Category 1: Credit Basics
What is FICO®?
The most common credit-scoring system used by U.S. lenders and banks, with models like 2, 3, 4, 5, 8, and 9.
What is credit repair?
This is the process of disputing and removing inaccurate items to improve your credit score.
What is ASAP Credit Repair?
ASAP Credit Repair is a credit repair company based in Houston, Texas, with over 12 years of experience.
What are errors?
One in three credit reports contains these.
What is 281-545-5001?
Main Location - Houston office Number
What is Annual Credit Report?
The site where you can legally get a free credit report once a year.
Can I repair my credit on my own?
Yes—it’s your legal right, and you can even do it yourself with research and the right letters.
Who Is Rahul?
Developer that helps us with releasing new automation projects.
What is identity theft?
This common cause of bad credit can also be resolved by ASAP.
What is a results report and updated credit profile?
A detailed document you receive after each repair round.
What is an interest rate?
This term describes the percentage you pay in addition to a loan’s principal amount.
What is 2 weeks to 2 months?
The typical timeframe for ASAP to complete credit repair.
What is 73%?
The average percentage of successful deletions ASAP achieves.
What are debts over $500 unpaid for a year?
As of upcoming rule changes, only these types of medical debts will appear on your credit report.
What are 12 years?
The number of years ASAP has been in the credit repair industry.
What is Identity IQ?
The ASAP-recommended alternative to Annual Credit Report for easier access to credit scores.
What is improper credit repair?
The reason deleted items can reappear on your credit if the process is done incorrectly.
What is a service guarantee?
Yes—they promise this or you get your money back.
What are student loans?
Yes—especially if you default, though they can help build your score if paid on time.
Who is the longest termed employee?
Cindy
What is 620?
The average credit score threshold where “bad credit” begins.
What are U.S. credit laws?
These laws protect you when reviewing and disputing accounts, including the CROA, FCRA, FDCPA, and TLA.
What is “only charging for items we dispute”?
The way ASAP charges clients, instead of charging a flat monthly fee.
What is “stop paying bills”?
You should never do this, as it will damage your credit more than any dispute.
What is the reason ASAP Credit Repair has successfully served clients for more than 15 years?
It’s difficult to last in the credit repair industry without reliable results and incredible customer service, and we’ve been doing it for over 15 years.