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Report: #187668

Complaint Review: My Perfect Credit, CCC - Carson City Nevada

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  • Reported By: Phialdelphia Pennsylvania
  • Author Confirmed What's this?
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  • My Perfect Credit, CCC 1805 N. Carson St. #419 Carson City, Nevada U.S.A.

My Perfect Credit, CCC Charging for Disputing information with out my consent. Ripoff Carson City Nevada

*UPDATE Employee: MyPerfectCredit Member Support Response

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In March of 2005 I was charged one dollar to become a member of My Perfect Credit. In there terms it stated that I only would be charged for items that I requested that they dispute on my behalf and if there were no actions taken in any given month I would not be charged. Since the initial registry I never logged back in nor did I ever request that they dispute any items on my behalf.

As incredible as it may seem I did not realize that they had billed my credit card account $34.95 for the last 12 months. I am always monitoring my creidt and disputing inaccurate information myself but it wasn't until recently that I started to get bombarded with credit reports from all three agencies indicating that they investigated my disputes and verified information was correct, that I realized what was going on. I even got one from Transunion stating that they deemed my disputes to be frivolous which is against the FCA.

I remember getting the monthly emails reminders that if there were any actions taken I would not be charged more than $34.95 a month. Since I never initated anything I just deleted them. I checked my credit card and low and behold found the charges. I called my credit card company and they gave me the telephone number to contact My Perfect Credit. I was not able to get anyone live when I called so I got their email address and tried to log on. I had to request that they send me a password. When I logged on I had a balance of $745.00 and apparently they had been disputing not only accurate information but infomation that was not adversely affecting my credit. When I tried to cancel online their cancelation disclaimer was unbelievable. In the disclaimer it stated that by canceling I was agreeing not to dispute any prior charges and I would agree to pay the balance in 30 days and waived all my rights to dispute. (DO NOT CANCEL VIA THEIR WEB SITE)

I sent the support department several emails and their answer was that they ID information and if I do not opt out they automatically dispute the items and charge $6.95 for each item. I was furious and stated that I wanted my account immediately closed but I refused to cancel through their web site. They eventualy canceled my account manually. Luckily I printed my dipspute screen, my billing information along with their terms to prove that they are scammers. The terms clearly idicate that I have to choose the items. I advised them that I refused to pay the balance and wanted a full credit for the monies they charged my card. I read the Rip-off editors response and saw that a law suit had been filed by the CA DA office back in 2003 and just recently settled. I can not believe that even after the law suit and settlement that they continue to rip people off. I have made several reprots to the local new stations who have consumer beware departments. I am going to do everything I can to expose this company for their illegal actions.

Phialdelphia, Pennsylvania

This report was posted on Ripoff Report on 04/20/2006 10:13 AM and is a permanent record located here: 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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#1 UPDATE Employee

MyPerfectCredit Member Support Response

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

POSTED: Sunday, September 17, 2006

If at any time a member has a concern about their membership, wishes to close the account, or request a refund, they may do so by contacting our customer service representatives at or (877) 469-7373. We promise to review your request on a timely basis, and make every effort to resolve all issues.

We stand by our commitment to provide exceptional customer service, and want our members to have a positive experience with MyPerfectCredit.Com. If a member cannot resolve any issue with the first level contact, they can request a second level review of the unresolved issues by e-mailing

MyPerfectCredit Member Support Response

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