Contact 1st Step

“First Step” is more than our name; it’s our promise. From the moment you contact us, we work hard to make sure that we really are your first step to better credit and a better life.

Contact Info

Our Office

2830 South Park Road
Bethel Park, PA 15102

Open Office Hours

M-F: 8am – 6pm
S-S:  Closed


Get in Touch
(412) 714-6935

Call: (412) 714-6935

Our Credit Experts Are Waiting to Help You

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How long will it take to repair my credit?

In only 35-45 days, you should receive your initial results from the credit bureaus. That may be all it takes to repair your credit.

However, the credit bureaus’ automated system for handling disputes, called eOSCAR, is notorious for returning inaccurate results. In that case, we will continue to dispute your potential inaccuracies with increasingly strong language and tactics.

Each round of disputes takes 30-45 days to complete. Our customers typically graduate our credit repair and restoration services in six months or less.

What kind of items can you get removed from my credit reports?

Every type of credit account and item of personal information must be completely accurate according to the Fair Credit Reporting Act.

Whether it’s your personal data, payment histories, chargeoffs or collections, public records, etc, if there is any detail that is outdated, incomplete, or potentially inaccurate, we will dispute it for you.

If the credit bureaus are not willing or able to provide documentation that verifies their total accuracy, we will fight to get the unverified items removed from your credit reports.

What if my negative items are actually accurate?

The majority of negative accounts we dispute for our clients turn out to be unverifiable. But even if the credit bureaus provide verification of your data, that doesn’t necessarily mean there is nothing more we can do.

For example, collection agencies are known to play fast and loose with the rules. While the credit bureaus may be reporting a collection accurately, the collection agency may have violated the Fair Debt Collection Practices Act in the process of trying to collect from you.

We can help you get unlawful accounts removed from your credit reports, whether or not their data was reported accurately. And that’s only one example of the services we provide that go beyond writing dispute letters.

1st Step Financial Solutions

Financial FreedomOur Proven Process In Your Hands

Have you been turned down for a mortgage or loan? Are you being harassed by collection calls and letters? Would you like lower interest rates, utility bills, and insurance payments?

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