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  • Report: #151461

Complaint Review: MY PERFECT CREDIT - MyPerfectCredit.com - Val-U-Corp - 1st Credit of America

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  • Submitted: Wed, July 27, 2005
  • Updated: Thu, March 22, 2007

  • Reported By:Stockton California
MY PERFECT CREDIT - MyPerfectCredit.com - Val-U-Corp - 1st Credit of America
1805 N. Carson Street, #419 Carson City, Nevada U.S.A.

MY PERFECT CREDIT - MyPerfectCredit.com - Val-U-Corp - 1st Credit of America ripoff, scam, debt collection Carson City Nevada

*Consumer Comment: Harris digital publishing. jean harris, Customer care , Cyberspace to paradise , Net detective

*UPDATE Employee: MyPerfectCredit Rebuttal

*Consumer Comment: Do any of then Ever Quit?

*Consumer Comment: Do any of then Ever Quit?

*Consumer Comment: Do any of then Ever Quit?

*Consumer Comment: Do any of then Ever Quit?

*Author of original report: Brand Interactive/Carson Mail Depot not involved

*Author of original report: Harris Digital Publishing Phone Number

*Author of original report: The Clearcredit.com/Myperfectcredit.com tie

*Author of original report: Brand Interactive

*Author of original report: The address listed by MyPerfectCredit belongs to Carson Mail Depot.

*Author of original report: Nevada Attorney General this company is under investigation

*Consumer Suggestion: Heres what you do!!!

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In March of 2005 I signed up for a free credit report and services from MyPerfectCredit.com. I was supposed to receive an User ID and Password via email so I could sign in. That information never arrived in my email. I called on March 14, 2005 and asked where that information was and they said they would send it. It never arrived.

On April 6, 2005 my debt card was assessed a charge of $30 by MyPerfectCredit.com. I called customer service on April 10 and spoke with a service rep. and explained the situation. She said she would send me a cancellation/refeund request via email and my refund would be processed within 24 to 48 hours. I did not receive the cancellation notice.

On April 14, 2005 I called again and requested a cancellation/refund. I was told where to retrieve the request online. I immediately filled out the request, submitted it with the information listed above and I was promptly REFUNDED the $30 that was charged to my account.

On July 20, 2005 I was contacted by 1st Credit of America regarding a debt of $165.65 that I owe to MyPerfectCredit.com. I was told that I needed to pay the debt or it would be attached to my credit report. I explained the series of events and they directed me to contact MyPerfectCredit.com.

I immediately contacted MyPerfectCredit.com and the customer service rep said that she was unable to help me at Level 1 support, but she did provide me with the confirmation numbers of the phone calls that I had made. She said that only Level 2 support could help me. I asked to be transfered to Level 2 support and she said she had no way of transferring or contact them. I had to contact them via email. I asked her what I should do in the meantime and she said that in order to dispute the debt I had to do it through 1st Credit of America.

I called 1st Credit of America back and they told me they had no dispute process in place and that collection would continue until such time that MyPerfectCredit.com informed them otherwise.

On July 21 I sent both organizations a letter outlining the details above and included a copy of the cancellation that I had submitted to the company on April 14. I have given them 5 business days to resolve the matter, at which time I will take legal action against both companies.

To date, July 27, I have received nothing in writing from either company, including a correction, a validation of the debt, nothing. I spoke with Ms. Bullard at 1st Credit of America (1-866-505-8249) and attempted to explain where I was and asked her to stop calling until this was resolved. She immediately asked "Are you refusing to pay this debt?" and I told her "of course." She then stated that the telephone calls would continue until I paid the debt.

Here's the great challenge of this. MyPerfectCredit.com is a Nevada Corporation, which means that the organization does not reside in Nevada. The physical address given on the website for MyPerfectCredit is actually a company called Val-U-Corp a Nevada Incorporation Service. The fax number of (425) 977-8729 is in Bellvue Washington. The company is governend by the laws of the State of California and arbitration takes place in Orange County California. Does anyone know where these guys have actually set up shop?

STAY AWAY FROM MY PERFECT CREDIT!

At the end of this week if I have not resolved this matter with them, I will be contacting the BBB, FTC, local news organizations and a lawyer. If it becomes a legal case, I will be seeking a substantial punitive judgement.

Eric
Stockton, California
U.S.A.

This report was posted on Ripoff Report on 07/27/2005 12:30 PM and is a permanent record located here: http://www.ripoffreport.com/r/MY-PERFECT-CREDIT-MyPerfectCreditcom-Val-U-Corp-1st-Credit-of-America/Carson-City-Nevada-89701/MY-PERFECT-CREDIT-MyPerfectCreditcom-Val-U-Corp-1st-Credit-of-America-ripoff-scam-151461. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
0Author 13Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Harris digital publishing. jean harris, Customer care , Cyberspace to paradise , Net detective

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

Wow, the more I learn about this company/companies the slimier it gets. I too have been a victim of Harris Ditital publishing/Customer care dot com/Cyberspace to paradise, inc./jean harris(not a real person I've heard)/Net detective/others(will the real owner please stand up)Is this a vieled threat by the employee above? It sure looks like it.

The question is not wether they honor their money back guarantee, it is why they mislead people to purchase their product in the first place. A guarantee does not forgive dishonest advertising. I've read somewhere that only 4% will bother to request a refund, and it is probably less because of the complicated process and the five page refund form. This is highly profitable for (dang, I'm not sure which name to put down, there's so many)
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#2 UPDATE Employee

MyPerfectCredit Rebuttal

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

MyPerfectCredit makes every attempt to clearly identify any customers who may post to this site. Should the individual contact us and simply explain why they are disputing any balance or request a one time credit waiver, MyPerfectCredit will be very responsive to the request.

If at any time a member has a concern about their membership, wishes to close the account, or request a refund, they may do so by contacting our customer service representatives at support@myperfectcredit.com or (877) 469-7373. We promise to review your request on a timely basis, and make every effort to resolve all issues.

We stand by our commitment to provide exceptional customer service, and want our members to have a positive experience with MyPerfectCredit.Com. If a member cannot resolve any issue with the first level contact, they can request a second level review of the unresolved issues by e-mailing supervisor@myperfectcredit.com.
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#3 Consumer Comment

Do any of then Ever Quit?

AUTHOR: Carol Ann - (U.S.A.)

This sounds like Century Recovery and Systems of 702-944-411. These people do NOT practice Constitutional Law and tend to get away with everything they Think is right, without Color of law. You might try to report them to IRS Fraud. download form 3949, make a copy of it and send it to them by certified mail! You will recieve a Reward for yur troubles if improprieties are found!
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#4 Consumer Comment

Do any of then Ever Quit?

AUTHOR: Carol Ann - (U.S.A.)

This sounds like Century Recovery and Systems of 702-944-411. These people do NOT practice Constitutional Law and tend to get away with everything they Think is right, without Color of law. You might try to report them to IRS Fraud. download form 3949, make a copy of it and send it to them by certified mail! You will recieve a Reward for yur troubles if improprieties are found!
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#5 Consumer Comment

Do any of then Ever Quit?

AUTHOR: Carol Ann - (U.S.A.)

This sounds like Century Recovery and Systems of 702-944-411. These people do NOT practice Constitutional Law and tend to get away with everything they Think is right, without Color of law. You might try to report them to IRS Fraud. download form 3949, make a copy of it and send it to them by certified mail! You will recieve a Reward for yur troubles if improprieties are found!
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#6 Consumer Comment

Do any of then Ever Quit?

AUTHOR: Carol Ann - (U.S.A.)

This sounds like Century Recovery and Systems of 702-944-411. These people do NOT practice Constitutional Law and tend to get away with everything they Think is right, without Color of law. You might try to report them to IRS Fraud. download form 3949, make a copy of it and send it to them by certified mail! You will recieve a Reward for yur troubles if improprieties are found!
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#7 Author of original report

Brand Interactive/Carson Mail Depot not involved

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

I spoke with Grayson Gold, CEO of Brand Interactives, LLC as well as Bill Horne of Carson Mail Depot. They have been extremely helpful in resolving this matter with MyPerfectCredit.com.

First, neither Brand Interactives nor Carson Mail Depot have anything to do with MyPerfectCredit.com. This lead to both companies was an erronous lead provided by the Nevada State Attorney General's Office.

I retract any and all claims made against either company and would ask Ripoff.com to remove the contact information for both organizations ASAP. If that is not possible, I would encourage all to no contact them. They have assured me that they are not involved with this organization.

My apologies to both Brand Interactives and Carson Mail Depot and my thanks to both companies for their assistance in tracking down the owners of MyPerfectCredit.com
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#8 Author of original report

Harris Digital Publishing Phone Number

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

Harris Digital Publishing may in fact be the parent company of the entire operation. They are the owners of the "Clean Credit" system. Upon clicking on the link for Clean Credit, you can scroll to the bottom and they provide you with a link to MyPefectCredit.com

There are no phone numbers, only a fax number on the website for Harris Digital Publishing. However, I was able to dig up a phone number 386-736-3881. This is the FIRST real phone number that I have been able to discover for this company. And it works too.

And then I found the parent company. CTP or Cyberspace to Paradise Inc.

CYBERSPACE TO PARADISE, INC.
PRINCIPAL ADDRESS
1392 SOUTH WOODLAND BOULEVARD
DELAND FL 32720
Changed 03/25/2002
MAILING ADDRESS
1392 SOUTH WOODLAND BOULEVARD
DELAND FL 32720
Changed 03/25/2002
Document Number
P00000025712 FEI Number
593633111 Date Filed
03/06/2000
State
FL Status
ACTIVE Effective Date
NONE
Registered Agent
Name & Address
STANLEY, DEBORAH J
1392 SOUTH WOODLAND BOULEVARD
DELAND FL 32720
Address Changed: 04/22/2002

Officer/Director Detail
Name & Address Title
STANLEY, DEBORAH J
909 MCGREGOR RD
DELAND FL 32720 P

STANLEY, JOHN
909MCGREGOR RD
DELAND FL 32720 V

ADAMS, SCOTT
303 REEVES STREET
CELEBRATION FL 34747 COO

07/04/04 15:01:47 IP block 65.248.171.18
Trying 65.248.171.18 at ARIN
Trying 65.248.171 at ARIN
UUNET Technologies, Inc. UUNET65-2 (NET-65-240-0-0-1)
65.240.0.0 - 65.253.255.255
CYBERSPACE TO PARADISE, INC UU-65-248-171 (NET-65-248-171-0-1)
65.248.171.0 - 65.248.171.255

OrgName: CYBERSPACE TO PARADISE, INC
OrgID: CTP-11
Address: 605 Crescent Executive Ct
Address: Suite 300
Address: Room 65
City: Lake Mary
StateProv: FL
PostalCode: 32746-2104
Country: US
NetRange: 65.248.171.0 - 65.248.171.255
CIDR: 65.248.171.0/24
NetName: UU-65-248-171
NetHandle: NET-65-248-171-0-1
Parent: NET-65-240-0-0-1
NetType: Reassigned
Comment: Addresses within this block are non-portable.
RegDate: 2003-04-04
Updated: 2003-04-04
OrgTechHandle: CCA9-ARIN
OrgTechName: Campbell, Christian
OrgTechPhone: +1-407-772-0674
OrgTechEmail: christian@jeanharris.com

Registration Service Provided By: eNom, Inc.
Contact: info2@eNom.com
Visit:
Domain name: cyberdetective.net
Administrative Contact:
Cyberspace to Paradise, Inc.
Christian Campbell (christian@hdpublishing.com)
+1.3867363881
Fax: +1.3867363882
1392 South Woodland Blvd
DeLand, FL 32720
US
Billing Contact:
Cyberspace to Paradise, Inc.
Christian Campbell (christian@hdpublishing.com)
+1.3867363881
Fax: +1.3867363882
1392 South Woodland Blvd
DeLand, FL 32720
US
Technical Contact:
Cyberspace to Paradise, Inc.
Christian Campbell (christian@hdpublishing.com)
+1.3867363881
Fax: +1.3867363882
1392 South Woodland Blvd
DeLand, FL 32720
US
Registrant Contact:
Cyberspace to Paradise, Inc.
Christian Campbell (christian@hdpublishing.com)
+1.3867363881
Fax: +1.3867363882
1392 South Woodland Blvd
DeLand, FL 32720
US
Status: Active
Name Servers:
dns1.name-services.com
dns2.name-services.com
dns3.name-services.com
dns4.name-services.com
dns5.name-services.com
Creation date: 05 Sep 1998 00:00:00
Expiration date: 04 Sep 2004 00:00:00
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#9 Author of original report

The Clearcredit.com/Myperfectcredit.com tie

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

I have dug even further into the mystery of Myperfectcredit.com and Clearcredit.com and have come up with the person who owns the domain for Clearcredit.com.

Polnick, Chris
rewt@rewtinthebox.com
365 Egde Road
Parsippany, NJ 07054
Phone: 2019532389

This website is hosted by NetworkSolutions and the above information is public information.
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#10 Author of original report

Brand Interactive

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

I have been doing tremendous amounts of research into MyPerfectCredit.com. One of its sister organizations is a company called "Brand Interactive" (www.brandinteractive.com)

Brand Interactive LLC
1805 N. Carson Street Suite 17
Carson City NV, 89701
775-841-9096

Interestingly, they have the same mailbox service as MyPerfectCredit.com. The principles for Brand Interactive are:
Grayson Gold - CEO/Co-Founder
Katayoun Pooya - President/Co-Founder
Cary Etcheverry - Chief Technology Officer
Jayla Lee - Marketing Director

This is a list of the companies that Brand Interactive owns and operates, including MyPerfectCredit.com

AutoWarrantyExtension.com
TotalLoanFinder.com
Eleadz.com
CreditImprove.com
NationwideTaxAid.com
Nationwidecashadvance.com
Premier-debtconsolidation.com
icleancredit.com
nationwidecreditaid.com

It appears that these four people are the primary people involved with the MyPerfectCredit scam.
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#11 Author of original report

The address listed by MyPerfectCredit belongs to Carson Mail Depot.

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

Below is the information of the owner of this company. He may be unwittingly involved with the scam, but he knows who the owner of the mailbox is. Call and get him to cough up the information.

CARSON MAIL DEPOT
BILL HORNE
1805 N CARSON STREET
CARSON CITY, NV 89701
Telephone: 775-884-4748 Toll Free: 800-702-4748
Fax: 775-884-4211
Email: CMDENTINC@PYRAMID.NET
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#12 Author of original report

Nevada Attorney General this company is under investigation

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

I just spoke with John McGlamerie, Deputy Attorney General for the State of Nevada. Mr. McGlamerie gave extremely valuable information regarding MyPerfectCredit.com. First he told me that this company is under investigation. He has subpeoned several addresses and while he could not give me the details, he did say they now know that MyPerfectCredit is in Irvine, CA. The following websites are part of the same organization.

Cleancredit.com
Clearcredit.com
I Spy Offers
NetDetective.com
Brands Interactive

The people associated with this organization are
Greg Ward, CA
Aaron Jones, CA

The company has ties in Chicago, IL, which happnens to be the same location as 1st Credit of America.

Every address and all of the fax number and the phone numbers for MyPerfectCredit.com are all mail box services, fax services and answering services. The people that you talk to at the 877 number, have no idea what is going on.

Mr. McGlamerie directed me to file a complaint with the Federal Trade Commission (www.ftc.gov), with the Nevada State Consumer Affairs Bureau and to contact the California Attorney General's Office (www.ag.ca.gov)

If those of you who have been scammed will do each of these things, California, Nevada and the Federal government will go after these guys.
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#13 Consumer Suggestion

Heres what you do!!!

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

I was reading your story and sounds a whole lot like mine....On mine a lady suggested that I go to www.bendover.com (sorry rip-off report) then go to power search. type in Fair Debt Collection Practices. It will then take you to "How to fire the debt collector" it works!!!! They can't put anything on your credit. Good Luck.
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