MyPerfectCredit.com Ripoff Fraudulent claim Carson City Nevada

THIS Rip-Off report HELP you !!!

On 03/30/05 I obtained a FREE credit report from MyPerfectCredit.com.

Within hours, I attempted to cancel their 5 (five) day free trial period. When I did not receive an email confirmation from suing their online form, I attempted to fax a writtten notification. Their Fax line consistently busy. The toll free number is usually busy.

Finally was able to get through on the phone to an alleged customer "service" representative. She failed to grasp the concept that the word service is a transitive verb.

She was hostile and not accomodating. Lo and behold, 6 (six) days later I receive emails with one being a cancellation notice.

My credit card was charged $30.00 (thirty dollars) even though I was assured there would be no charges.

07/21/05 I received a phone from a collection agency gency stating I owed money to MYPerfectCredit.com, a service I used to obtain a FREE credit report.

I stated for this collectiona gency to fax me an accounting of how I could owe $186.80. No fax was received.

I immediately sent an email to MyPerfect Credit requesting an explanation. Please see below test for their response:

Thank you for contacting MyPerfectCredit concerning your account.

Your account has been turned over to 1st Credit of America [a collection agency] for the outstanding balance due at the time your account was closed. To pay your balance immediately and protect your credit call 866-505-2632 to arrange for payment.

If you wish to dispute the validity of this debt, you may submit a written request to:

1st Credit of America
300 N. Elizabeth
Suite 220B
Chicago, IL 60607

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

Kind Regards,


MyPerfectCredit, Inc.
Member Support
support@myperfectcredit.com

--- Original Message ---
From:
Received: 7/21/2005 5:10:54 PM Eastern Standard Time (GMT - 4:00 )
To: support1@myperfectcredit.com
Subject: Contact Us Form Contact ID #993152719

Subject: Other

REF: Sender specified that they are not currently a member.

I just received a most disturbing phone call from a credit collection agency stating i owe your firm $181.00 (OIne Hudnerd and Eigbht One Dolalrs. Please explain this charge to me. this accoutj was cencelled in March even though I was billed for it in error and received no credit adjustment.

Thank you,


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

I began checking out the company ont eh Internet. What a shock.

I hvae filed a claim with the Federal Trade Commision and sent a cease and desist letter to 1st Credit of America, see below:

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
July 22, 2005

Certifed Mail - Return Receipt Requested

Mr. Dorsey
1st Credit of America
300 N. Elizabeth
Suite 220B
Chicago, IL 60607

Re: MyPerfectCredit.com Account Cancellation & Contact Us Form Contact ID #343418226

To Whom It May Concern:

You are hereby notified under the provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are not desired.

1. You and our organization must CEASE & DESIST all attempts to collect the above debt. Do not call me at work or at home. Do not call or contact me in any method.

2. The balance you stated to me of $186.60 is not valid much less accurate for I have never had an account with MyPerfectCredit.com.I did utilize their services for their free credit report.

3. Let this letter also serve as your warning that I will utilize telephone-recording devices in order to document any telephone conversations that we may have in the future, should you disregard this notice.

4. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law.

Again, since it is my policy neither to recognize nor deal with collection agencies, I intend to settle this egregious as well as erroneous matter with MyPerfectCredit.com. Enclosed is correspondence indicating I had this account pending cancellation from 03/3/05 until 04/05 when I received an email confirming cancellation.

Sincerely,



~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
By filing a complaint with the Better Business Bureau, which gives them an F rating, I found the following information, which includes a full rating review, the number of complaints, etc.:

http://www.labbb.org/BBBWeb/Forms/Business/CompanyReportExtensionPage.aspx?CompanyID=13216223&sm=#ComplaintExperience

Company Report
Company Report Details

My Perfect Credit, Inc.
3187 Red Hill Avenue Suite 100
Costa Mesa, CA 92626
Contact: David Coulter
Phone: (877) 811-4111

Company
Rating
F
Rating Explanation:
The rating the Better Business Bureau assigns a business is determined by our composite score of such factors as its type of business, length of time in business, compliance ...

Full Rating Explanation
Company Profile
DBA: My Perfect Credit, Inc.
# Other DBAs: My Perfect Credit, Inc.
# PathWayData, Inc.
Address: 3187 Red Hill Avenue Suite 100
# Costa Mesa, CA 92626 Other Addresses: 3187 Red Hill Avenue Suite 100
Costa Mesa, CA 92626
# 1805 North Carson Street Suite 419
Carson City, NV 89701
# Primary Phone: (877) 811-4111 Other Phone Numbers: (877) 811-4111
# (949) 851-4880
# Primary Fax: (425) 977-8729 Other Fax Numbers: (425) 977-8729
# (800) 853-9425
Primary Contact: David Coulter
# CEO Other Contacts: David Coulter
CEO
Email:
# Dorine Firestone

Email: dorine@pathwaydata.com
E-Mail Address:
# Website: http://www.myperfectcredit.com Other Websites: http://www.myperfectcredit.com
Company ID: 13216223
Business Start Date:
BBB Created Record on: 9/14/2004

Nature of Business:

This company's business is providing credit reporting services.

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Bureau Membership

Join Date:
This company is not a member of the Better Business Bureau. This fact does not disparage the company in any way.

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Licensing and Bonding Information


California law requires that companies advertising the availability of loans or offering to procure loans or credit must be registered with the California Attorney General's Office as a Credit Services Organization and post a $100,000 bond.

To verify registration and bonding, contact the California Attorney General by writing to; DOJ. Att. Public Inquiry Unit, P O Box 944255, Sacramento, Ca. 94244, by calling (916) 322-3360, faxing 916-323-5341, or visit their website at www.ag.ca.gov.

As of our verification on April 28, 2005, this company is not registered, or bonded with the California Attorney General's Office.

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BBB Comments and Analysis
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.

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Complaint Closing Statistics

The following grid displays the number and responses to complaints over the last 36 months:
No. of Cmpl Type of Response
7 Making a full refund, as the consumer requested
0 Making a partial refund
16 Agreeing to perform according to their contract
12 Refusing to make an adjustment
2 Refuse to adjust, relying on terms of agreement
29 Unanswered
4 Unassigned

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Complaint Experience
Some complainants allege unauthorized charges to credit or debit cards. Other clients complain of inability to cancel servcies, along with recurring monthly charges for unordered, or unwanted services. Still others allege false advertising, and incomplete or unclear disclosures concerning financial obligations of members. Customers complain based on the company's website ads, they believed they could sign up for services for free with no obligation and no monthly fees.. Even customers who allegedly cancel within the specified time period reportedly also experience unauthorized charges or debits. Some recent complaints allege that this company bought the clients of another credit repair company called Clear Credit. These customers allege, that without receiving notice of service changes, or being given the option to cancel, they began incurring charges on their credit cards and bank accounts which are listed as monthly service fees for My Perfect credit. These customers had not authorized any payment or account debits to My Perfect Credit. The customers contend that the services fees imposed are unauthorized, therefore, they request credits and immediate cancellation. All complainants generally allege they experience technical difficulties on the website, and are unable to cancel. According to the company's website, the only means of cancellation is via the internet site.

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Government Actions
We know of no government action taken against this company.

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Advertising Review
We believe this company's advertising is deceptive and misleading. California consumer protection law declares it unlawful for any company to place untrue or misleading ads to induce the public to enter into an obligation to purchase if the intent is not to sell at the advertised or stated price. Whenever a price is mentioned in advertising, any extra charges should be disclosed in immediate conjunction with the price. Some examples might include, delivery, installation, assembly, travel charges, or shipping and handling. An asterisk may be used to impart additional information about a word or term which is not in itself deceptive. The asterisk should not be used as a means to contradict or change the meaning of the ad, and should be clearly and prominently disclosed.

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Other Considerations
This company also has a offices located with the service area of the Better Business Bureau' of Reno Nevada. The Reno BBB reports receiving numerous complaints with allegations very similar to that of the Costa Mesa location.'s complaints, and has issued an unsatisfactory rating for this company.

In connection with their trial offer, this company uses a questionable marketing method known as negative option cancellation. With this method, products and services are sent to consumers unsolicited, and unauthorized charges appear on credit cards. Usually, materials sent with the product or service will allow a specified time period for cancellation and return without penalty or obligation. However, many overlook the advisory, and are unaware of the charge until their next monthly credit card statement. In some cases, consumers find they are unable to contact the company to arrange returns or ask for credit. Most credit card issuers will allow the cardholder 60 days to dispute an unauthorized or inaccurate charge. Review your monthly statement carefully. If you discover a charge which is unfamiliar, investigate and dispute the amount with your card issuer as soon as possible to protect yourself from making unwanted purchases.

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I urege each of you to vindicate your rights under all laws applicable.

Deceived in Vegas
Las Vegas, Nevada
U.S.A.