First Credit Of America - My Perfect Credit ripoff Chicago Illinois

They said my name had been removed from collections and my account had been adjusted to show a zero balance and no derogatory information would be reported to the credit bureaus on me. The AG has closed the file on the case. While I'm satisfied with this, I would have preferred the AG to take a more aggressive approach against My Perfect Credit and 1st Credit of America since both companies engage in illegal practices. My Perfect Credit charges consumers to dispute accurate information in their credit file. Disputing accurate information in a consumer credit file is illegal and constitutes fraud. 1st Credit reps often refuse to give their name and refuse to send written information about an alleged debt and try to entice consumers to pay even after the consumer tells them that they dispute the debt. From this experience, it seems to me that consumer protection agencies don't go far enough to protect consumers from fraudelent companies. Since the complaints on both of these companies on this site have nearly ceased, I'm assuming that everyone has been removed from collections. The NC AG sent a copy of my complaint to the Arizona AG, the postal inspector, and the Federal Trade Commission. And scores of people who posted complaints on this site also indicated that they sent complaints to various federal and state consumer protection agencies; yet both My Perfect Credit and 1st Credit of America are both still apparently thriving since both companies' web sites are still up.

They said my name had been removed from collections and my account had been adjusted to show a zero balance and no derogatory information would be reported to the credit bureaus on me. The AG has closed the file on the case. While I'm satisfied with this, I would have preferred the AG to take a more aggressive approach against My Perfect Credit and 1st Credit of America since both companies engage in illegal practices. My Perfect Credit charges consumers to dispute accurate information in their credit file. Disputing accurate information in a consumer credit file is illegal and constitutes fraud. 1st Credit reps often refuse to give their name and refuse to send written information about an alleged debt and try to entice consumers to pay even after the consumer tells them that they dispute the debt. From this experience, it seems to me that consumer protection agencies don't go far enough to protect consumers from fraudelent companies. Since the complaints on both of these companies on this site have nearly ceased, I'm assuming that everyone has been removed from collections. The NC AG sent a copy of my complaint to the Arizona AG, the postal inspector, and the Federal Trade Commission. And scores of people who posted complaints on this site also indicated that they sent complaints to various federal and state consumer protection agencies; yet both My Perfect Credit and 1st Credit of America are both still apparently thriving since both companies' web sites are still up.

They said my name had been removed from collections and my account had been adjusted to show a zero balance and no derogatory information would be reported to the credit bureaus on me. The AG has closed the file on the case. While I'm satisfied with this, I would have preferred the AG to take a more aggressive approach against My Perfect Credit and 1st Credit of America since both companies engage in illegal practices. My Perfect Credit charges consumers to dispute accurate information in their credit file. Disputing accurate information in a consumer credit file is illegal and constitutes fraud. 1st Credit reps often refuse to give their name and refuse to send written information about an alleged debt and try to entice consumers to pay even after the consumer tells them that they dispute the debt. From this experience, it seems to me that consumer protection agencies don't go far enough to protect consumers from fraudelent companies. Since the complaints on both of these companies on this site have nearly ceased, I'm assuming that everyone has been removed from collections. The NC AG sent a copy of my complaint to the Arizona AG, the postal inspector, and the Federal Trade Commission. And scores of people who posted complaints on this site also indicated that they sent complaints to various federal and state consumer protection agencies; yet both My Perfect Credit and 1st Credit of America are both still apparently thriving since both companies' web sites are still up.

They said my name had been removed from collections and my account had been adjusted to show a zero balance and no derogatory information would be reported to the credit bureaus on me. The AG has closed the file on the case. While I'm satisfied with this, I would have preferred the AG to take a more aggressive approach against My Perfect Credit and 1st Credit of America since both companies engage in illegal practices. My Perfect Credit charges consumers to dispute accurate information in their credit file. Disputing accurate information in a consumer credit file is illegal and constitutes fraud. 1st Credit reps often refuse to give their name and refuse to send written information about an alleged debt and try to entice consumers to pay even after the consumer tells them that they dispute the debt. From this experience, it seems to me that consumer protection agencies don't go far enough to protect consumers from fraudelent companies. Since the complaints on both of these companies on this site have nearly ceased, I'm assuming that everyone has been removed from collections. The NC AG sent a copy of my complaint to the Arizona AG, the postal inspector, and the Federal Trade Commission. And scores of people who posted complaints on this site also indicated that they sent complaints to various federal and state consumer protection agencies; yet both My Perfect Credit and 1st Credit of America are both still apparently thriving since both companies' web sites are still up.

Yesterday, I attempted to contact First Credit by filling out the complaint form on their web site www.1stcofa.com, but after sending, it bounced back to me, and my email server indicated it was undeliverable. I wonder if they even have a legitimate office or if they operate out of someone's kitchen.