ASAP Credit Repair offers a customized credit repair solution designed to fit your credit repair needs, with a flat rate of $399 to $699 on average.
- Pros and Cons
- Key Takeaways
No monthly fee
No recent customer complaints
Customized credit repair solution
Good customer reviews with the BBB and Trustpilot
No rating with the BBB
Monthly credit monitoring isn’t offered
Financial management tools aren’t offered
Credit consultation needed to get a pricing quote
- ASAP Credit Repair was founded in 1998, making its time in business relatively long.
- The credit repair services offered by ASAP are customized to your needs.
- The company focuses solely on credit repair, with no add-on solutions.
- ASAP’s customer service team appears to be both responsive and knowledgeable.
- There is no rating for ASAP Credit Repair with the BBB, but also no complaints.
- Customer ratings are mixed but good overall.
- You’ll pay a one-time fixed fee that’s paid upfront for ASAP’s services.
- Year Founded 1998
- Average Cost One-time fee average $399 to $699
- Types of Credit Repair Services Available Full range of credit repair services
- Monthly Monitoring Options Not available
- Official Website https://asapcreditrepairusa.com
- Customer Support 1-713-927-9979
ASAP Credit Repair will customize a credit repair solution precisely to your needs, with a one-time fee of approximately $399 to $699 on average. While this one-time fee is higher than many other credit repair companies we reviewed, the absence of a monthly fee is better than most of the competition. This could end up saving you money in the long-run.
Although ASAP Credit Repair doesn’t have a rating with the Better Business Bureau (BBB), it does have nine reviews of mixed quality from customers on the site. We considered all of these items and more in our review.
Company Overview: Relatively Long Time in Business
ASAP Credit Repair is a privately held credit repair company founded in 1998 and headquartered in Houston, Texas. Based on the founding date, ASAP Credit Repair has a good length of time in business compared to the other credit repair companies we reviewed. When choosing a credit repair company, it’s good to select a company with a long history of business operations.
Available Services: Custom Credit Repair Services
ASAP Credit Repair is different than most of the other credit repair companies we reviewed in that it offers a custom solution for a fixed, one-time upfront fee. For this reason, there isn’t much pricing information available on ASAP’s website. Since this information isn’t readily available, we called the company to learn more. To figure out how much the services from ASAP Credit Repair will cost, you’ll need to enroll for a free credit consultation. Your credit advisor will review your credit reports and put together a custom quote for you. We were told the fixed rate for the company’s credit repair services typically averages about $399 to $699.
Once you’ve signed up for services, ASAP Credit Repair will repair the items you’ve agreed upon in your contract. This takes about 60 to 90 days on average, but it will vary depending on the extent of your credit issues. Depending on your situation, the company may offer you a full money-back guarantee in the event it can’t fix the agreed-upon items. You’ll be told upfront in your contract if a guarantee will be provided. This guarantee structure is good because you’ll know upfront if it’s going to be hard to fix your credit issues (in which case you won’t be given a guarantee) or if the odds of your issues being fixed are reasonable (in which case you will be given a guarantee).
Optional Add-Ons: Focused Solely on Credit Repair
While some credit repair companies offer additional services (e.g., budgeting tools or credit monitoring), ASAP Credit Repair only offers credit repair solutions. If you want other solutions, like credit monitoring, you could choose a different credit repair company or purchase a separate credit monitoring service. Buying a standalone credit monitoring service is likely a better option since you should only need to use a credit repair service until your credit issues are fixed.
Customer Service: Responsive Support
Since ASAP Credit Repair’s website didn’t provide detailed information about the cost of its services, we called the company to learn more. We were met with a responsive team member who seemed friendly and succinctly answered all of our questions. The level of professionalism was good, and we left the call with the information we requested in-hand. Although ASAP Credit Repair doesn’t offer 24/7 support, that’s not unusual for credit repair companies. Its hours of operations aren’t published, but you can reach ASAP Credit Repair by phone, text, or email. You can also fill out an online support form, and someone will get in touch with you.
Reputation: No BBB Rating and Mixed Reviews
Unfortunately, ASAP Credit Repair doesn’t have a rating with the Better Business Bureau. Although the BBB doesn’t provide specific information regarding why there is no rating, our review suggests this might be because the BBB file was only opened in 2018.
Customer Satisfaction: Mixed Ratings, but Good Overall
There aren’t many reviews available for ASAP Credit Repair, but the ones that exist are one exteme or the other. On Trustpilot, as of July 2021, there is one review of five stars out of five and another of one star. On BBB, there have been only nine reviews as of July 2021, and five of those were one star out of a possible five, while the other four were five stars. Like many other credit reviews, some of the negative complaints seem to be related to the company’s money-back guarantee and items that weren’t repaired.
Cost: Customized Pricing
ASAP Credit Repair’s pricing is different from the other credit repair companies we reviewed. This is because you’ll pay an upfront fee for the company’s credit repair service, and that’s it. You won’t be charged a monthly fee, which is very different from much of the competition. We were told the average pricing for ASAP Credit Repair’s services ranges from about $399 to $699. The amount you pay will depend on the extent of the issues you need to have repaired. Plus, discounts may be available for couples, military members, first responders, and more.
Although the fixed rate may seem high, it’s essential to consider how long it will take to repair your credit issues, factoring in any one-time fees and monthly charges when considering other providers. Given that ASAP Credit Repair is earning a fixed rate, the company should have a good incentive to get your items repaired as quickly as possible. This means it’s likely that you could pay less under this pricing structure than if you chose a credit repair company that charges a monthly fee.
It's always important to shop around when making a financial decision to make sure you're getting the best possible deal.
The following table summarizes the costs ASAP Credit Repair charges for its services:
|Plan||One-Time Fee||Monthly Fee|
|Customized||$399 to $699 on average||None|
The Competition: ASAP Credit Repair vs. Lexington Law
Well-known credit repair company Lexington Law is a competitor to ASAP Credit Repair. Although both companies offer credit repair services, the services provided by Lexington Law are determined based on which plan you choose (three plans are available). In contrast, the services you’ll receive from ASAP Credit Repair are customized based on your individual credit repair needs. It’ll be important to carefully consider how much time it’s going to take for your credit items to be repaired. This is because even though the one-time fee charged by ASAP Credit Repair may seem like it’s more than what you’ll pay with Lexington Law, you may pay less over time if you choose to work with ASAP.
The most significant deciding factor for us when considering ASAP Credit Repair versus Lexington Law is the companies’ reputation. Although ASAP does not have a BBB rating, its customer reviews of almost four stars are better than Lexington Law’s BBB customer reviews of just better than two stars. Plus, Lexington Law has a pending government action related to alleged consumer protection violations. That said, we believe ASAP Credit Repair provides a better option than Lexington Law.
It's good to take previous customers' experiences into consideration when deciding on a credit repair company.
|ASAP Credit Repair||Lexington Law|
|Monthly Price||None||$89.85 to $129.95|
|One-Time Fees||$399 to $699 on average||$89.85 to $129.95|
|Number of Plans||Customized||Three|
|BBB Accredited Business||No||No|
|BBB Rating||Not Rated||C|
|BBB Customer Reviews||Better than two stars||Better than two stars|
Decent Fixed-Rate Credit Repair Option
ASAP Credit Repair doesn’t have a rating with the BBB, but nearly half of its customer reviews are a full five stars. The biggest differentiator with this credit repair company is its upfront, fixed-fee pricing. Although the hefty upfront fee of about $399 to $699 on average may seem high, it could end up costing less than the competition since ASAP may be incentivized to get your items repaired quicker since you’re not being charged a monthly fee. That said, based on our methodology, we think ASAP Credit Repair offers a decent option, especially if you don’t mind waiting to learn how much you’ll pay until after you’ve been given a free credit consultation.