Complaint Review: My Credit Group - San Marcos California
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- Author Confirmed
- My Credit Group 820 Los Vallecitos Blvd., Suite F San Marcos, California U.S.A.
- Phone: 800-430-7494
- Web:
- Category: Credit Services
My Credit Group Don't fall for the lies. They will NOT help you to repair your credit. San Marcos California
*Consumer Comment: As a matter of fact, I did.
*Consumer Comment: As a matter of fact, I did.
*Consumer Comment: As a matter of fact, I did.
*Consumer Comment: As a matter of fact, I did.
*Consumer Comment: until you learn to do the research
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My experience is very similar to the other person's. I joined My Credit Group on 10/9/08. I payed the $99.00 fee upfront, then the $59.00 monthly fee began about two weeks later. During that initial call, I was told that a client representative would call me (at a designated time) on the following Monday to discuss my credit repair plan. No one called. Two days later, I called to ask why I hadn't been contacted. I was transferred to someone named John, who went over all of the items in my credit report with me. We talked about which ones were valid and which were disputable. He indicated that he would immediately send out dispute letters and contact the valid companies to begin settlement discussions. He said that I should look for notices from the credit reporting agencies within 45 days.
On January 15, 2009, I still had not received a single response from a credit agency. Nor did I receive any correspondence from debtors about settlement discussions. I contacted My Credit Group, and was (again) transferred to John. He said that all of the dispute letters were sent out and that since I hadn't received any correspondence, the credit agencies were required to remove negative items. He said that he would send the required paperwork. Feeling very happy, I completely forgot to ask about the settlement discussions with the valid creditors.
On March 16, 2009, I checked my credit report. NONE of the disputed items had been removed. I immediately called My Credit Group to cancel my membership subscription. I spoke with a woman (whose name I didn't get), who said "she was happy to cancel my account." Feeling like an idiot for spending hundreds of dollars for nothing, I was at least satisfied that the whole ordeal was over.
On March 18, 2009 (today), I checked my bank account balance. Sure enough, My Credit Group used my debit card # to charge their monthly $59.00 fee, despite the assurance that my account was cancelled.
Since I joined this scam of a company, I have paid $453.00 FOR NOTHING. I will be contacting them as soon as they open today. If I do not receive a full refund, I will contact the Better Business Bureau in addition to this Ripoff Report.
Don't waste your time or your money on these jerks!
Shannon
Sykesville, Maryland
U.S.A.
This report was posted on Ripoff Report on 03/18/2009 04:44 AM and is a permanent record located here: https://www.ripoffreport.com/reports/my-credit-group/san-marcos-california-92069/my-credit-group-dont-fall-for-the-lies-they-will-not-help-you-to-repair-your-credit-san-435264. 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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#5 Consumer Comment
As a matter of fact, I did.
AUTHOR: Shannon - (U.S.A.)
SUBMITTED: Wednesday, March 18, 2009
Thanks for your oh-so-helpful comment, Laura.
Yes, I did extensive research on credit repair agencies before paying anything. My reasons for seeking these services, although none of your business, were simply because I don't have the time to dedicate to staying on top of the credit agencies. I figured it was more expedient to simply hire a firm that specializes in such activities.
At the time, there was no negative information available for My Credit Group. I researched many different compaines, and this was the only one without any negative information. I checked with the BBB, as well as all of the "scam alert" websites, but there wasn't any indication that this company was a scam.
So, before you make broad generalizations about someone's research efforts, think twice. Furthermore, if you have nothing constructive to write, just don't bother.
#4 Consumer Comment
As a matter of fact, I did.
AUTHOR: Shannon - (U.S.A.)
SUBMITTED: Wednesday, March 18, 2009
Thanks for your oh-so-helpful comment, Laura.
Yes, I did extensive research on credit repair agencies before paying anything. My reasons for seeking these services, although none of your business, were simply because I don't have the time to dedicate to staying on top of the credit agencies. I figured it was more expedient to simply hire a firm that specializes in such activities.
At the time, there was no negative information available for My Credit Group. I researched many different compaines, and this was the only one without any negative information. I checked with the BBB, as well as all of the "scam alert" websites, but there wasn't any indication that this company was a scam.
So, before you make broad generalizations about someone's research efforts, think twice. Furthermore, if you have nothing constructive to write, just don't bother.
#3 Consumer Comment
As a matter of fact, I did.
AUTHOR: Shannon - (U.S.A.)
SUBMITTED: Wednesday, March 18, 2009
Thanks for your oh-so-helpful comment, Laura.
Yes, I did extensive research on credit repair agencies before paying anything. My reasons for seeking these services, although none of your business, were simply because I don't have the time to dedicate to staying on top of the credit agencies. I figured it was more expedient to simply hire a firm that specializes in such activities.
At the time, there was no negative information available for My Credit Group. I researched many different compaines, and this was the only one without any negative information. I checked with the BBB, as well as all of the "scam alert" websites, but there wasn't any indication that this company was a scam.
So, before you make broad generalizations about someone's research efforts, think twice. Furthermore, if you have nothing constructive to write, just don't bother.
#2 Consumer Comment
As a matter of fact, I did.
AUTHOR: Shannon - (U.S.A.)
SUBMITTED: Wednesday, March 18, 2009
Thanks for your oh-so-helpful comment, Laura.
Yes, I did extensive research on credit repair agencies before paying anything. My reasons for seeking these services, although none of your business, were simply because I don't have the time to dedicate to staying on top of the credit agencies. I figured it was more expedient to simply hire a firm that specializes in such activities.
At the time, there was no negative information available for My Credit Group. I researched many different compaines, and this was the only one without any negative information. I checked with the BBB, as well as all of the "scam alert" websites, but there wasn't any indication that this company was a scam.
So, before you make broad generalizations about someone's research efforts, think twice. Furthermore, if you have nothing constructive to write, just don't bother.
#1 Consumer Comment
until you learn to do the research
AUTHOR: Laurie - (U.S.A.)
SUBMITTED: Wednesday, March 18, 2009
you are destined to make these same stupid mistakes again and again
the federal trade commission website has info on credit repair scams and why you DO NOT NEED TO PAY SOMEONE TO DO IT FOR YOU!
But you did not bother to LOOK FOR CONSUMER PROTECTION INFORMATION before you sent money...
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