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  • Report:  #151461

Complaint Review: MY PERFECT CREDIT - MyPerfectCredit.com - Val-U-Corp - 1st Credit of America - Carson City Nevada

Reported By:
- Stockton, California,
Submitted:
Updated:

MY PERFECT CREDIT - MyPerfectCredit.com - Val-U-Corp - 1st Credit of America
1805 N. Carson Street, #419 Carson City, 89701 Nevada, U.S.A.
Phone:
877-469-7373
Web:
N/A
Categories:
Tell us has your experience with this business or person been good? What's this?
In March of 2005 I signed up for a free credit report and services from MyPerfectCredit.com. I was supposed to receive an User ID and Password via email so I could sign in. That information never arrived in my email. I called on March 14, 2005 and asked where that information was and they said they would send it. It never arrived.

On April 6, 2005 my debt card was assessed a charge of $30 by MyPerfectCredit.com. I called customer service on April 10 and spoke with a service rep. and explained the situation. She said she would send me a cancellation/refeund request via email and my refund would be processed within 24 to 48 hours. I did not receive the cancellation notice.

On April 14, 2005 I called again and requested a cancellation/refund. I was told where to retrieve the request online. I immediately filled out the request, submitted it with the information listed above and I was promptly REFUNDED the $30 that was charged to my account.

On July 20, 2005 I was contacted by 1st Credit of America regarding a debt of $165.65 that I owe to MyPerfectCredit.com. I was told that I needed to pay the debt or it would be attached to my credit report. I explained the series of events and they directed me to contact MyPerfectCredit.com.

I immediately contacted MyPerfectCredit.com and the customer service rep said that she was unable to help me at Level 1 support, but she did provide me with the confirmation numbers of the phone calls that I had made. She said that only Level 2 support could help me. I asked to be transfered to Level 2 support and she said she had no way of transferring or contact them. I had to contact them via email. I asked her what I should do in the meantime and she said that in order to dispute the debt I had to do it through 1st Credit of America.

I called 1st Credit of America back and they told me they had no dispute process in place and that collection would continue until such time that MyPerfectCredit.com informed them otherwise.

On July 21 I sent both organizations a letter outlining the details above and included a copy of the cancellation that I had submitted to the company on April 14. I have given them 5 business days to resolve the matter, at which time I will take legal action against both companies.

To date, July 27, I have received nothing in writing from either company, including a correction, a validation of the debt, nothing. I spoke with Ms. Bullard at 1st Credit of America (1-866-505-8249) and attempted to explain where I was and asked her to stop calling until this was resolved. She immediately asked "Are you refusing to pay this debt?" and I told her "of course." She then stated that the telephone calls would continue until I paid the debt.

Here's the great challenge of this. MyPerfectCredit.com is a Nevada Corporation, which means that the organization does not reside in Nevada. The physical address given on the website for MyPerfectCredit is actually a company called Val-U-Corp a Nevada Incorporation Service. The fax number of (425) 977-8729 is in Bellvue Washington. The company is governend by the laws of the State of California and arbitration takes place in Orange County California. Does anyone know where these guys have actually set up shop?

STAY AWAY FROM MY PERFECT CREDIT!

At the end of this week if I have not resolved this matter with them, I will be contacting the BBB, FTC, local news organizations and a lawyer. If it becomes a legal case, I will be seeking a substantial punitive judgement.

Eric

Stockton, California
U.S.A.


13 Updates & Rebuttals

Tom

Grand Rapids,
Michigan,
U.S.A.
Harris digital publishing. jean harris, Customer care , Cyberspace to paradise , Net detective

#2Consumer Comment

Fri, March 23, 2007

Wow, the more I learn about this company/companies the slimier it gets. I too have been a victim of Harris Ditital publishing/Customer care dot com/Cyberspace to paradise, inc./jean harris(not a real person I've heard)/Net detective/others(will the real owner please stand up)Is this a vieled threat by the employee above? It sure looks like it. The question is not wether they honor their money back guarantee, it is why they mislead people to purchase their product in the first place. A guarantee does not forgive dishonest advertising. I've read somewhere that only 4% will bother to request a refund, and it is probably less because of the complicated process and the five page refund form. This is highly profitable for (dang, I'm not sure which name to put down, there's so many)


Rachelle

Carson City,
Nevada,
U.S.A.
MyPerfectCredit Rebuttal

#3UPDATE Employee

Tue, September 12, 2006

MyPerfectCredit makes every attempt to clearly identify any customers who may post to this site. Should the individual contact us and simply explain why they are disputing any balance or request a one time credit waiver, MyPerfectCredit will be very responsive to the request. 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 [email protected] 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 [email protected].


Carol Ann

Las Vegas,
Nevada,
U.S.A.
Do any of then Ever Quit?

#4Consumer Comment

Tue, June 27, 2006

This sounds like Century Recovery and Systems of 702-944-411. These people do NOT practice Constitutional Law and tend to get away with everything they Think is right, without Color of law. You might try to report them to IRS Fraud. download form 3949, make a copy of it and send it to them by certified mail! You will recieve a Reward for yur troubles if improprieties are found!


Carol Ann

Las Vegas,
Nevada,
U.S.A.
Do any of then Ever Quit?

#5Consumer Comment

Tue, June 27, 2006

This sounds like Century Recovery and Systems of 702-944-411. These people do NOT practice Constitutional Law and tend to get away with everything they Think is right, without Color of law. You might try to report them to IRS Fraud. download form 3949, make a copy of it and send it to them by certified mail! You will recieve a Reward for yur troubles if improprieties are found!


Carol Ann

Las Vegas,
Nevada,
U.S.A.
Do any of then Ever Quit?

#6Consumer Comment

Tue, June 27, 2006

This sounds like Century Recovery and Systems of 702-944-411. These people do NOT practice Constitutional Law and tend to get away with everything they Think is right, without Color of law. You might try to report them to IRS Fraud. download form 3949, make a copy of it and send it to them by certified mail! You will recieve a Reward for yur troubles if improprieties are found!


Carol Ann

Las Vegas,
Nevada,
U.S.A.
Do any of then Ever Quit?

#7Consumer Comment

Tue, June 27, 2006

This sounds like Century Recovery and Systems of 702-944-411. These people do NOT practice Constitutional Law and tend to get away with everything they Think is right, without Color of law. You might try to report them to IRS Fraud. download form 3949, make a copy of it and send it to them by certified mail! You will recieve a Reward for yur troubles if improprieties are found!


Eric

Stockton,
California,
U.S.A.
Brand Interactive/Carson Mail Depot not involved

#8Author of original report

Fri, July 29, 2005

I spoke with Grayson Gold, CEO of Brand Interactives, LLC as well as Bill Horne of Carson Mail Depot. They have been extremely helpful in resolving this matter with MyPerfectCredit.com. First, neither Brand Interactives nor Carson Mail Depot have anything to do with MyPerfectCredit.com. This lead to both companies was an erronous lead provided by the Nevada State Attorney General's Office. I retract any and all claims made against either company and would ask Ripoff.com to remove the contact information for both organizations ASAP. If that is not possible, I would encourage all to no contact them. They have assured me that they are not involved with this organization. My apologies to both Brand Interactives and Carson Mail Depot and my thanks to both companies for their assistance in tracking down the owners of MyPerfectCredit.com


Eric

Stockton,
California,
U.S.A.
Harris Digital Publishing Phone Number

#9Author of original report

Fri, July 29, 2005

Harris Digital Publishing may in fact be the parent company of the entire operation. They are the owners of the "Clean Credit" system. Upon clicking on the link for Clean Credit, you can scroll to the bottom and they provide you with a link to MyPefectCredit.com There are no phone numbers, only a fax number on the website for Harris Digital Publishing. However, I was able to dig up a phone number 386-736-3881. This is the FIRST real phone number that I have been able to discover for this company. And it works too. And then I found the parent company. CTP or Cyberspace to Paradise Inc. CYBERSPACE TO PARADISE, INC. PRINCIPAL ADDRESS 1392 SOUTH WOODLAND BOULEVARD DELAND FL 32720 Changed 03/25/2002 MAILING ADDRESS 1392 SOUTH WOODLAND BOULEVARD DELAND FL 32720 Changed 03/25/2002 Document Number P00000025712 FEI Number 593633111 Date Filed 03/06/2000 State FL Status ACTIVE Effective Date NONE Registered Agent Name & Address STANLEY, DEBORAH J 1392 SOUTH WOODLAND BOULEVARD DELAND FL 32720 Address Changed: 04/22/2002 Officer/Director Detail Name & Address Title STANLEY, DEBORAH J 909 MCGREGOR RD DELAND FL 32720 P STANLEY, JOHN 909MCGREGOR RD DELAND FL 32720 V ADAMS, SCOTT 303 REEVES STREET CELEBRATION FL 34747 COO 07/04/04 15:01:47 IP block 65.248.171.18 Trying 65.248.171.18 at ARIN Trying 65.248.171 at ARIN UUNET Technologies, Inc. UUNET65-2 (NET-65-240-0-0-1) 65.240.0.0 - 65.253.255.255 CYBERSPACE TO PARADISE, INC UU-65-248-171 (NET-65-248-171-0-1) 65.248.171.0 - 65.248.171.255 OrgName: CYBERSPACE TO PARADISE, INC OrgID: CTP-11 Address: 605 Crescent Executive Ct Address: Suite 300 Address: Room 65 City: Lake Mary StateProv: FL PostalCode: 32746-2104 Country: US NetRange: 65.248.171.0 - 65.248.171.255 CIDR: 65.248.171.0/24 NetName: UU-65-248-171 NetHandle: NET-65-248-171-0-1 Parent: NET-65-240-0-0-1 NetType: Reassigned Comment: Addresses within this block are non-portable. RegDate: 2003-04-04 Updated: 2003-04-04 OrgTechHandle: CCA9-ARIN OrgTechName: Campbell, Christian OrgTechPhone: +1-407-772-0674 OrgTechEmail: [email protected] Registration Service Provided By: eNom, Inc. Contact: [email protected] Visit: Domain name: cyberdetective.net Administrative Contact: Cyberspace to Paradise, Inc. Christian Campbell ([email protected]) +1.3867363881 Fax: +1.3867363882 1392 South Woodland Blvd DeLand, FL 32720 US Billing Contact: Cyberspace to Paradise, Inc. Christian Campbell ([email protected]) +1.3867363881 Fax: +1.3867363882 1392 South Woodland Blvd DeLand, FL 32720 US Technical Contact: Cyberspace to Paradise, Inc. Christian Campbell ([email protected]) +1.3867363881 Fax: +1.3867363882 1392 South Woodland Blvd DeLand, FL 32720 US Registrant Contact: Cyberspace to Paradise, Inc. Christian Campbell ([email protected]) +1.3867363881 Fax: +1.3867363882 1392 South Woodland Blvd DeLand, FL 32720 US Status: Active Name Servers: dns1.name-services.com dns2.name-services.com dns3.name-services.com dns4.name-services.com dns5.name-services.com Creation date: 05 Sep 1998 00:00:00 Expiration date: 04 Sep 2004 00:00:00


Eric

Stockton,
California,
U.S.A.
The Clearcredit.com/Myperfectcredit.com tie

#10Author of original report

Thu, July 28, 2005

I have dug even further into the mystery of Myperfectcredit.com and Clearcredit.com and have come up with the person who owns the domain for Clearcredit.com. Polnick, Chris [email protected] 365 Egde Road Parsippany, NJ 07054 Phone: 2019532389 This website is hosted by NetworkSolutions and the above information is public information.


Eric

Stockton,
California,
U.S.A.
Brand Interactive

#11Author of original report

Thu, July 28, 2005

I have been doing tremendous amounts of research into MyPerfectCredit.com. One of its sister organizations is a company called "Brand Interactive" (www.brandinteractive.com) Brand Interactive LLC 1805 N. Carson Street Suite 17 Carson City NV, 89701 775-841-9096 Interestingly, they have the same mailbox service as MyPerfectCredit.com. The principles for Brand Interactive are: Grayson Gold - CEO/Co-Founder Katayoun Pooya - President/Co-Founder Cary Etcheverry - Chief Technology Officer Jayla Lee - Marketing Director This is a list of the companies that Brand Interactive owns and operates, including MyPerfectCredit.com AutoWarrantyExtension.com TotalLoanFinder.com Eleadz.com CreditImprove.com NationwideTaxAid.com Nationwidecashadvance.com Premier-debtconsolidation.com icleancredit.com nationwidecreditaid.com It appears that these four people are the primary people involved with the MyPerfectCredit scam.


Eric

Stockton,
California,
U.S.A.
The address listed by MyPerfectCredit belongs to Carson Mail Depot.

#12Author of original report

Thu, July 28, 2005

Below is the information of the owner of this company. He may be unwittingly involved with the scam, but he knows who the owner of the mailbox is. Call and get him to cough up the information. CARSON MAIL DEPOT BILL HORNE 1805 N CARSON STREET CARSON CITY, NV 89701 Telephone: 775-884-4748 Toll Free: 800-702-4748 Fax: 775-884-4211 Email: [email protected]


Eric

Stockton,
California,
U.S.A.
Nevada Attorney General this company is under investigation

#13Author of original report

Wed, July 27, 2005

I just spoke with John McGlamerie, Deputy Attorney General for the State of Nevada. Mr. McGlamerie gave extremely valuable information regarding MyPerfectCredit.com. First he told me that this company is under investigation. He has subpeoned several addresses and while he could not give me the details, he did say they now know that MyPerfectCredit is in Irvine, CA. The following websites are part of the same organization. Cleancredit.com Clearcredit.com I Spy Offers NetDetective.com Brands Interactive The people associated with this organization are Greg Ward, CA Aaron Jones, CA The company has ties in Chicago, IL, which happnens to be the same location as 1st Credit of America. Every address and all of the fax number and the phone numbers for MyPerfectCredit.com are all mail box services, fax services and answering services. The people that you talk to at the 877 number, have no idea what is going on. Mr. McGlamerie directed me to file a complaint with the Federal Trade Commission (www.ftc.gov), with the Nevada State Consumer Affairs Bureau and to contact the California Attorney General's Office (www.ag.ca.gov) If those of you who have been scammed will do each of these things, California, Nevada and the Federal government will go after these guys.


Jennifer

Long Beach,
California,
U.S.A.
Heres what you do!!!

#14Consumer Suggestion

Wed, July 27, 2005

I was reading your story and sounds a whole lot like mine....On mine a lady suggested that I go to www.bendover.com (sorry rip-off report) then go to power search. type in Fair Debt Collection Practices. It will then take you to "How to fire the debt collector" it works!!!! They can't put anything on your credit. Good Luck.

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