MyPerfectCredit.com - ClearCredit.com - Unexpected Billing After Free Service Carson City Nevada

Desirae,

Yes, I was a previous customer of ClearCredit.com; however, if you NEVER signed up (online) for a free credit report (or anything else free), then your situation clearly constitutes "identity theft" and should be reported and prosecuted to the fullest extent of the law!

With that said, I opted to fight this company without changing and/or cancelling any of my bank or credit card accounts. One reason for this decision is that I have credit monitoring and identity theft insurance. If you are interested, you can purchase this insurance from any one of the three major credit bureaus. I chose Trans Union because they were the cheapest and offered the highest insurance limits. Here's what you get for $10.95 per quarter:

1 - Weekly updates on your credit status (i.e., no change, etc.)
2 - $25,000.00 fraud insurance

With that coverage, I feel confident that I can react to any issue before it causes irreputable harm.

Look into it and best of luck!

Here's Their Response:

Thank you for visiting the FTC's web page and for using our NEW electronic Talk To Us form. Here's what happened to your information after you sent it to us:
One of our consumer counselors reviewed the information you sent us. If it was related to the FTC's law enforcement responsibilities, we entered it into our shared law enforcement data system. We share this data system with law enforcement agencies throughout the United States and Canada. Attached is your electronic response, which includes your reference number. Any enclosures can be found at www.FTC.GOV under the News Releases, Publications, Speeches option.
Information from consumers like you helps Federal, State and Local authorities investigate possible illegal practices and enforce our laws. Someone from the Federal Trade Commission or another law enforcement agency may contact you if they need additional information to help them in an investigation.
Thank you for using our Talk To Us form, and please continue to use the FTC's web page, www.ftc.gov, to get free information to help you avoid costly consumer problems.

Let's shut these scammers down!! File a complaimt NOW!

gus I think you were able to cancel your account that way because your account was started through a previous membership with clearcredit. I only asked because when I fill out there cancelation form they send me a email back telling me that they are unable to locate my account with the info I provided, but I copy and plasted my user name a password from there own emails. I also wanted to tell you that I agree with your comment about everyone needs to file their complaint with better bussiness bureau, and with fedural trade commission I have already done this myself. for me it is not about the money infact I didn't let them get any from me. when I realized I could not cancel my account the same day I signed on the web site I started my searching and found this web site which gave me a heads up and I suspended my credit card before my five day trial ended.

I too read the terms and conditons which stated "The member authorizes's MyPerfectCredit's official payment processing agent to collect payment by automatic credit card or debit card for services rendered.

The member agrees not to report any credit card or debit card as lost or stolen that the member has used in conjunction with payment to MyPerfectCredit, or to report any charge by MyPerfectCredit on the member's credit card as unauthorized, for any services, if the member does not have good reason to believe they are, in fact, unauthorized or believe such card is not lost or stolen." but you know what I have so much dated material gathered that proves these charges would be unauthorized. thanks for your help gus.

How did I find out? MyPerfectCredit.com sent me an email with login instructions. AND yes, I did enter my SS number on the cancellation form before faxing it.

Yes, I did enter my social as my UserID but only on the fax to their fax number.

I understand this is/was risky but I did it anyway.

Maybe it was foolish to do so; but we'll see.

I have also filed complaints with the BBB online as well as the FTC for both poor business practices as well as possible identity theft.

More people need to file complaints with the BBB and FTC.

Regards,

I was sent an email with the information; here it is:

Welcome XXXXX!

We are very pleased to announce that MyPerfectCredit (MPC) has acquired your ClearCredit membership!

We offer more advanced services as well as many great credit report based services that were not offered by ClearCredit.

YES! You can continue to view and DISPUTE items on your credit report, right now.


MPC SERVICES:

- FREE UNLIMITED use of our CREDIT CORRECTION disputing service.
- DEBT RELIEF - credit report based offer and compromise to creditors.
- IDENTITY SHIELD - declare Identity Theft and credit report items that are not yours.
- CREDENTIALS - declare your credit before you borrow.
- FICO CREDIT SCORING METER.

...and much more!


LOGIN NOW:

- Go to: https://www.myperfectcredit.com/login.jsp
- Username: my SS number
- Password: last 4 digits of my SS number. Change at any time.


FREE ONE-TIME OFFER, only available to ClearCredit members.

FREE tri-merged credit report with Scores when you signup for our MPC VISA card. You can always take advantage of the UNLIMITED use of our Credit Corrections service.

We highly recommend the MPC PREPAID VISA CARD as a great way to build your credit and protect yourself from Identity Theft at the same time. There is NO interest, NO late fees, NO annual fee, and limits 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.
GO TO MPC VISA when you log in.


PRICING PLAN DETAILS, only available to ClearCredit members.

Only $9.95 per month! This includes UNLIMITED disputing in Credit Corrections and a 60% reduction in our normal fees for Debt Relief and Identity Shield to $2.95 per item instead of our normal $6.95. ClearCredit members, who were reported to us as Active, automatically transition into this MPC pricing plan in accordance with the terms and conditions of ClearCredit.


SAVINGS:

At ClearCredit you were paying $7.95 per dispute per credit bureau. With MPC, there is no charge for disputing. Credit Corrections is a completely FREE service.

Research has shown that 80% of people have 5 negative items per credit report. This would be 15 items at $7.95 with ClearCredit, or over $119.00 in SAVINGS with MPC!!!

You have a FIVE DAY RIGHT TO CANCEL your membership and incur no charges from MPC. Your account was registered as active in ClearCredit and, therefore, your account is now active with MPC. MPC will begin billing the credit card account you provided to ClearCredit in 5 days. Our pricing plan for you is a significant discount to what you had at ClearCredit. If you wish to update your billing information, please log in and go to Billing and Account Info.


FACTS TO KEEP IN MIND:

Maintaining the accuracy of your credit data and improving your credit score is
critically important to your future!

- It is estimated that nearly 80% of credit reports contain up to 5 negative items
reported in ERROR, per credit bureau!
- This incorrect data can be used to deny you credit, charge you outrageous interest
rates, prevent employment, and even deny you insurance!
- Removing negative items from your credit reports can significantly improve your
credit scores and enable you to qualify for more credit and lower costs!
- Over 30,000 people are victims of Identity Theft each day causing significant loss
and headache. This can damage your credit reports in many ways and very quickly.
- The U.S. Supreme Court has said that individuals are responsible for their credit
report files, not the credit bureaus. This means YOU must dispute identity theft,
inaccurate, outdated or unverifiable items.


IMPORTANT NOTES ABOUT YOUR MEMBERSHIP:

- You are always in control of the actions and charges!
- You have a 5 day free trial. You can use all of our services and look at your credit
information free for the next five days. After that we will begin processing all
items you have Opted-In for according to the pricing plan above.
- Results of disputes and verifications will be sent to your home address or e-mail
directly from the credit bureaus.
- Be sure to watch for our ACTION ALERTS in your email for important information about
your account.
- Support is as simple as logging in and selecting SUPPORT or HELP. We now have member
support 7 days a week.

This is a great step toward improving your credit future!

We appreciate your business!

Member Support Team
MyPerfectCredit

gus you said that your user ID and password is you social security number how did you find this out? so when you filled out your cancelation form you entered you social as you username?

gus you said that your user ID and password is you social security number how did you find this out? so when you filled out your cancelation form you entered you social as you username?

gus you said that your user ID and password is you social security number how did you find this out? so when you filled out your cancelation form you entered you social as you username?

gus you said that your user ID and password is you social security number how did you find this out? so when you filled out your cancelation form you entered you social as you username?

Here's how I did it:

3/27 - Called their 800 number (877-469-7373) and requested an immediate account cancellation with a full refund (they had charged my credit card $9.95 on 2/18 and 3/24). The answering service said they would forward my request to the MyPerfectCredit billing department.

3/27 - Logged onto MyPerfectCredit.com and changed the default password. This was very important in my opinion because they setup your account as follows:

User ID: Your Social Security Number
Password: Last 4 digits of your Social Security Number

With that kind of setup, anybody can enter a random SS# and enter the last 4 digits of the same number and find out who owns it (if they were built in the MyPerfectCredit database... dangerous!

3/27 - Now even more scared, I sent an email also requesting my account be cancelled immediately (The email was sent by selecting "cancellation" on a drop-down menu in the support area). In the body of the email, I simply stated "Please cancel my account immediately" and gave my name and emaill address. I did not include my SS# because I wasn't sure it was a secure connection. They auto-replied and gave a reference number to my request.

3/27 - Still trying to cover every base (in case I had to dispute this with my credit card company), I pulled a copy of their cancellation request, completed it, and faxed it on 3/29 to their fax number. (I did this because I wanted a fax receipt to indicate the transmission was successful)

3/30 - Received an email from MyPerfectCredit that confirmed my account cancellation but it made no reference to my request for a refund. This email included the same reference number in the previous auto-reply.

4/7 - Checked my credit card (via telephone) for additional charges from this company and was amazed to discover that MyPerfectCredit had credited my card with both of the previous $9.95 charges... a full refund.

I'm not sure if a single action worked or if it was a combination of all the above.

Good Luck,