Tools & Resources

We’ve highlighted some government-sponsored websites that provide consumer and commercial resources.

Consumer Financial Protection Bureau (CFPB)

Consumer Financial Protection Bureau (CFPB)

The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives.
Visit CFPB
Small Business Administration

Small Business Administration

The U.S. Small Business Administration (SBA) was created in 1953 as an independent agency of the federal government to aid, counsel, assist and protect the interests of small business concerns, to preserve free competitive enterprise and to maintain and strengthen the overall economy of our nation. We recognize that small business is critical to our economic recovery and strength, to building America’s future, and to helping the United States compete in today’s global marketplace. Although SBA has grown and evolved in the years since it was established in 1953, the bottom line mission remains the same. The SBA helps Americans start, build and grow businesses. Through an extensive network of field offices and partnerships with public and private organizations, SBA delivers its services to people throughout the United States, Puerto Rico, the U. S. Virgin Islands and Guam.
Visit SBA
MyMoney.gov

MyMoney.gov

This website is a product of the Congressionally chartered Federal Financial Literacy and Education Commission, which is made up of more than 20 Federal entities that are coordinating and collaborating to strengthen financial capability and increase access to financial services for all Americans. The Commission was established by the Financial Literacy and Education Improvement Act, Title V of the Fair and Accurate Credit Transactions Act of 2003 (P.L. 108-159).
Visit MyMoney.gov

Identity Theft

If you are ever threatened by a caller that has your personal information, you may want to take steps to help you detect and defend against identity theft. The Federal Trade Commission has a complete online guide to identifying and dealing with identity theft.
Consumer Information
FTC Complaint Assistant

Fraud Alert

Don’t be a victim. Do not give private and confidential information to an unknown party. Our representatives will not release any information to anyone before first confirming your identity and our representatives will have verifiable information regarding your account. If you receive a call where the call purports to represent First Step Group and the caller threatens jail, physical harm, or acts in an illegal or suspicious manner, please report the conduct to us at 1-855-441-5988.
Collectors MAY NOT:

  • Threaten arrest, jail or physical harm
  • Threaten to seize your assets or garnish your wages without due process
  • Threaten actions against a family member or associated third party
  • Continue to call if you are represented by an attorney or you noticed them with a cease

The list of activities prohibited by the FDCPA is not limited to those outlined above. Read the complete text of the FDCPA.

Fair Debt Collection Practices Act

Credit Reporting - myFICO

For information on credit scoring and reporting, visit myFICO.
myFICO

Credit Reporting - Federal Trade Commission

Get detailed information on the Fair Credit Reporting Act from the Federal Trade Commission.
Fair Credit Reporting Act

Credit Reporting - Annual Credit Report

Sign up for a free Annual Credit Report
AnnualCreditReport.com

Equifax

Credit Reporting Agency – For information please call 1-800-685-1111 or click the link below
Equifax

Experian

Credit Reporting Agency – For information please call 1-888-397-3742 or click the link below.
Experian

TransUnion

Credit Reporting Agency – For information please call 1-800-916-8800 or click the link below.

First Step Group cannot make any statements relative to how your credit score may be affected by the payment or non-payment of any account. If you have questions relative to credit reporting we suggest you contact the Credit Reporting Agencies. We will accurately report any account activity to our client, including the payment in full or settlement in full.

TransUnion

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