ASAP Credit Repair Review – Don’t Sign Up Until You Read This

I’m assuming you are interested in working with ASAP Credit Repair, and you want to find out if they’re legit. Trust is super important, especially when you’re talking about financial matters — Any credit repair service you decide to work with will have access to your most sensitive information.

So, here, I’m going to do a deep dive on ASAP credit repair. By the end, you’ll certainly know whether or not they’re going to be a good fit for what you need and want.

Here’s what’s in store: 

• What is ASAP Credit Repair
  • Company Overview
• The ASAP Credit Repair Offer
  • ASAP Credit Repair Pricing
  • Access Your Credit Report for Free
  • Free Credit Consultation, Evaluation, & Credit Audit
  • “Customized Disputes” & “Effective Methods”
  • Track Your Progress Along the Way
• Frequently Asked Questions
• Conclusion: Is ASAP Really the Last Credit Repair Company You Will Ever Need?

Now, let’s roll… 

What is ASAP Credit Repair

ASAP Credit Repair is a Houston-based credit repair service that offers individuals with undesirable credit an “unconventional” offer to restore their credit. 

In a nutshell, the company provides a four-step service to their clients: 

1. Free credit report access
2. Quick credit checkup (also free)
3. Efficient credit fixes
4. Progress tracking & credit boosting tips

ASAP’s approach aims to simplify and expedite the credit repair process by providing comprehensive services from accessing your credit report to improving your credit score.

Now, the question you should be asking is, ‘can they meet your expectations and send you away with a better credit score?’

I’ll let you decide… 

Company Overview

ASAP Credit Repair, LLC was originally registered as a legal entity in the state of Texas in 2015, by Joseph Mahlow, the company’s current President. However, according to LinkedIn, Mahlow has been with ASAP since 2012 (three years prior), and the brand’s Crunchbase profile lists their founded year as 1998.

To make things even more confusing, the website says the company was established in 2008, but “took the name” in 2013. 

Now, according to the Wayback Machine, asapcreditrepairusa.com has been up and running since 2015, which lines up with the state of Texas’ official records. So, I think it’s safe to assume that the company is about 8 years old (this doesn’t mean that Mahlow didn’t offer credit repair services at some point prior). 

I don’t love the inconsistency about the time in business, as it could be an indicator that the brand is in an attempt to position themselves as more established and trustworthy than they actually are. At one point, ASAP states, “We have been in the industry for over 15 years,” after a trust badge claiming over 20 years in business – I mean, this might be true, but I couldn’t verify it. 

I don’t even want to say this, because I do not intend to imply that I believe in clichés, but Mahlow admittedly started his career as a car salesman. 

With that said, Mahlow’s LinkedIn profile suggests that he was an operator with another credit repair company, Prime National, Inc., from 1998 to 2016. I believe he was affiliated with the company, but there are more red flags that shouldn’t be ignored. 

Now, Prime National was originally incorporated in California in 2010, and the company’s registration was suspended in 2017 (in a way that indicates there could have been tax issues); these puzzle pieces just don’t fit together to create a clear picture of ASAP’s leadership.

And, BBB can’t speak ASAP’s integrity either. 

In a nutshell, I see several warning signs that would make me hesitant to work with ASAP, but the user reviews are mostly decent, they’re still in business, and hundreds of people are interested in the service. 

So, let’s explore exactly what they have to offer and at what cost.    

The ASAP Credit Repair Offer

I introduced you to the four-step approach above. Now, let’s look at everything in more detail, so you can understand what you’re signing up for, if you so choose. 

ASAP Credit Repair Pricing 

The pricing for ASAP Credit Repair is a flat, one-time fee of “an average of $329.” They offer a 100% money-back guarantee, with results expected in 60-90 days and an average success rate of 73%. They also provide a free credit consultation, personal financial advice, and don’t require contracts; you can cancel anytime.

The way this is worded means that you should be given the cost upfront, before you pay for anything, and that your price will vary based on the complexity of your credit report. 

And, at least one client has complained that they got more than they bargained for.   

As for whether it’s worth it, you’ll need to consider your specific credit repair needs and financial situation. The flat fee and money-back guarantee may appeal to those looking for a clear pricing structure and a commitment to results. However, the decision ultimately depends on your individual credit repair goals and budget.

It’s a good idea to compare their services, pricing, and guarantees with other credit repair companies to make an informed choice.

Recommended: Applying for a Mortgage? How to Prepare Your Credit

Access Your Credit Report for Free

ASAP offers to assist you in obtaining your credit report from a popular and detailed reporting site – This allows you to see all the current information on your credit reports from Transunion, Equifax, and Experian.

I can see how it could be helpful to get these reports for free if you don’t know how to obtain them yourself. But, keep in mind that you must share your personal, identifying information to access your credit reports. 

And, in case you don’t already know, you can obtain your own credit reports for free, once per year, at annualcreditreport.com. 

Free Credit Consultation, Evaluation, & Credit Audit

ASAP uses software to evaluate your credit report in minutes, which is meant to identify factors affecting your credit score, areas where you lack credit, and errors or inconsistencies on your report. 

They compile a detailed credit audit in an easy-to-read PDF and provide you with a free consultation with an experienced consultant to answer your questions.

Now, you may get some valuable insights when you hear your consultant out. But, don’t be surprised if this free consultation is a sales pitch. Translation: If you’re on the fence before you get to this stage in the process, be prepared to say no or ask for more time to make a decision. 

I’m not trying to scare you off, but I don’t want you to get duped either…The paid service is what comes next in the process. 

Recommended: How to Remove Late Payments From Your Credit Report

“Customized Disputes” & “Effective Methods”

If you sign up after ASAP makes you an offer, they will create “customized disputes” and use “effective methods” to address issues with the credit bureaus, original creditors, and collection agencies. 

ASAP employs expedited mail, fax, and email for dispute delivery, reducing the chances of errors and ensuring faster results.

Now, if you don’t know what they’re referring to, ‘customized disputes’ is a dispute letter to the credit bureaus. These letters are going to be customized based on inaccuracies on your report – such as misspelled names, debts that aren’t yours, collection agencies that you don’t have a legitimate relationship with, and addresses you never lived at. 

Disputing inaccuracies is always the first step in cleaning up your credit report, and ASAP uses tested methods to help ensure the highest chances of success. 

Recommended: The Truth Behind the “Pay to Delete” Letter

Track Your Progress Along the Way

You receive a customized progress report of your monthly results, making it easy to track your credit repair progress. They also offer credit score enhancement strategies to further improve your credit, helping you become “purchase-ready” for things like a new home, car, or loans.

ASAP says they have the “results” to back-up their claims that they can help you improve your credit score. Unfortunately, I would have preferred to see real customer success stories so that I could show you examples of how they can deliver.

Recommended: How to Improve Your Credit Score Fast: 5 Immediate Actions to Take

Frequently Asked Questions

Conclusion: Is ASAP Really the Last Credit Repair Company You Will Ever Need?   

I hate it when I don’t have a lot of encouraging things to say about an offer, especially when I can tell the leader(s) has put effort into building their businesses. Still, ASAP Credit Repair is not an offer I would sign up for – My goal here is to inform and be honest. 

But, not so fast…there are some upsides to ASAP’s offer: 

• It’s allegedly got a 73% success rate
• Agents are ready and waiting to do the credit repair work for you
• Some clients have been super satisfied with the results 

I don’t think this is a “scam” – I think ASAP Credit Repair is probably a legit company that provides people with a needed service. However, I would have to see more transparency before I could recommend you take advantage of this particular offer. 

So, my final verdict: enter at your own risk. 

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