• Report: #153726
Complaint Review:

1st Credit Of America - My Perfect Credit - Clear Credit

  • Submitted: Mon, August 15, 2005
  • Updated: Tue, August 30, 2005

  • Reported By:Citrus Heights California
1st Credit Of America - My Perfect Credit - Clear Credit
300 N. Elizabeth St Chicago, Illinois U.S.A.

1st Credit Of America - My Perfect Credit - Clear Credit ripoff, fraud, harrassment Chicago Illinois

*Author of original report: Credit Received from My Perfect Credit!

*Consumer Comment: they did not stopped calling me!

*Author of original report: cease and desist letter

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In December of 2004 I noticed on my bank account 4 charges of $30.00 each from a company called SGADA.COM 800-370-5012 NICOSIA. I called that number and they told me they are just a money processing service company. They told me it was a company called My Perfect Credit, after locating a number and email address on the internet I proceeded to call them and told them that I never wanted or asked for this service.

They asked me if I recently ordered a credit report online. I told them yes, I got my free credit report online, because in California credit reports are free. I told them they better refund my $120.00 right now. They said okay, and sent me an email to fill out they said it was a formality. I did as they asked I filled out their email and sent it back, I also faxed it to them. here was the 1st transaction:

Date: Tue, 7 Dec 2004 14:18:05 -0800 (PST)
From: "Kimberly ****" Add to Address Book
Subject: Cancellation
To: support@myperfectcredit.com

Dear MyPerfectCredit support:
"I hereby cancel my contract; I am within my five-day right to

Full Name: Kimberly *****[required]
User Name: [required]
E-Mail used to sign-up: [required]
Date of Birth: 2/25/19** [required]
Telephone: [required]
Date: 2/7/04 [required]

Member's signature [required]

I UNDERSTAND that I may cancel my membership with MyPerfectCredit at any time. I also understand that if I cancel my MyPerfectCredit membership within the five (5)
day trial period, I will not be charged.

If I subscribed to the MyPerfectCredit services with Pre-Paid VISA Card offer, I understand there is a one time non-refundable bank issuance fee of $29.95. Further, I understand that if there is an outstanding balance on my membership account, MyPerfectCredit will continue normal billing under the Easy 30/35 Billing program until the balance is zero.

I acknowledge that MyPerfectCredit does not charge unless work has been performed.

Call Information
Order #: 1280008412 Date: 12/06/2004 Time: 19:09:43

Caller Information


Name: KIM
Phone #:
User Name:
Credit Card #:
Amount: 4x $30
Do You Wish To Proceed: YES


------ Please do not remove your unique tracking number! ------


From: "Support" Add to Address Book
To: ******
Subject: Re: 1107a Cancellation >
Date: Wed, 08 Dec 2004 00:29:28 GMT

Thank you for contacting MyPerfectCredit concerning your account.


This letter will serve as a confirmation that your MyPerfectCredit membership account has been cancelled.

We are sorry to see you leave!

If you have cancelled your membership within the five (5) day trial period, your account will not be charged. If you subscribed to the MyPerfectCredit services with our Pre-Paid VISA Card offer, there is a one time non-refundable bank issuance fee of $29.95. Naturally, if there is an outstanding balance on your membership account we will continue normal billing under our Easy 30/35 Billing program until the balance is zero. Remember, we do not charge you unless we have performed work on your behalf.


The Public Institute Research Group (PIRG) reports that 79% of adults in the United States have at least five (5) negative Credit Report items, per Credit Bureau, reported in ERROR!

Your Credit, even with errors, can legally be used to turn you down for a job, credit and even insurance such as auto, life, liability, homeowners, and renters.

According to the PIRG only one-third of all Credit Report disputes submitted to the Credit Bureaus are responded to or resolved to the satisfaction of the consumer.

The national average FICO Credit Score is 678. However, if your Credit Reports were accurate, your score might be much higher. If you have a 610 FICO score (rated C-) and think that is OK or the best you can get at this time, then keep using the MPC system because your Credit Score might really be 690 (rated B+).

The U.S. Supreme Court has said that individuals are responsible for their Credit Report files maintained at the Credit Bureaus. This means YOU must dispute inaccurate, outdated or unverifiable items. If you wait more than two (2) years, the Creditors and Credit Bureaus are not liable for damage you may incur as a result of their errors.

There are over 30,000 Identity Thefts in the United States every day. If you have credit, you might soon be the target for illegal use of your Credit that could damage up to ten (10) years of your life.

MPC has the only Credit Report based, offer and compromise Debt Relief program.

The MPC prepaid VISA card has No Interest Rate, No Late Fees, No Annual Fee and can limit your exposure to on-line Internet fraud because it is not attached to your bank account or to an extension of credit. It also reports as a positive credit item on your Credit Report.

If you should have any other questions, please contact us.

Kind Regards,
MyPerfectCredit, Inc.
Member Support

I never received a reimbursement even after many more attempts to get my money back. I just gave up. This was all in the month of Dec. 2004.

Then, all of a sudden July 27, 2005 I receive a phone call from a company called 1st credit of America stating that I owe 200+ dollars for service rendered by My Perfect Credit.

I told them I don't owe them any money, this is fraud. They asked me if I refused to pay. I told them I will pay after I receive a paper bill, statement, etc. in the mail stating who, what, when and why I owe. They told me they will not send anything until I pay them money over the phone first and that if I don't pay they will ruin my credit.

I laughed and told them send me a bill in the mail or I will not pay. Good Day and Don't Call Me Again! Of course they continue to call every day via their automated system. I filed a complaint with the California BBB.

I would like to be part of a class action lawsuit to get these frauds. I wonder how many innocent people have got suckered into paying them this money. Something has to be done about this! I also found another address for 1st Credit of America if anyone is interested:

DBA: First Credit Of America
Address: 4505 Allstate Drive Suite 206
Riverside , CA 92501
Primary Phone: (951) 788-5734

Citrus Heights, California

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This report was posted on Ripoff Report on 08/15/2005 02:41 PM and is a permanent record located here: http://www.ripoffreport.com/reports/1st-credit-of-america-my-perfect-credit-clear-credit/chicago-illinois/1st-credit-of-america-my-perfect-credit-clear-credit-ripoff-fraud-harrassment-chicag-153726. 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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#1 Author of original report

Credit Received from My Perfect Credit!

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

I can't believe it! I was on my bank website looking at my bank register when I noticed 4 x $30.00 credits from My Perfect Credit! I never thought it would happen but it did. I'm thankful that my perseverence paid off. However, the skeptical part of me says "Let's see what happens next" but in the mean time I am feeling better about the world!
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#2 Consumer Comment

they did not stopped calling me!

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

I sent them a cease and desist letter as well and received the delivery confirmation. This did not stop their calling. They called from different phone numbers, and would even block the number at times. For weeks after they received the letters, I would still get calls several times a day from 1st Credit of America, then they ended abruptly. I do not think that it is a coincidence that a new company - Omega Direct Response (ConnectOne) - starting calling me several times a day since then. They have never left a message, and I'm not calling them back. They promote themselves as a marketing agency, but they also handle collections as well. I can't believe that 1st Credit ignored my dispute and passed my account on. I wish someone would initiate a class action lawsuit against 1st Credit, as I have several documented instances of FDCPA violations.
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#3 Author of original report

cease and desist letter

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

I sent a cease and desist letter with return receipt requested. I received the receipt and have not had a phone call from 1st credit of america since.
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