Authorization and Credit Check:
By using the services provided on FreshwayDebtSolutions.com, you expressly authorize Freshway Debt Solutions and its trusted partners to perform a credit check. This check may include verifying your social security number, driver's license number, or other identification, as well as assessing your creditworthiness. Please be aware that credit checks are typically conducted through major credit bureaus such as Experian, Equifax, and TransUnion. However, in certain cases, alternative credit bureaus like Teletrack, DP Bureau, or others may also be involved. Additionally, your information and credit history may be shared with a network of approved financial partners.
Debt Solution Disclaimer:
FreshwayDebtSolutions.com is not a lender or lending partner and does not make loan or credit decisions. We act as a facilitator, connecting interested individuals with financial institutions and partners from our network. Freshway Debt Solutions assumes no responsibility for the actions or inactions of any financial institution or partner. We do not act as an agent, representative, or broker for any financial institution or partner. Moreover, Freshway Debt Solutions does not endorse any specific financial partner. Please note that Freshway Debt Solutions receives compensation from their financial partners, typically through a ping-tree model where the highest bidder is connected with the consumer. However, it is important to understand that our services are always provided to you free of charge.
Tribal Lender Disclosure:
In some cases, you may have the option to obtain a financial service from a tribal partner. Tribal partners operate under tribal and certain federal laws, which may exempt them from state law, including usury caps. It is important to note that rates and fees offered by tribal partners may be higher compared to state-licensed financial institutions. Additionally, tribal financial partners may require you to agree to resolve any disputes in a tribal jurisdiction. We strongly encourage you to carefully review and comprehend the terms of any financial solution offer provided by both tribal and state-licensed financial institutions. You should decline any financial solution offer that you cannot afford to repay or that includes unfavorable terms.
State Availability:
Please be aware that FreshwayDebtSolutions.com may not offer its services in all states. If you request to connect with a financial partner in a state where such financial solutions are prohibited, or if we do not have an available financial solution partner in your location, we will be unable to facilitate a connection. It is essential that you review and understand the terms of any loan offer provided by financial solution partners, and decline any offer that does not align with your financial circumstances.
Lender's or Financial Solutions Partner's Disclosure of Terms:
Once connected with lenders or a financial solutions partner, they will provide you with finalcial solution documents that encompass all pertinent information, including fees, interest rates, and potential charges for late payments. These terms are determined solely by the lender or financial solutions partner based on their internal policies, underwriting criteria, and applicable law. Freshway Debt Solutions has no control over the specific terms of the financial solution offered by lenders or financial solution partners. It is imperative that you thoroughly read and comprehend the terms of any loan offer, and decline any offer that is beyond your means to repay or includes unfavorable conditions.
Impact of Late Payments on Credit Score:
We would like to draw your attention to the fact that missing a payment or making a late payment can have a detrimental effect on your credit score. To safeguard your credit history, it is crucial that you only accept loan and/or financial solution terms that you can manage and repay in a timely manner. If you foresee any difficulty in making a payment on time, we strongly recommend contacting your lenders or financial solutions partners immediately to discuss appropriate arrangements for handling late payments.
Consumer's Right to Obtain a Copy of Their Credit Report:
Under the Fair Credit Reporting Act (FCRA), you have the right to request a free copy of your credit report from each of the major credit reporting agencies once every 12 months. To obtain your free credit reports, you can contact the credit reporting agencies directly.
Consumer's Right to Dispute Inaccurate Information:
If you believe that any information on your credit report is inaccurate or incomplete, you have the right to dispute it. Under the FCRA, you can initiate a dispute by contacting the credit reporting agencies directly. They are required to investigate your dispute and correct any inaccuracies or incomplete information as necessary.
Disclosure of the Source of Credit Information:
Please be aware that our lending partners may obtain your credit information from one or more credit reporting agencies or other third-party sources. This information will be used solely for the purpose of evaluating your loan and/or financial solution request or creditworthiness.
Disclosure of Credit Score Information:
In certain instances, our lending partners may use credit scores as part of the credit decision-making process. If a credit score is utilized, you have the right to receive information about the credit score used in the decision. This includes the numerical score itself, the key factors that influenced the score, and the range of possible scores.
If you wish to review our complete privacy policy, please click here.