First Credit Services Inc., also known as FCS, is a debt collection agency that frequently brings complaints from customers alleging debt harassment to our legal practice. Learn who they are, possibly why they are calling, and how to put an end to them.
Who Does First Credit Services Collect For?
A collection account is being reported by debt collector First Credit Services on your credit report.
This can sometimes imply that they bought the debt from the initial creditor (i e. a credit card or loan company). This typically means that they purchased this debt for pennies on the dollar, occasionally even a tenth of the original price. In other situations, they might be paid to collect the debt on behalf of another business and not be the original owner of the debt.
They might try to get in touch with you by phone or mail (demanding payment) Worse yet, your credit report now shows a collections account. This lowers your credit score and lessens your chances of being accepted for a loan or other significant financial event.
Does First Credit Services Hurt My Credit Score?
Your credit score may be negatively impacted by any negative mark that is past its statute of limitations. A collections account is no different.
How Do I Remove First Credit Services From My Credit Report?
If there is any inaccurate, fraudulent, or mistaken information on the account that is not (or cannot) corrected in a reasonable amount of time, you may be able to have First Credit Services removed from your credit report. According to a study by the U. S. PIRGs, 79% of credit reports contain mistakes or serious errors. We are experts at pursuing these kinds of accounts on behalf of our customers.
Need Help With First Credit Services?
Get in touch with one of our helpful Credit Specialists to learn how we can assist you.
Is First Credit Services A Debt Collection Agency?
First Credit Services is a debt collection agency. They purchase debt (also known as a “charge-off”) from several creditors who have given up attempting to collect the balance on their own.
Should I Pay For Delete With First Credit Services?
It would seem best to pay First Credit Services and have it removed from your credit report by credit bureaus. Theres one problem. Your credit report status changes from unpaid to paid when you settle an outstanding debt. As a result, your collections remain on file for seven years (starting from the date of the initial delinquency). This means your credit is still affected.
Should I Negotiate A Settlement With First Credit Services?
While paying off debt with First Credit Services could improve your score, it could also lower it. The answer depends on many variables. Additionally, there’s a chance you won’t have to pay anything at all, and if there are any problems, you could be able to have the account closed entirely (and never hear from them again).
Is First Credit Services Legit, Fake Or A Scam?
First Credit Services is a legitimate company. They are not a fake company, or a scam. But, they may spam call and harass you.
Why Does First Credit Services Keep Calling Me?
First Credit Services keeps calling in an effort to get payment for a debt. Ignoring their calls and speaking with a company that can assist you in getting it removed is the best course of action.
Will First Credit Services Try Suing Or Garnishing My Wages?
Its very unlikely that First Credit Services decides to sue. Rarely, it might occur, but it is not typical. Wage and bank garnishments are subject to restrictions or exemptions under state and federal laws. In addition to calling us to discuss your options for getting this collection removed, we highly advise doing so in order to assess the possibility of a lawsuit.
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Does First Credit Services Accept A Goodwill Letter To Remove My Collection/Charge-Off?
In our experience, First Credit Services typically does not accept goodwill letters to remove chargeoffs or collection accounts. Most collection agencies do not.
Who Does First Credit Services Collect For?
First Credit Services gathers debt on behalf of several lenders, or creditors. These are always shifting, and most collection agencies, like First Credit Services, don’t disclose to the public who they purchase from.
What Are My Rights When Dealing With First Credit Services?
Any debt that First Credit Services is attempting to collect from you may be contested. The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) govern First Credit Services. Even though these actions appear extremely difficult, if you know how to use them, they can give you a lot of power.
What Is First Credit Services Phone Number?
You likely want to call Credit Glory, first. The reason? Simple. You might decide not to settle your debt with First Credit Services, particularly if it seems erroneous. Paying it off could hurt your score.
Where Can I Find First Credit Services Login?
It might be wise to log it to First Credit Services.
Nonetheless, we highly advise calling a credit repair business like us first. Examine the reasons why First Credit Services appears on your report and let’s see if we can challenge or even remove them.
Need Help With First Credit Services?
Get in touch with one of our helpful Credit Specialists to learn how we can assist you.
Remove First Credit Services From Your Report, Today!
In certain situations, we advise examining your credit report with a Credit Repair specialist. It takes a lot less time, effort, and stress to allow experts to determine why your score dropped. Give us a call if you’re seeking for a trustworthy business to assist you in removing credit errors.
FAQ
Why are debt collectors calling me when I have no debt?
Debt collectors frequently target people these days for money they do not owe. This can happen for a number of reasons, such as an accounting error made by the first creditor, identity theft, or the creditor mistakenly identifying someone else with the same name.
What happens if you ignore debt collectors?
If you don’t, the debt collector might pursue collection efforts and possibly file a lawsuit against you in order to get payment.
Should I answer debt collector calls?
However, there are some very good reasons to pick up the phone when a debt collector calls: Ignoring calls from debt collectors may temporarily ease the situation, but it won’t solve the issue. Your debt situation might worsen over time and become a more significant problem in the future.
Why is FCR services calling me?
Yes, Fcr Services is a debt collection agency. They purchase debt (also called a “charge-off”) from several creditors who are willing to sell it to them instead of trying to collect the balance themselves. Fcr Services might make an effort to get in touch by phone or mail and request payment.
Read More :
https://www.creditglory.com/collections/first-credit-services
Free Help to Stop First Credit Services FCS Collections Harassment