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.
Bethel Park, PA 15102
Open Office Hours
M-F: 8am – 6pm
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Call: (412) 714-6935
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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,
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.