- Report: #151725
Report - Rebuttal - Arbitrate
Complaint Review: First Credit America, My Perfect Credit, Clear Credit
First Credit America, My Perfect Credit, Clear Credit300 North Elizabeth, Suite 220 B Chicago, Illinois U.S.A.
First Credit America, My Perfect Credit, Clear Credit SCAM, Illegal, Unwilling to follow the law, Chicago Illinois
*Author of original report: Fight Fire with Fire
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I told the lady at FCOA that I needed proof of this bill. She told me their policy was for me to pay first and then send the proof of the bill. I told her under the Fair Credit Act that they are required to provide me with written proof of this bill and that until I am notified in writing of this bill I am not under any obligation to pay it; which is the law. I told her if she would kindly send me a copy of the bill and the supporting document that show I owe this, I would gladly pay it. She told me that is not how they operate and that if I did not pay it, they would report me to the credit bureaus. I told her that if she felt like doing to do so and I would protest it to the credit bureaus and then she would have to provide the same information to them and still have to provide it too me. It was obvious that she did not know the law and was just trying to threaten/scare me into paying.
She had my address and said she would send me the information. Based on what I have seen on here, I will probably never see it. But I will be keeping an eye on my bureaus.
If you get this call, demand that they provide you with WRITTEN PROOF that is the law and you do not have to pay a dime even if you owe the money until they provide you with this proof. If they just send you a bill, you then have 30 days from the day you receive the letter to request written documentation of the bill. Just because they send you a bill does not mean you owe it.
The other issue for me is that I have my agreement and terms with Clear Credit. Nothing in it says there is a cancellation charge. So have them provide how the terms of the cancellation charge works. They will not be able to prove it.
This report was posted on Ripoff Report on 07/29/2005 11:49 AM and is a permanent record located here: http://www.ripoffreport.com/r/First-Credit-America-My-Perfect-Credit-Clear-Credit/Chicago-Illinois-60607/First-Credit-America-My-Perfect-Credit-Clear-Credit-SCAM-Illegal-Unwilling-to-follow-t-151725. 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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