I was one of the first individuals to file a Rip-off Report about My Perfect Credit. After I cancelled my debit card and got a new card, I thought that would be the end of this matter, but I too have been getting automated calls from First Credit on my cell phone voice mail. I called First Credit twice and asked them to stop contacting me since I dispute the alleged debt.
Both reps I spoke with were very rude and refused to give me their name or the address of their company. They also told me that ceasing to contact me "was not going to happen". I found the address of their company by doing an internet search, but the only thing the search led me to was the rip-off report web site.
That was my first clue that First Credit is a fraudulent company. I have filed a complaint against them with the Federal Trade Commission. For all those who are still being harassed by First Credit, I would say, "just be patient". Since their have been a mountain of reports filed here in the last month or so and many complaints filed with federal and state agencies, I think First Credit of America and My Perfect Credit probably know their days are numbered and are aggressively trying to squeeze every dollar they can out of their victims before their scams are finally put to an end.
The calls to my cell phone have still been coming in every day, but I watch my caller ID and just let them go into voice mail. I then just simply delete the voice mails. It has always been my practice not to answer calls in which I do not recognize the phone number. But I suggest that no one give in to them and pay them money.
First Credit uses harassment and fear tactics to try to get money out of it's victims, and from my experience and from the rip-off reports I've read, First Credit wants to do business ONLY by phone, which means you've got to give them a card number or checking account number over the phone. That's a very dangerous thing to do since First Credit of America and My Perfect Credit are both very shady companies to say the least.
Aberdeen, North Carolina