Report: #150795

Complaint Review: 1st Credit Of America, Allied Technology

  • Submitted: Thu, July 21, 2005
  • Updated: Sun, August 07, 2005
  • Reported By: concord North Carolina
  • 1st Credit Of America, Allied Technology
    300 North Elizabeth Suite 220B
    Chicago, Illinois

1st Credit Of America, Allied Technology and my perfect Ripoff Chicago Illinois

*Author of original report: Actually heard back from My Perfect Credit

*Author of original report: Address for My Perfect Credit in California

Show customers why they should trust your business over your competitors...

1st Credit of America and My Perfect put a unauthorized charge on my debit account. I called my bank and inquired about the charge. After a phone call and several emails, I never received a response.

A few months later I received a call from a collection agencey claiming to be 1st Credit of America calling on behalf of my perfect The multiple persons I spoke with were extremely rude, refused to tell me what the collection was specifically for, and tried to strongarm me into paying them immediately.

I was transferred multiple times to persons who at first claimed to be supervisors and then said they were not. I asked for a phone number to contact my perfect and was transferred to another number in the same company.

After a lengthy conversation I was told that I still owed the money (for a credit repair service--- which I am not in need of)and a police report was filed with my local police dept for identity theft and a copy was forwarded to the U.S Secret Service and the Better Business Bureau.

Do not give in to these people---they want you to give up and just pay the money.

concord, North Carolina
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This report was posted on Ripoff Report on 07/21/2005 07:56 PM and is a permanent record located here: 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. READ: Foreign websites steal our content

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#1 Author of original report

Actually heard back from My Perfect Credit

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

Hello Everyone,

I found an e-mail that My Perfect Credit actually responds to other than the automated responses. The address is I told them of my situation and they wrote back and told me that they would notify First Credit of America to take my off of the list (That shouldn't be hard since they are probably sitting right beside each other.) I responded and asked how they got my information to open an account. They responded that they got my info from Clear Credit in February of 2005. I never had an account from them either. I have seen some people on this site talking about possibly paying these people. Don't give in to these people. They know that there days are numbered. I received a letter from the Nevada Attorney General telling me of the many complaints they have received from customers about these companies. Maybe they will have to shut down before long.

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#2 Author of original report

Address for My Perfect Credit in California

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

Hello Everyone,

I found this report on the Better Business Bureau's website. It gives the address to My Perfect Credit in California. Also, here is some advice of what I have done. File a report with the California AG, Nevada AG, Chicago AG, IFCC, FTC, BBB, and your home state AG. Make copies of every complaint and fax them to 1st Credit of America at 1-312-896-9198. I was dealing with Ms. Boyd, who was nice until I informed her of this website and of the complaints that they have. Now, she wont return my calls. Anyway, fax to her attention or Ms. Belgabo. They wont call me back but the calls to my house have stopped. DONT GIVE IN TO THESE CRIMINALS!!!! Thanks to Eric from Stockton for all your help.

My Perfect Credit, Inc.
3187 Red Hill Ave Ste. 100
Costa Mesa, CA 92626

Phone Number: 877-469-7373
Fax Number: 425-977-8729
Membership Status: This company is not a member.
Type of Business: Credit Repair Services
Credit Cards & Plans

The following information was provided by the BBB of COLTON, CA as of 07/30/2005.


This company offers a 5 day trial membership which provides members with an analysis of their credit report, and a consultation on which negative items might be successfully challenged to result in removal from the clients credit history.

The company advertises they operate on a pay by performance basis, charging a $6.95 fee for each item challenged . If all three of the major reporting agencies are to be challanged, the $6.95 charge would be x 3.

All charges are automatically charged to a credit or debit card number which is recorded before the trial begins. It appears that in some cases clients are supplied with a Visa bank debit card with the agreement that the card will automatically be charged a $29 processing fee upon issuance. Any charges for services are also deducted from the debit card number.


Based on BBB files, this company has an unsatisfactory record with the Bureau due to a pattern of failure to eliminate the basic cause of customer complaints brought to its attention by the Bureau


This company also does business as: and
Pathway Data, Inc..


Additional addresses for this company include:
1805 N. Carson St. Ste. 419, Carson City, NV 89701.


As of April 2005 the Better Business Bureau of Northern Nevada is no longer processing complaints against MyPerfectCredit, Inc.

The company's headquarters are located Costa Mesa, CA and all complaints are now being forwarded to the Better Business Bureau located in Colton, CA.

To file a complaint or to obtain a copy of their report on this company please contact the BBB at PO Box 970, Colton, CA 92324, their telephone number is 909-835-6064 and their web address is www.labbb.orgd in the State of Nevada, they are using the services of a Resident Agent. The Nevada address used by the company is the address of their Resident Agent. The address is a mailing address and not a physical business address for the company.

According to Carson City Business Licensing Dept. on January 19, 2005 MyPerfectCredit, Inc. changed their name Pathway Data, Inc.

REPORT DATE: 07/30/2005

COPYRIGHT DATE: 2005 BBB of Northern Nevada, Inc.

The information in this report has either been provided by the company, or has been compiled by the Bureau from other sources.


As a matter of policy, the Better Business Bureau does not endorse any product, service, or company. BBB reports generally cover a three-year reporting period, and are provided solely to assist you in exercising your own best judgment. Information contained in this report is believed reliable but not guaranteed as to accuracy. Reports are subject to change at any time.
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