Step Credit LLC

We have been in touch with the company everything has now been resolved, could you please cancel this out.Thank you [redacted]

Revdex.com of San Diego & Imperial Counties Attention: Delivered via EmailRe: 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 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 arrearsThe client signed up for service on July 23, and the cancellation was processed on December 1, 2015, pursuant to client request 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 As the client confirmed, the client received results on multiple occasions These were the results due at that time The bureaus have 30-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 USPSOur 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/ Additionally, we have exceptional customer service Any client request for information is responded to via telephone and/or email within hours We have spoken to the client frequently via telephone, with more than phone calls and 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 resultsThe client received a full update as to the improvement to their credit Step Credit has provided and delivered the service as is evidenced in the improvement the client has experienced in their credit Step Credit is happy to speak to the client at any time if they wish further information regarding their closed account Thank you,Step Credit

Revdex.com Viewridge Ave# San Diego, CA Re: [redacted] ; Complaint ID: [redacted] , filed 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 Step 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 MsTippet signed up for service on February 3, and she cancelled service on August 19, During her term of service Ms [redacted] spoke to Step Credit via telephone times, she received emails and she logged into her account more than times, or on average one time per month Every email sent to Step 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 ActIf 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 points 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 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 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 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 Credit