MyPerfectCredit.com ripoff Carson Nevada

My Perfect Credit, Inc.
1805 N. Carson St. Ste. 419
Carson City, NV 89701

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


NATURE OF BUSINESS

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.

CUSTOMER EXPERIENCE

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

When evaluating complaint information, please consider the company's size and volume of business. The number of complaints filed against the company may not be as important as the type of complaints and how the company handled them.

Closed Complaints
Number of complaints processed by the BBB since the firm's BBB file was opened in February of 2004: 127
Number of complaints processed by the BBB in last 12 months: 121


Complaints Concerned
Advertising Issues: 10
Outcome of all complaints -
Resolved: 10

Sales Issues: 8
Outcome of all complaints -
Resolved: 6; Unresolved: 1; Company made good faith
effort to Resolve: 1

Delivery Issues: 2
Outcome of all complaints -
Resolved: 2

Guarantee or Warranty Issues: 1
Outcome of the complaint -
Resolved: 1

Refund or Exchange Issues: 4
Outcome of all complaints -
Resolved: 4

Customer Service Issues: 14
Outcome of all complaints -
Resolved: 11; Unresolved: 3

Credit or Billing Issues: 88
Outcome of all complaints -
Resolved: 69; Unresolved: 14; Company made good faith
effort to Resolve: 5



ADDITIONAL BUSINESS NAMES

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

ADDITIONAL ADDRESSES

Additional addresses for this company include:
3187 Red Hill Ave Ste. 100, Costa Mesa, CA 92626.

ADDITIONAL FILE INFORMATION

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: 08/27/2005

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.

STANDARD DISCLAIMER

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.