Has anyone ever used Fast Debt Solutions in Carr. Texas?

Question

Has anyone ever used Fast Debt Solutions in Carr. Texas?

Answer 1

I have not heard of anything bad about them but here are some quidlines for you to follow before you enter into any agreement with them.

If you decide to respond to a credit repair offer, look for these tell-tale signs of a scam:

companies that want you to pay for credit repair services before they provide any services.

companies that do not tell you your legal rights and what you can do for yourself for free.

companies that recommend that you not contact a credit reporting company directly.

companies that suggest that you try to invent a “new” credit identity — and then, a new credit report — by applying for an Employer Identification Number to use instead of your Social Security number.

companies that advise you to dispute all information in your credit report or take any action that seems illegal, like creating a new credit identity. If you follow illegal advice and commit fraud, you may be subject to prosecution.

No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act (FCRA):

By law, credit repair organizations must give you a copy of the “Consumer Credit File Rights Under State and Federal Law” before you sign a contract. They also must give you a written contract that spells out your rights and obligations. Read these documents before you sign anything. The law contains specific protections for you. For example, a credit repair company cannot:

make false claims about their services

charge you until they have completed the promised services

perform any services until they have your signature on a written contract and have completed a three-day waiting period. During this time, you can cancel the contract without paying any fees

Your contract must specify:

the payment terms for services, including their total cost

a detailed description of the services to be performed

how long it will take to achieve the results

any guarantees they offer

the company’s name and business address

Hope this answers your question

Answer 2

Don't fall for any of the things they advertise to help fix your credit.  The only things that can help get you out of debt are bankruptcy and paying it off yourself either way both remain on your credit report for some time.