Let me start by saying that everyone should do their due diligence prior to contacting any "credit repair" company. If the company wants money up front that should be your first red flag. You will learn that there are not that many "pay per delete" credit repair companies because this is not as easy as they will be made out to be. Most of what these companies can do or will attempt to do can be done on your own time. Now for the review of ASAP.
I am going to start from the beginning. This company looked promising, agents were enthusiastic, and they were really confident they could remove over 70% of the issues on my credit report. I fell for the trap and payed them three payments. First one gets you started then two additional to complete (around $500). The price is supposedly based on your particular situation so don't quote this. Let me say they contact you to remind you more than once about payments via phone calls, email and text. This is the most you will hear from them. After they receive payment the communication will drop 95%. They will send you an email to tell you that too. If you try to get ahold of them it takes a couple days for them to get back to you.
Next, they ask you to pull your credit reports. They need to be able to see all three, so you have to either pay for a service or use one of their recommended "Free" sites. Warning these sites are all affiliate links so they get some back end off of these. Also, many of them are extremely difficult to cancel and you have to call some of them to stop the service. They then do an analysis of your credit and give you the final cost. After this is paid the begin your "credit repair"
First round complete.... Not many results ones or twos. They send emails stating this is normal and that their "Second" round is more aggressive and much more effective. Radio Silence for about a month. I received several emails from the credit bureaus stating my accounts were in dispute.
Second round complete, a couple more removed.... Not satisfied, they go for a complimentary round three after I tell them I am not satisfied. They refuse to give my money back or give any refund because they technically were "successful removing a couple of things and that is in the initial contract. They try calling me several times and I am so done with these guys I don't even answer the phone to hear the excuses. On top of that I had a couple of old positive accounts deleted for no reason. I'm not sure if that effects my score but I don't see the reason to delete positive items.
Bottom line
To me it looks like they dispute directly through the credit bureaus website. I asked them this and they denied it, but I am not sure how they can mail disputes directly to them within a couple of days and have the credit bureaus show a bunch of items disputed all at once. I was receiving emails within a couple days of my round starting from the credit bureau and I don't think they were aware of them. I have done my own disputing in the past and it is known that you have to send disputes certified mail so that you can prove that the credit bureau or creditor complied with the FCRA. I thought by hiring this company I could prevent most of the leg work on my own part boy was I wrong.
My score increased the first couple of rounds, but it is now back to where I started. When I confronted them about this they pretty much blamed it on me, including stuff that was there when I started the process that I made them aware of. I told them my expectations and specifically what I wanted disputed and they went commando and disputed the whole report.
This is a honest review and I hope the reader understands that this is. Some of these reviews might have had the results that they were promised however I did not. My advice is to do these things on your own. The information is all over the internet. Do not waste your money on this service when you can just take the time to do it yourself and know what's going on. read more