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ASAP Credit Repair

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LAST UPDATED: April 14th, 2024

Founded in 1998, ASAP Credit Repair is a family-owned business that provides credit repair services in Houston. The firm evaluates reports, corrects errors, and helps customers raise credit scores. Its staff helps manage credit disputes and remove items from credit history such as late payments, collections, foreclosure, repossessions, bankruptcies, credit fraud, and judgments.

The firm has an in-house credit monitoring service to help customers monitor credit errors. ASAP Credit Repair also provides a credit class via its social media accounts. 

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The Good

  • Free Credit Consultation
  • 3-Step Credit Restoration Program

Free Credit Consultation

Many companies in the credit repair industry offer a free credit consultation, and ASAP Credit Repair is no exception. The company offers a free consultation and analysis to all potential clients. Booking for this service can be done online or you can call the company directly.   will help ASAP Credit Repair determine what client’s credit goals are and if it can help with what the customer needs. This evaluation will help the customer understand the expectations on time and cost based on what plan of action is chosen to go forward with.  

3-Step Credit Restoration Program

ASAP Repair's website outlines a three-step credit restoration program: evaluate, correct errors, and quick results. This seems to be a very simplified description of the credit repair process, but this is all the company has chosen to disclose on its website.


The Bad

  • Invalid Positive Reviews 
  • Scam Indicators
  • Weak Money-Back Guarantee 
  • Undisclosed Pricing Information

Invalid Positive Reviews 

Most reviews for the company on multiple platforms are not actual reviews. Entries seem to be solicitation and advertisement of investment opportunities and do not have anything to do with ASAP Credit Repair. 

Scam Indicators

This company has multiple phone numbers, whatsapp numbers, worldwide location pings, claims of education resources with links that do not work, and vague information on its website. These are all red flags that this company may be a scam. Although it looks to have a physical address, many reviews claim this company is not what it claims to be and took money from customers without giving credit repair results.

Weak Money-Back Guarantee 

This company claims credit repair results or customers can get their money back. A few reviewers explain they did not qualify for this option because they had gone through the entire program. The money-back warranty seems to have loopholes to protect the company from having to reimburse unsatisfied customers. 

Undisclosed Pricing Information

There is no specific pricing information on the company's website. To not give specific rates online is common in the credit repair industry, but customers would appreciate knowing if ASAP Credit Repair charges using a pay-for-delete structure or collects through a monthly subscription fee. 


The Bottom Line

If you need professional assistance to repair your credit, we would not recommend ASAP Credit. Despite being in business for more than 20 years, very few actual reviews contain real content from actual customers.

Although this company is based in Houston, some of its employees are being sourced from Pakistan. There are too many unanswered questions for us to put our stamp of approval on this company. To anyone trying to turn over a new leaf looking to repair finances, we encourage you to find a company with lots of good reviews that show positive customer experiences with the company. 

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My wife and I used them to help us purchase our first home. They came highly recommended by our mortgage company.

1 week ago