30-days to investigate and respond to a consumer request In order to maintain our clients privacy, we will not provide information as to a particular clients results, but we will respond to information the client has provided to you on their own As Ms [redacted] states, she has had significant improvement in her credit reports during the months she was a client with us Additionally, we requested that proof of address be sent to Experian so that her results would be sent out accordingly The credit bureaus can ask for information to confirm a consumers information, confirmation of address can be necessary if the information they have does not match the information provided As we relayed to client, the bureau then has 30-days to respond once they receive the requested information The credit bureaus respond directly to the consumer Any and all information is sent directly to Ms [redacted] from Experian, Equifax and Transunion Additionally, we have during many conversations with Ms [redacted] reviewed her account and the status of her progress to her satisfaction During these calls we reviewed reports provided by Ms [redacted] from her monitoring company (Equifax and Transunion) to review the items that had been removed and the additional positive changes in her credit, during the dispute process on Equifax and Transunion, (Experian was still pending due to their request for additional information) Everything we reviewed was information Ms [redacted] provided to Step Credit Ms [redacted] ’s account was cancelled via a telephone at her requestAt that time we did a final account review and went over the fantastic results she received and that her credit is greatly improved Client received exceptional service at all times and results and greatly benefited from the service provided by Step CreditAdditionally, we again reviewed the final balance that was due and payable and would be charged on Ms [redacted] ’s billing date for the services that had been fully renderedIt was acknowledged and understood by Ms [redacted] A cancellation email was sent to Ms [redacted] which confirmed the account cancelled status, which again reiterates that a final payment is due and payable stating in part “Your final payment will be drafted for your scheduled monthly paymentThe fee is for work which was done the previous month and not for work yet to be doneIn compliance with the Credit Repair Organization Act [USC 1679b(b)] we perform service before charging our clients for that service” Once an account is cancelled, it is no longer accessible due to cancellation of service by the client Again, all billing is charged in arrears, so continued access would not be for services already paid for but for those yet to be billedTo suggest services provided as outlined in the service agreement and according to applicable State and Federal law(s), are a scam is unfortunate and not at all accurateMs [redacted] has received service and greatly benefited from the service provided We have worked diligently with Ms [redacted] to answer all of her questions and we feel our multiple conversations and email history has shown this to be accurateHer account is closed As the issue is the balance due on Ms [redacted] ’s account, as she herself notes she has had incredible results from the service, as an offer of goodwill we have waived her balance due and no additional payment is dueOur clients are very important to us and we always make sure they have accurate information about our service and their credit so they and make informed decisions Sincerely, Step Credit

To whom it may concern,Regarding Revdex.com complaint from *** ***:
"">*** was referred to Credit1Source on 9/14/and enrolled in a program for a month period of timeWe were challenging specific item which, as communicated to *** during the free evaluation, was not in any way guaranteed to be removedWe were able to get the item removed successfully with of the bureaus*** paid Credit1Source $total, not $as he claims. *** reached out to me in June, and asked that I help him since he could not get in touch with his client account manager *** who was unfortunately in the hospitalI asked *** to send me an updated credit report and advised that I would review even though we were over 7 months past his program completion date in an attempt to be helpful*** sent me information to access his credit report days later but before I could respond, I was notified that he filed a complaint with the Revdex.comSince this report was filed, I have had no further communication with *** nor would Credit1Source be willing to engage on his behalf.Sincerely,***Credit1Source

Step Credit is the trusted leader in credit report repairWe are dedicated to the credit education of our clients and helping them to understand their credit and improve their credit through our credit improvement program.Step Credit does and always will operate under the laws Fair Credit
Reporting Act and in accordance and compliance with the Credit Repair Organization ActStep Credit provides exemplary service to our clientsWe provide complete and accurate information to all clients and the information is available to our clients at all times.Our billing is in compliance with the Credit Repair Organization Act ([USC 1679b(b)), we perform service before charging our clients for that serviceThe first work fee is charged after all work had been completed on a client’s accountThereafter, each month a client chooses to remain a client of Step Credit, monthly work is done and fully completed and performed for the month and the monthly service fee is charged at the end of that periodWhen a client cancels, they may have a balanced due for the work previously performedJust like a utility company, we provide service and payment is due for service after service is completeThis is also in compliance with Federal and State Law(s)Furthermore, Step 1, Credit’s credit service program is cancellable at anytime This is not a policy on billing the Step Credit created; it is the applicable laws that require billing in arrears. Under Federal Law the credit bureaus have 30-days to investigate and respond to a consumer request Therefore, a client does have pending investigations every 30-days on average, as this client currently does as well Even after cancellation the work we have completed prior to cancellation is in process for the benefit of the client.Step Credit received a request for information and called Ms*** in response to her request Step Credit assists many people improve and repair the mistakes on their credit so that they can achieve their goals of home ownership, car ownership and the benefits of lower interest rates, once they have improved their credit rating through the dispute process as is in compliance with Federal and Sate Laws.Step Credit billing process is the same for every client As outlined above, a client is charged after work is completed and it is an automatic system We do not put billing on “hold” until we receive a call from a client Our services was outlined completely in Ms*** service agreement and was also explained to her and agreed to by her, on a recorded line All of our clients are informed of our business hours in writing as well as when we speak to them via telephone, as was the case with Ms*** Ms*** did call after her payment processed on the date that was agreed upon by Ms*** At that time she demanded a refund or she would file a complaint with the Revdex.com if we did not refund the money that was due on her account and was authorized by her under her agreement Step Credit did provide service to Ms*** completely as agreed upon We spoke to Ms*** two times on August 1, and again on August 3, and explained to her completely what the work was performed, and additionally, that she was outside the day, no obligation cancellation period, as was outlined in her agreement and was explained to her on a recorded line on the date of her enrollment.We have spoken to the Ms*** several times via telephone at every request and answered all questions each time It is unfortunate that Ms*** does not want to pay for services rendered and has filed a complaint when all services were rendered accordingly.Step Credit has provided and delivered the serviceStep Credit is happy to speak to the client at any time if she wishes further information regarding her closed account Thank you,Step Credit

August 10, Revdex.com of San Diego & Imperial Counties Attention: *** *** Delivered via Email Re: ID *** Dear Ms***, In our efforts to come to a reasonable resolution with Ms***, Step Credit offered a goodwill offering to Ms*** of one half of her service fees, which are payments. She was a client for months. As she stated in her complaint she had great results, in multiple responses from the bureaus. We worked on all three-credit reports, Experian, Transunion and Equifax. Please let it be noted, that a client does not pay for a particular result, nor does Step Credit ever promise a particular result. The dispute process is handled legally and if a client does not receive deletions on a credit report, then the bureau has found the information being reported accurate. Ms*** was additionally offered a full and complete update on her accounts, which she refused. She also has contacted us again and refused our additional goodwill offer for a refund of two of her service payments. However, our goodwill offer was not conditional and the refunds were already processed to Ms***’s account. We also waived any balance due on her accountTo suggest services provided as outlined in the service agreement and according to applicable State and Federal law(s), are a scam is unfortunate and not at all accurateMs*** has received service and greatly benefited from the service provided. We have worked diligently with Ms*** to answer all of her questions and we feel our multiple conversations and email history has shown this to be accurate. We have offered a reasonable resolution to her refund requests by way of our goodwill and her request for information regarding her Experian report. She has to date refused the offers, however, we have and will honor our offers of resolution to Ms***All of our clients are very important to us and we always make sure they have accurate information about our service and their credit so they may make informed decisions. We always work diligently to resolve any questions they have and provide education and service to assist them achieving their long-term credit goals Thank you, Step Credit

Revdex.com of San Diego & Imperial Counties Attention: *** ***Delivered via EmailJuly 14, 2017Re: ID ***Dear Revdex.com,Step Credit is the trusted leader in credit report repairWe are dedicated to the credit education of our clients and helping them to understand their credit and improve their
credit through our credit improvement program.Step Credit does and always will operate under the laws Fair Credit Reporting Act and in accordance and compliance with the Credit Repair Organization ActStep Credit provides exemplary service to our clientsWe provide complete and accurate information to all clients and the information is available to our clients at all times.Our billing is in compliance with the Credit Repair Organization Act ([USC 1679b(b)), we perform service before charging our clients for that serviceThe first work fee is charged after all work had been completed on a client’s accountThereafter, each month a client chooses to remain a client of Step Credit, monthly work is done and fully completed and performed for the month and the monthly service fee is charged at the end of that periodMrcontentions are simply not true or correctStep Credit provides superior service that is incomparable to the service most consumers would receive from any other service providerService was provided in full to Mr*** and his client profile reflected that serviceMr*** called Step Credit on November 21, to inquire about serviceHe signed up for service on November 21, As Mr*** relayed to Step Credit that he is very familiar with the credit repair process having worked on his credit before and being in the industry himself.Step Credit has had extensive communication with Mr*** and has provided 24/access to his online client profileThe client has accessed his online profile over times during his time as a clientThe client has also spoken to or been contacted by telephone by Step Credit at least times during his time as a clientThe client has received at least email communications regarding his account during his time as a clientStep Credit has provided exemplary service and support to Mr*** as we do all of our clientsWe have always responded to Mr***’s questions and requests in a timely manner as our communication history demonstratesMr*** was fully supported and Step Credit always worked to answer and resolve any question Mr*** has had at every request.Step Credit never guarantees a particular result or states that a person’s score will be any particular number at anytimeThere are absolutely no guarantees as to a particular result, as is outlined in the client’s service agreementFurthermore, as we explained to Mr*** on multiple calls the bureaus have 30-days to respond to disputes, therefore most clients receive a response from the bureaus in about days on averageAs we explained to Mr***, if the bureaus find the information true, correct and 100% accurate, it will not be deletedMr*** acknowledged in his calls with Step Credit that he did in fact receive results and deletions as a result of our work on his behalfMr*** further stated to Step Credit that he didn’t dispute that there had been deletions on his credit report and that his credit had improved, he just wanted more deletions and he wanted a refundMr*** however, stated in his complaint he had already contacted his bank to dispute the charges for service, therefore a request for a refund is not valid, as the client had already disputed his payment for services fully rendered with his bank.Mr***’s contentions are simply not true or correctStep Credit provides service that is incomparable to the service most consumers would receive from any other service providerStep Credit has performed all work as agreed upon with Mr*** and provided support, communication and exemplary serviceService was provided in full to Mr*** and his client profile reflected that serviceFurthermore, the client was offered a resolution to this matter, which he acceptedStep Credit therefore considers this matter closed. Thank you,Step Credit

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
This is just a typical response Something that they have made up and send out for every complaint They have not done what they said they would do My credit did not get any better and they never responded to my e-mails only called This is so they would have no paper trial I just want my money back Send me all the information you have done and worked on I bet you will find they have not done what they said they were doing I WANT MY MONEY BACK or I will tell everyone what a not so great company you are.
Regards,
*** *** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
On July 26th the lady I spoke with while explaining the service step provides she stated that members can cancel at anytimeWhen I gave her my card I said this is not the card I want to use and she stated that my card will not be charged and after that she transfered me to a woman who was supposed to complete some process I didnt have time and did not complete the second process as they did not call me backWhen I called on August 1,they NEVER SAID ANYTHING ABOUT A DAY CANCELLATION POLICY THEY SAID THEY DID THE WORK AND THAT THEY ARE NOT REFUNDING ME ANYTHINGASK THEM TO TURN OVER ALL OF THE recorded phone calls and you will hear that was never once mentioned They stated they retrieved my equifax report, that is lies I went on and submitted my OWn DISPUTES WHICH SHOWS BECAUSE I received the confirmation number and not them as they state that they have doneThese document that I have sent over one shows that I personally myself submitted my own disputes and retrieved my own credit report and it also shows that they sent me an email because I have NOT sent them my credit reportThey are lying in their response and a review of the phone calls will prove on my end that they are very unprofessional and every time that I call they have my phone number routed to the same guy every timeWhen I block my number and call back and give my information they leave me on hold for minutes to hang upOne day I called private I was on hold for minutes I clicked over on my other line(3-way) and called back and the same lady who was supposed to be transferring me picked up and then placed me on hold again and then after minutes on the phone she hung up both linesThis company is unprofessional, they never sent me anything speaking about cancellation policies but I didnt think I needed it since on the first call I was told that my card would not be charged at all
Regards,
*** ***

Their slick agent got me to sign up, with delusions of getting a lot of the medical issues off my credit report. I actually got sent to them because I was turned down for a mortgage. Absolute worst customer service on the planet. Said they couldn't leave a message on my phone because I have no voice mail...I get voice mails every single day... There are much better services out there that are not predatory.

Whenever you are needing to do Credit Repair, do not have any dealings with Step 1 Credit. They will lie about how they are going to help you, and you have to pay the upfront fees they charge, and then they never do the work, they were paid to do. Get another company to help you. STAY AWAY FROM STEP 1 CREDIT.

Re: ID [redacted]Dear Sir or Madam,Step 1 Credit is the trusted leader in credit report repair. We are dedicated to the credit education of our clients and helping them to understand their credit and improve their credit through our credit improvement program.Step 1 Credit does and always will operate under the Fair Credit Reporting Act and in accordance and compliance with the Credit Repair Organization Act. Step 1 Credit provides exemplary service to our clients. We provide complete and accurate information to all clients and the information is available to our clients at all times.Ms. [redacted]’ initial complaint was that we billed the card she provided on file; but that it wasn’t the card she wanted us to bill.  When Ms. [redacted]’ called on August 1, 2016, that is exactly what she told us, she was upset that the charge was made on the card she provided, as she stated she wanted it on another card.  A client can at anytime change the card number they have on file with Step 1 Credit, however, Ms. [redacted] never contacted us to update her card information.   All clients have five days to cancel without obligation as is outlined in Ms. [redacted]’ service agreement, that she provided her electronic signature for and that was delivered to her on July 26, 2016.  All documents were available behind her account login on our website 24/7, as well as in an email sent to Ms. [redacted] at the time of her enrollment.  A client can cancel at anytime, however if it is after the cancellation period, there may be a balance due.  We bill in arrears, after all work is completed, just as a utility company does.   In response to Ms. [redacted] assertion that she has called and had issues speaking to someone.  Ms. [redacted]’ called on 8.1.16 and spoke to 2 representatives, after requesting a supervisor.  She called again on 8.3.16 and was routed to the supervisor she had spoke to previously.  Step 1 Credit makes every attempt to have our clients speak to the same representative whenever possible.Step 1 Credit provides service to clients prior to billing them; all work is performed before a client is charged. Step 1 Credit provided services as outlined in Ms. [redacted]’ service agreement and billing was in arrears as per the client’s service agreement.  Step 1 Credit always operates in accordance with the Fair Credit Reporting Act and the Credit Repair Organization Act.  Ms. [redacted] has a balanced due and payable to Step 1 Credit at this time.  In an offer of goodwill we will waive any outstanding fees that the client has due at this time.Thank you,Step 1 Credit

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted] , stept1 has lied about helping me,step1 default there contract , they only did tranunion ,equfax. they did not dispute all three credit. I paid for three not two. I made all my payments , I kept my end of the contract,  They only want to refund two payments,when they only work one mo. and than after getting my bus. they drop the ball.they took five mo,s of payments, and the deletion was done in march and april  2015, this is only showing on their site , after five mo,s still the deletion are not on my credit report.yes I was happy in march and april, how long dose it take,if step1 thought I was so happy, and if they did  what they say ,  why are we here,they did not do anything,after I made the first payment on 3/13/15 ,I ask when would they start , I was told as soon as they got my payment. that was the same day, yes I was happy that day, they did nothing since . and when I read their respond , to the credit Revdex.com. They made it sound like they did nothing. shame on them, I think they should refund all my money back.Step1 told  me two payments was a great refund. and I should take it. and they was not going to give it  to me ,until I removed the neg.complaint. I told  them I would take half ,due to them working one dispute. I thought that was fair, they said no and call them and let them know if I want to except their offer, When I read their lrespond ,,,,, I know for sure ,they have wrong me. im a disable woman living on soc.sec. my check not that much.I gave them something that I really didn't have to give. if I didn't get  what I paid for, than give me my money back, im not asking for a hand out. u don't offer someone a refund if u think u have done your work.they are wrong, and they know it. As long as I tell the true, im going to tell the world, so they do not do anyone else like they have done me..Shame on u step1. I  might not be but one person,im one person they lost my bus.

August 3, 2015 Revdex.com of San Diego & Imperial Counties Attention: [redacted] Delivered via Email Re: ID [redacted] Dear Ms. [redacted], Step 1 Credit is the trusted leader in credit report repair. We are dedicated to the credit education of our clients and helping them to understand their credit and...

improve their credit through our credit improvement program. Step 1 Credit does and always will operate under the laws Fair Credit Reporting Act and in accordance and compliance with the Credit Repair Organization Act. Step 1 Credit provides exemplary service to our clients. We provide complete and accurate information to all clients and the information is available to our clients at all times. Our billing is in compliance with the Credit Repair Organization Act ([15 USC 1679b(b)), we perform service before charging our clients for that service. The first work fee is charged after all work had been completed on a client’s account, usually within 6 to 15 days of a clients sign up date. Thereafter, each month a client chooses to remain a client of Step 1 Credit, monthly work is done and fully completed and performed for the month and the monthly service fee is charged at the end of that period. When a client cancels, they may have a balanced due for the work previously performed. Just like a utility company, we provide service and payment is due for service after service is complete. This is also in compliance with Federal and State Law(s). Furthermore, Step 1, Credit’s credit service program is cancellable at anytime. Under Federal Law the credit bureaus have 30-45 days to investigate and respond to a consumer request.  In order to maintain our clients privacy, we will not provide information as to a particular clients results, but we will respond to information the client has provided to you on their own.  As Ms. [redacted] states, she has had significant improvement in her credit reports during the 4 months she was a client with us.    Additionally, we requested that proof of address be sent to Experian so that her results would be sent out accordingly.  The credit bureaus can ask for information to confirm a consumers information, confirmation of address can be necessary if the information they have does not match the information provided.  As we relayed to client, the bureau then has 30-45 days to respond once they receive the requested information.  The credit bureaus respond directly to the consumer.   Any and all information is sent directly to Ms. [redacted] from Experian, Equifax and Transunion.   Additionally, we have during many conversations with Ms. [redacted] reviewed her account and the status of her progress to her satisfaction.  During these calls we reviewed reports provided by Ms. [redacted] from her monitoring company (Equifax and Transunion) to review the items that had been removed and the additional positive changes in her credit, during the dispute process on Equifax and Transunion, (Experian was still pending due to their request for additional information).   Everything we reviewed was information Ms. [redacted] provided to Step 1 Credit.  Ms. [redacted]’s account was cancelled via a telephone at her request. At that time we did a final account review and went over the fantastic results she received and that her credit is greatly improved.  Client received exceptional service at all times and results and greatly benefited from the service provided by Step 1 Credit. Additionally, we again reviewed the final balance that was due and payable and would be charged on Ms. [redacted]’s normal billing date for the services that had been fully rendered. It was acknowledged and understood by Ms. [redacted].  A cancellation email was sent to Ms. [redacted] which confirmed the account cancelled status, which again reiterates that a final payment is due and payable stating in part “Your final payment will be drafted for your scheduled monthly payment. The fee is for work which was done the previous month and not for work yet to be done. In compliance with the Credit Repair Organization Act [15 USC 1679b(b)] we perform service before charging our clients for that service”.  Once an account is cancelled, it is no longer accessible due to cancellation of service by the client.  Again, all billing is charged in arrears, so continued access would not be for services already paid for but for those yet to be billed. To suggest services provided as outlined in the service agreement and according to applicable State and Federal law(s), are a scam is unfortunate and not at all accurate. Ms. [redacted] has received service and greatly benefited from the service provided.  We have worked diligently with Ms. [redacted] to answer all of her questions and we feel our multiple conversations and email history has shown this to be accurate. Her account is closed.  As the issue is the balance due on Ms. [redacted]’s account, as she herself notes she has had incredible results from the service, as an offer of goodwill we have waived her balance due and no additional payment is due. Our clients are very important to us and we always make sure they have accurate information about our service and their credit so they and make informed decisions.  Sincerely, Step 1 Credit

Revdex.com of San Diego & Imperial Counties Attention: Delivered via EmailRe: ID [redacted]Dear Ms. [redacted],Step 1 Credit is the trusted leader in credit report repair. We are dedicated to the credit education of our clients and helping them to understand their credit and improve their...

credit through our credit improvement program.Step 1 Credit does and always will operate under the laws Fair Credit Reporting Act and in accordance and compliance with the Credit Repair Organization Act. Step 1 Credit provides exemplary service to our clients. We provide complete and accurate information to all clients and the information is available to our clients at all times.Our billing is in compliance with the Credit Repair Organization Act ([15 USC 1679b(b)), we perform service before charging our clients for that service. The first work fee is charged after all work had been completed on a client’s account. Thereafter, each month a client chooses to remain a client of Step 1 Credit, monthly work is done and fully completed and performed for the month and the monthly service fee is charged at the end of that period. When a client cancels, they may have a balanced due for the work previously performed. Just like a utility company, we provide service and payment is due for service after service is complete. This is also in compliance with Federal and State Law(s). Furthermore, Step 1, Credit’s credit service program is cancellable at anytime.  This is not a policy on billing the Step 1 Credit created; it is the applicable laws that require billing in arrears. The client signed up for service on July 23, 2015 and the cancellation was processed on December 1, 2015, pursuant to client request.  Under Federal Law the credit bureaus have 30-45 days to investigate and respond to a consumer request.   Therefore, a client does have pending investigations every 30-45 days on average, as this client currently does as well.  Even after cancellation the work we have completed prior to cancellation is in process for the benefit of the client.  As the client confirmed, the client received results on multiple occasions.  These were the results due at that time.  The bureaus have 30-45 days to investigate and respond.  This timeframe does not include delivery time by the USPS.  The client also changed their mailing address, which can affect the delivery by the USPS. Our communication history demonstrates that our account advisor made every effort to speak to the client and to keep the client informed and to answer every question.  The client spoke to the same advisor on the majority of the telephone calls.  Furthermore, clients have an online profile that displays the information regarding their account.  It includes but is not limited to a breakdown of their account history, and each client receives email communications throughout the month regarding their account.  This is available for review on the client profile at any time.  They also receive email notification when results are due to be received.  This information and more is all available on their client profile for them to view 24/7.  Additionally, we have exceptional customer service.  Any client request for information is responded to via telephone and/or email within 24 hours.   We have spoken to the client frequently via telephone, with more than 11 phone calls and 8 additional attempts to contact the client.  We have responded to every request and kept client fully updated and answered all questions to client satisfaction on each call.  Most importantly, the client had exceptional results!  The client acknowledges receipt of investigation results. The client received a full update as to the improvement to their credit.  Step 1 Credit has provided and delivered the service as is evidenced in the improvement the client has experienced in their credit.  Step 1 Credit is happy to speak to the client at any time if they wish further information regarding their closed account.  Thank you,Step 1 Credit

Revdex.com
4747 Viewridge Ave. #200
San Diego, CA 92123
 
Re:  [redacted]; Complaint ID: [redacted], filed 9.11.14
 
Step 1 Credit is the trusted leader in credit report repair. We are dedicated to the credit education of our clients and helping them to understand...

their credit and improve their credit through our credit improvement program.
Step 1 Credit does and always will operate under the laws Fair Credit Reporting Act and in accordance and compliance with the Credit Repair Organization Act. Step 1 Credit provides exemplary service to our clients. We provide complete and accurate information to all clients and the information is available to our clients at all times.
Step 1 Credit takes threats against our business, ethics and service seriously.  Disparagement to our company will always be addressed accordingly. 
Ms. [redacted] makes allegations that are simply not true and that is unfortunate.  The client was quite willing to allow us to spend significant time and effort on her account as evidenced by the service she received.  Ms. Tippet signed up for service on February 3, 2014 and she cancelled service on August 19, 2014.  During her term of service Ms. [redacted] spoke to Step 1 Credit via telephone 39 times, she received 52 emails and she logged into her account more than 6 times, or on average one time per month.  Every email sent to Step 1 Credit was responded to either by email or more often by telephone as we find this a better way to provide great service.  Additionally, Ms. [redacted] credit is greatly improved.  Credit is based on several factors.  One of which is negative items on a credit reports.  We have greatly improved her credit through the legal dispute process and the subsequent deletion of negative items on her reports using the Fair Credit Reporting Act. If an item on a report is inaccurate, unverifiable or a mistake it can be removed under the Fair Credit Reporting Act.  If an item on your report is accurate and verifiable, it will not be removed. 
 
 
Ms. [redacted] had many deletions on all three major credit bureaus AND her credit scores on all three major bureaus all improved.  Yes, her scores went up on all bureaus; the score on one of her bureaus rose and astounding 99 points. 
Our billing is in compliance with the Credit Repair Organization Act ([15 USC 1679b(b)), we perform service before charging our clients for that service. The first work fee is charged after all work had been completed on a client’s account, usually within 6 to 15 days of a clients sign up date. Thereafter, each month a client chooses to remain a client of Step 1 Credit, monthly work is done and fully completed and performed for the month and the monthly service fee is charged at the end of that period. When a client cancels, they may have a balanced due for the work previously performed. Just like a utility company, we provide service and payment is due for service after service is complete. This is also in compliance with Federal and State Law(s). Furthermore, Step 1, Credit’s credit service program is cancellable at anytime and clients only pay for services that have been fully rendered.
Our clients are very important to us and we always provide exemplary customer service and are available to discuss and assist in all their client needs.  Step 1 Credit provided service that is absolutely incomparable to that which any other company would provide to Ms. [redacted].  We honored each and every reasonable request of Ms. [redacted] and we offered Ms. [redacted] a free month of service as a goodwill gesture.  We believe we have provided Ms. [redacted] with great service and results as described above and consider this matter closed. 
Sincerely,
Step 1 Credit

This letter is in response to the complaint that [redacted] filed against Credit1Source with the Revdex.com. We pride ourselves in doing what is right for the consumer and our business partners without exception and so it saddens me that Mrs. [redacted] is unhappy with our...

company and services. 
I am providing a timeline and direct answers to [redacted] allegations to show that we did in fact do our job, communicate expectations from the beginning, continue to do so throughout the program and that the failure was solely on the client’s end of the transaction. Our process/plan for [redacted], as discussed in depth during the initial evaluation, many times during the program and is outlined in the attached contract/treatment plan requires the following:
Outline of the items clients are expected to do while enrolled in our program and the actual action of [redacted] that caused failures in her process. 
Client must establish 2 new credit cards, spend no more than 30% of the limit during any given month and pay down to $5 when the bill is due. This is a key action in building new/positive credit history.Mrs. [redacted] did not establish either of the 2 new credit cards required. 
Client must pay down the existing credit card below 30% of the limit.Based on the last report, her balance has gone up from the initial evaluation and is sitting at 64.5% of the limit. She reported on 3/25/15, to [redacted], one of the 3 client account managers working on her account, that the balance on this card would be paid down to $5 dollars but in fact, the balance was over $200 when the new credit report was pulled 22 days later. 
Client must not have any new late payments or collections during the course of our program. Client had a total of 4 new collections as well as a new lien report to her credit 2 months into her 6 month program.
Client must mail in credit bureau responses as they are generated by our request for production. We generate a letter to each bureau every month for the first 4 months of our 6 month program for a total of 12 letters. 
We received 3 of the 12 that should have been submitted from Mrs. [redacted]. 
Client must work with their client account managers to negotiate settlements on accounts that were verified as fair and accurate. Mrs. [redacted] never responded when [redacted] called/text/emailed about moving forward with the settlement process. 
When I initially met with [redacted] and her husband, they were both going to enroll and based on our programs, and received a couples discount. [redacted] decided not to enroll because they wanted to concentrate on [redacted]’s credit first. In an effort to help them accomplish their goal, we did not take away the couples discount hoping we would work with [redacted] once [redacted] was successfully through our program. To date, she has paid us $665.50, not over $800 as she stated. 
Our software tracks all phone/text/email correspondence between Credit1Source, our clients, referral partners, credit bureaus, lenders, collection companies and anyone else who we communicate with. After reviewing Mrs. [redacted]’s file from the beginning of her program, there we absolutely no gaps in communication, in fact there was almost double the communication that is standard for clients within our program. The only failure on the side of Credit1Source was a meeting that I missed with Mrs. [redacted] on 6/18 at 5:30, the day before this complaint notice was sent to me, due to a family emergency. I communicated this to [redacted] via text, email and leaving a VM and never received a response about rescheduling. 
I hope this helps provide some clarification and resolution. Please call me if you have any additional questions. 
Sincerely,
[redacted] IVPrincipal
(864) [redacted]@credit1source.com
www.credit1source.com
[redacted] Street
[redacted], SC 29605-2926