First, I want to call attention to the transcribed verification recording below. This is very important, and will shed light on how legally tight First National Credit is trying to make themselves. It would seem they've come under file through other ventures. This is actually a d**n good verification process. I mean, if you have not had bad credit for the last six months they can virtually guarantee you a credit card. And they do tell you that you will NOT receive on in the package. They do tell you that you are just getting the opportunity to APPLY for credit.That you are not getting five hundred credited to your account, you are applying for 500 cash advance. In addition, they are working better with their affiliates now, making them part of the verification process. For more info, please email me at email@example.com . Thanks.
This is the company known as Prime One. First National Credit. You can find a load of ripoff reports here under that heading. You can also find reports on the better business bureau, though no information has been recorded yet regarding Clear Choice. The agent slipped up when talking to me by accidentally telling me the company was called First National Credit. And so the cycle begins again. I asked her about the price increase. Previously it had been 189.00 to 199.00 for the package. Now it is 239.95. She explained that this time there is no annual fee, no monthly fee. She eventually gave me to her supervisor. Her supervisor had no idea what I'd been saying, so I played just..dumb curious gullible guy. Asked lots of questions and wrote the answers down.
At the end of the call I was asked if I had a computer, for no reason. It was weird.
Prime One still has their website up. PrimeOne Benefits.com .
Please enter the four digit program ID
Operator, please enter the debit date
Hello, this is Clear choice credit solutions automated verification system. This system is going to record your information so please speak clearly and take your time. Your operator is on the line and will be able to assist you. Now to prevent any clerical errors and to ensure the quality of our services, we are on a recorded line.
*operator* This is Pamela Jones, Im a verification officer with clear choice credit solutions and I will be recording this call for your protection.ok
*verifies name, bank name, bank location, debit card/checking acct number, expiration date, your address, last four digits of social security number, home telephone number*
Your package will be mailed out within 14 business days after your debit date. Once you receive your materials, you will have 3 business days to cancel, after that period all sales are final. Included in the package will be the credit application for up a 5000 dollar line of credit, along with a list of banks that offer the lowest interest rates and other credit card programs. Simply choose the banks that best suit your needs, and call them to apply for your card. Be sure to follow the enclosed instructions. The fee for providing the credit package is 239.95 and it will appear on your next bank statement as clear choice credit solutions incorporated. In the event the funds are not available on the date you indicated, there will be a dishonored item fee. We do have your final authorization to apply the fee on *debit date*. correct?
You do understand that you will have three days after receiving package to cancel, correct?
You do understand that Clear Choice credit solutions is not affiliated nor contracted through your bank, correct?
You do understand that No credit card will be included in the package, correct?
You have not had any derogatory credit in the past six months, is that correct?
Were you promised anything other than what I just stated?
You will receive your application for a five hundred dollar cash advance in your package, and after your application has been approved your five hundred dollars will be transferred into your checking account within 72 hours. You do understand will not receive the five hundred dollars until you have been approved, correct?
As a special bonus, along with your package you will be receiving a 14 day free trial to our guide to credit excellence. In this guide you will find three typed letters that you can send to different credit bureaus which will help you remove old marks that exist on your credit report. Also this guide will help you to get a better understanding of where your credit is and what you can do to fix it. After looking over your package for 14 days, if you do not call and cancel you will be billed a one time fee of 49.95. Ok?
Also, as a special bonus, we will be including a uniforce calling card. this card included 1000 U.S. minutes with great rates for international calling. simplify all of your long distance bills with one simple card for a low cost of 39.95 per month. Your uniforce calling card will be sent out 3-5 business days from the day your account is drafted. If you do not wish to receive this service, please call customer service within 14 days of your processing date. You do agree to the terms and conditions I've just described, correct?
If you have any questions, or need assistance, please call 1-866-463-3421. please enjoy your savings and guaranteed credit, your verification id number is ________ goodbye.
U.S.A. Click here to read other Rip Off Reports on Prime One