• Report: #67289

Complaint Review: Clear Credit Solutions

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  • Submitted: Sun, September 21, 2003
  • Updated: Tue, September 23, 2003

  • Reported By:Oakland California
Clear Credit Solutions
P.o Box 365 St George, Utah U.S.A.

Clear Credit Solutions ripoff promised credit card, unsecured. have been denied credit St George Utah

*Consumer Comment: These boys have lost their funding, and left town.

*Consumer Comment: These boys have lost their funding, and left town.

*Consumer Comment: These boys have lost their funding, and left town.

*Consumer Comment: These boys have lost their funding, and left town.

*Consumer Suggestion: The credit industry wants to keep consumers in the dark as to how it all works so lenders can increase their profits.

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Recently I applied for unsecured credit card with clear choice solutions. Hoping to restablish credit, I thought this would be a good deal. At the time I had a checking acct, but had to close it. 269.58 was taking out of my savings account, I didn't even have a checking acct. Is this legal?

Gena
Oakland, California
U.S.A.

This report was posted on Ripoff Report on 09/21/2003 03:43 AM and is a permanent record located here: http://www.ripoffreport.com/r/Clear-Credit-Solutions/St-George-Utah-84771-0365/Clear-Credit-Solutions-ripoff-promised-credit-card-unsecured-have-been-denied-credit-St-67289. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Consumer Comment

These boys have lost their funding, and left town.

AUTHOR: Donna - (U.S.A.)

They are now in Salt Lake City, doing what? I do not know.

Joel Best, from Assail, after the raid in January, opened shop in a hole in the wall in St George, and was selling Clear Choice Credit as well from Desert Marketing, St George. He has since had all HIS assets frozen, and banned from telemarketing! Once they figured out that he was Kyle Kimoto's sidekick at Assail. He is also been added to the class action in Florida.

However, the FRADULENT business they WERE running is going to catch up with them. (Clear Choice Credit) IT IS ILLEGAL TO COLLECT FEES FROM YOUR ACCOUNT FOR A CREDIT CARD OR LOAN!

IF ANY fees are associated, it will be deducted from the line of credit on your card, or your loan. PERIOD!

Clear CHoice offered the same as the other scams, a "booklet" on how to re-establish credit....THAT IS ALL! Two to Three hundred dollars for this? What a racket!
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#2 Consumer Comment

These boys have lost their funding, and left town.

AUTHOR: Donna - (U.S.A.)

They are now in Salt Lake City, doing what? I do not know.

Joel Best, from Assail, after the raid in January, opened shop in a hole in the wall in St George, and was selling Clear Choice Credit as well from Desert Marketing, St George. He has since had all HIS assets frozen, and banned from telemarketing! Once they figured out that he was Kyle Kimoto's sidekick at Assail. He is also been added to the class action in Florida.

However, the FRADULENT business they WERE running is going to catch up with them. (Clear Choice Credit) IT IS ILLEGAL TO COLLECT FEES FROM YOUR ACCOUNT FOR A CREDIT CARD OR LOAN!

IF ANY fees are associated, it will be deducted from the line of credit on your card, or your loan. PERIOD!

Clear CHoice offered the same as the other scams, a "booklet" on how to re-establish credit....THAT IS ALL! Two to Three hundred dollars for this? What a racket!
Respond to this report!
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#3 Consumer Comment

These boys have lost their funding, and left town.

AUTHOR: Donna - (U.S.A.)

They are now in Salt Lake City, doing what? I do not know.

Joel Best, from Assail, after the raid in January, opened shop in a hole in the wall in St George, and was selling Clear Choice Credit as well from Desert Marketing, St George. He has since had all HIS assets frozen, and banned from telemarketing! Once they figured out that he was Kyle Kimoto's sidekick at Assail. He is also been added to the class action in Florida.

However, the FRADULENT business they WERE running is going to catch up with them. (Clear Choice Credit) IT IS ILLEGAL TO COLLECT FEES FROM YOUR ACCOUNT FOR A CREDIT CARD OR LOAN!

IF ANY fees are associated, it will be deducted from the line of credit on your card, or your loan. PERIOD!

Clear CHoice offered the same as the other scams, a "booklet" on how to re-establish credit....THAT IS ALL! Two to Three hundred dollars for this? What a racket!
Respond to this report!
What's this?

#4 Consumer Comment

These boys have lost their funding, and left town.

AUTHOR: Donna - (U.S.A.)

They are now in Salt Lake City, doing what? I do not know.

Joel Best, from Assail, after the raid in January, opened shop in a hole in the wall in St George, and was selling Clear Choice Credit as well from Desert Marketing, St George. He has since had all HIS assets frozen, and banned from telemarketing! Once they figured out that he was Kyle Kimoto's sidekick at Assail. He is also been added to the class action in Florida.

However, the FRADULENT business they WERE running is going to catch up with them. (Clear Choice Credit) IT IS ILLEGAL TO COLLECT FEES FROM YOUR ACCOUNT FOR A CREDIT CARD OR LOAN!

IF ANY fees are associated, it will be deducted from the line of credit on your card, or your loan. PERIOD!

Clear CHoice offered the same as the other scams, a "booklet" on how to re-establish credit....THAT IS ALL! Two to Three hundred dollars for this? What a racket!
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#5 Consumer Suggestion

The credit industry wants to keep consumers in the dark as to how it all works so lenders can increase their profits.

AUTHOR: The Great Thorn - Rip-off Report Consumer Advocate - (U.S.A.)

Gena I am going to tell you some things about credit that the credit industry does NOT want you to know. The credit industry wants to keep consumers in the dark as to how it all works so lenders can increase their profits.

It sure seems to me that they do not want you to understand how it works so car dealers, mortgage brokers and the banking industry in general has the ability to make some big money off of you in higher rates and big fee's.

Ever notice when going to a local "SHARK POND" known as a car dealer their "F&I Clown" also known as a F&I manager does not want to talk to you about your credit. They do not want you to know the true buying power of it so they and whack car buyers with a higher interest rates. Doing that makes their pay checks much bigger.

One way of increasing your "Fair Isaac Score" is to have a checking account that is linked to a savings account. Set up your checking account so that if you write a check for more then you have in it, the bank will use some of the money in your savings account to cover it.

Next you should set up your checking account so that you have some kind of auto payment system set up. This is to prevent you from making any payments late. We are only human my friend and we do forget to get the "check in the mail".

A derogatory posted on your credit report could lower your "Fair Isaac Score" up to -29 points. That's NOT GOOD!

Next you need to try any way you can to have a good job history. What I mean is to try to keep the same job for as long as you can. Job stability will send your "Fair Isaac Score" UP.

Next we need to hide your SSN from EVERYBODY. The more people that pull a credit report on you for any reason with or without your permission will lower your "Fair Isaac Score," That's NOT good.

Next we need to see to it that you show the credit industry that you are not one that moves a lot. Bouncing from address to address shows the credit industry that you have no stability as far as where they can find you if they lend you money. That's not good. Having the same address for a longer period of time will increase your "Fair Isaac Score"

Next we need to show the credit industry that you have job stability. This is a VERY GOOD way to increase your "Fair Isaac Score"

Gena you notice that I mention "Fair Isaac Score" so many times? I did, because it is the most used in the banking industry. It is easier to read, provides a percentage on your "Revolving Available" It is just better then the others.

Most in the banking industry will not agree because "they" do not want you to know what they look for when they want to set an interest rate when you want a loan. The less you know, the more money they make.

"Your Pain, is their GAIN"
I say "MY GAIN will be their PAIN"!

Through my research I have found that the "Fair Isaac Score" goes from 350 to 850. You should always try to keep your "Fair Isaac Score" above 650 and NEVER go lower than that if you can help it.

Soon you will have access to all that I have learned about the credit industry.

Car dealers, mortgage brokers make more money if you do not know the buying power of your credit.

We must not forget about these so-called credit card companies that say "Hey give us $279 and we will give you a credit card so you can rebuild your credit. What they are really saying is the following.

"Hey We know that you have had some trouble with your credit and we are going take advantage of you by selling you a "PLASTIC CARD" we also are going to send you a catalog so you can shop only from us and buy our over priced "FLEA MARKET JUNK" and we are NOT going to put any good marks on your credit report because we DO NOT want to pay the cost of putting the good marks on your credit report.

We just want to make you THINK we are going to help you build a better credit report so we can pump money from your checking account after you buy our over priced "FLEA MARKET JUNK!"

Gena I don't know if it is legal for them to take money out of your account. But they will if you give them your account info. You have to remember companies like these hire people that can't get a regular job most likely because they are druggies or DROP OUT's

Gena I hope my info has helped you in some way.
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