• Report: #137278

Complaint Review: My Perfect Credit - myperfectcredit

  • Submitted: Sat, April 02, 2005
  • Updated: Tue, April 05, 2005

  • Reported By:marietta Georgia
My Perfect Credit - myperfectcredit
1805 N. Carson Street, #419 Carson City, Nevada U.S.A.

My Perfect Credit - Contact Marcus Segal - 650-522-4487 MyPerfectCreditMy Perfect Credit ripoff, My Perfect Credit - Contact Marcus Segal - 650-522-4487 Carson City Nevada

*Consumer Suggestion: Gene, Its not 'identity theft' -its myperfect credit running their credit cards and stealing their money.

*UPDATE Employee: Contact MyPerfectCredit directly

*Consumer Comment: Great work!!! how we can get these butt munchers shut down

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I have located contact for the situation with My Perfect Credit. His name is:

Marcus Segal

When you call and press # it takes you to the vindicia network. Marcus is part of this group and you can read about all of them....

Gene Hoffman, Jr.
Chairman and Chief Executive Officer
Prior to Vindicia, Mr. Hoffman co-founded EMusic in January 1998 and served as President, Chief Executive Officer, and a Director. As head of EMusic, Mr. Hoffman was featured on the cover of Forbes Magazine as a member of the July 1999 E-Gang, and named one of the 100 most influential entrepreneurs in technology in Upside Magazine's November 2000 Elite 100. Mr. Hoffman led the acquisition of EMusic by Vivendi/Universal in June 2001.

Before founding EMusic Mr. Hoffman was Director of Business Development and Director of Interactive Marketing of Pretty Good Privacy. Mr. Hoffman joined Pretty Good Privacy after it acquired PrivNet, Inc., an Internet privacy software company, where he was co-founder, Director and Executive Vice President.

Brett A. Thomas
Chief Technology Officer
Before Vindicia, Mr. Thomas was Executive Vice President of Technology for EMusic, joining Mr. Hoffman shortly after the company was founded. While at EMusic, Mr. Thomas led a team of sixty-five employees and oversaw the technical integration of several geographically diverse enterprises utilizing multiple platforms.

Mr. Thomas has been a professional software developer since 1989, and has management, contract and technical experience through roles at Network Associates, PGP, NCR, MCI and IBM. Mr. Thomas has particular expertise in the design and implementation of high transaction volume e-commerce systems, large-payload download infrastructures, conversion of paper documents to electronic formats, encryption and security.

Mark B. Elrod
Executive Vice President of Business Development
Prior to founding Vindicia, Mr. Elrod served as Vice President of Engineering and Business Development for ETP, Inc. and was a co-founder of LiquidMetal Consulting, providing time-critical engineering design and development resources to online media companies.

Before LiquidMetal, Mr. Elrod was a founding member and technical lead for FreeAmp.org, a non-profit, open-source media development organization sponsored by EMusic. Mr. Elrod came to EMusic from PGP/Network Associates where he led the Windows client development for their flagship encryption product after joining the team through the merger of PGP and PrivNet, an Internet privacy software company, where he was co-founder, Director and Vice President of Engineering.

Melissa Kaselitz
Vice President of Sales
Before Vindicia, Ms. Kaselitz was the Principal Founder of echo lane, Inc. a sales consulting business focused on development of sales processes, outsourced lead generation and CRM configuration services for technology companies. Prior to echo lane, Kaselitz led the sales team at Media Publisher, Inc. (MPI), an enterprise streaming media software company, where she drove sales in the financial services, pharmaceutical, and government sectors and achieved profitability in MPI's first year.

Prior to MPI, Ms. Kaselitz was the Sales Director for the West and Central regions at Inktomi and was responsible for enterprise sales of content networking and infrastructure software, media distribution applications, and search/retrieval solutions. Prior to Inktomi, Kaselitz served in sales management positions at eScene networks, USWeb, Paine Weber, and ADXL. Ms. Kaselitz co-founded the NW Colorado Recreation Facility, a non-profit organization for young athletes. Ms. Kaselitz has a BA in English Literature from the University of Vermont.

Marcus Segal
Vice President of Operations
Prior to Vindicia, Mr. Segal was Vice President of Operations at EMusic.com, a leading Internet-based music subscription service, where he was responsible for the HR, Production, Customer Service, Royalty Administration, and Business Affairs departments of eMusic through the Company's acquisition by Vivendi/Universal's Universal Music Group in 2002.

Prior to EMusic, Segal served as the Executive in Charge of Production/COO for The Documedia Group, an award-winning documentary production company based in Los Angeles. His projects included the 52-hour Sworn to Secrecy series for The History Channel and The Last Days of WWII for the A&E Network for which he was nominated for an Emmy. Mr. Segal holds an MBA from Pepperdine University's Graziadio School of Business, was named a National Journalism Center Fellow in 1996, and received a BA in English Literature from the University of California at Santa Barbara.

Marv Su
Vice President of Marketing
Before Vindicia, Mr. Su was Vice President of Business Development and Interactive Marketing for EMusic.com, where he was responsible for all aspects of partner, channel, and online marketing for EMusic and helped grow the EMusic online music subscription service from inception to a subscription base of approximately 75,000 users.

Prior to EMusic, Su was Director of Internet Marketing and Community for Intuit's Small Business division. Before Intuit, Mr. Su held management positions in Business Development and Advertising Operations at Infoseek Corporation. Prior to Infoseek, Su held various product marketing, business development, and management positions at Apple Computer. Mr. Su has a B.S. in Electrical Engineering from Stanford University and a M.S. in Management from the M.I.T. Sloan School of Management.

marietta, Georgia

This report was posted on Ripoff Report on 04/02/2005 02:40 AM and is a permanent record located here: http://www.ripoffreport.com/r/My-Perfect-Credit-myperfectcredit/Carson-City-Nevada-89701/My-Perfect-Credit-Contact-Marcus-Segal-650-522-4487-MyPerfectCreditMy-Perfect-Credit-r-137278. 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 Suggestion

Gene, Its not 'identity theft' -its myperfect credit running their credit cards and stealing their money.

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

Good morning:

If i am reading this reply correctly, I am under the impression that your comany is in in partnership or works indirectly with My Perfect Credit???

Let me tell you something:

I went to the site to get a 3 bureau report with a 'free trial' . I didnt need to fix my credit -it is fine.

I go to sign up and they force feed you a prepaid -thus debit- visa for a '29.95 fee ' that is automatically checked . This means that if you dont see it or for whatever reason are more occupied with getting your credit you automatically order the stupid thing.

Now i saw this little scam and clearly unchecked the box then submitted my form. It then says 'congratualtions' you ordered the visa scam card anyway.

So -having come this far, i go to check my credit and i can tell you the truth -the 'information' couldnt have come from the major credit bureaus. It was 6 months outdated and missing major information. I know it for a fact because i am a direct member of equifax and can pull my credit at will.

Any resonable person who now has given their information to this site -then being forcefed a visa debit card -then being given a credit report that isnt remotely even close to the real thing , has to be HIGHLY concerned that there is no way this is legitimate.

I have no idea how you can be in league with this company in any way. Nor can word play and disclaimers written into the scam packaging undo the fact myperfectcredit is not a legitimate site and is misrepresenting itself.

The whole gig here is (in my opinon) - to get the credit card info from people and then soak em down and see how much sticks is ridiculous. Charge em -then refund whoever wines the most.

As for your assertion that these people are victims of identity theft...... well wouldnt that mean that whoever is stealing the info should be getting the profit? Purchases on visas to buy clothes, other items ,cash theft etc...

No, instead what is happening is that people are being billed from MYPERFECTCREDIT is the only 'theft' goin on here - and they are getting the profit. Funny how that it working isnt it?

Its not 'identity theft' -its myperfect credit running their credit cards and stealing their money.

Please give me the phone number to your organization and your business licence number
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#2 UPDATE Employee

Contact MyPerfectCredit directly

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

Vindicia is a third party company that assists merchants in handling and resolving credit card chargebacks. Vindicia can not issue you a credit. If you receive a letter from Vindicia on behalf of MyPerfectCredit then you by definition have attempted to create a chargeback on your credit card.

If you have never signed up for MyPerfectCredit or Clear Credit, who MyPerfectCredit acquired at the end of 2004, then you may have had your identity compromised by an identity thief. If this is the case you should place an alert on file with the three major credit reporting agencies. This is the link for Experian:

If you feel you deserve a credit for some other type of dispute or that your chargeback is legitimate, please contact MyPerfectCredit directly at 877-469-7373.
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#3 Consumer Comment

Great work!!! how we can get these butt munchers shut down

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


I was ripped off by my perfect credit as were untold 1000s more who havent come to this website . Tell me how we can get these butt munchers shut down and how we can start a class action lawsuit.

I hear they have 70 (and counting) reports to the BBB .... can we confirm this?

As for the computer fraud - we are in fact dealing with high powered professionals here. It would be great to actually get the FBI to act on this one. They are very dangerous and have incredible knowledge to pull identity theft.

There are so many charges that i know they have all the 'loopholes'worked out before it all started. However, there will be some flaw in their system that can be proven as intent -not just mere mistake.

Call the company and start recording the conversations -the mere fact of non compliance apparent ignorance of the CSR will eventually turn into intent as they keep denying they know whats going on.

Call and ask what the programs they offer are: If they are stupid enough to know all about that and tell you -then why wont they know about the financial stuff or dispute info? -It will all break down the credibility and turn it into intent to defraud.

Send emails and document their (eventual) replies. Even document that their was no return of the email -so the site address was still good and they must still be getting the mail.

Sooner or later the company will slip up -and we will prove intent. There is no perfect crime and well will get them if we are persistent enough.

Please find out who the CEO or President is of the company and start calling him/her. Their inability to stand up for themselves also weighs against them in credibility. Tell them about our websight so we can prove they knew about it -and didnt respond in rebuttal.

Start Advertising - on websites like this with their names on it. Avoid calling them crooks or 'liars' -just put their names down and what their role in the company is -and how many complaints there are. They cant sue for that -and it smears their name.
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