- Report: #568323
Complaint Review: Players Vacation Club EClubUSA My Computer Club PVC Corp. - San Diego California
Reported By:
Joshua -
Bingen, Washington, United States of America
Submitted:
Updated:
-
Author Not Confirmed
Why?
Players Vacation Club EClubUSA My Computer Club PVC Corp.
501 W. Broadway Plaza A, Suite 321 San Diego, 92101 California, United States of America
Phone:
877-532-2800
Web:
http://www.mycomputerclub.com/
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
Players Vacation Club ,EClubUSA ,My Computer Club ,PVC Corp. mycomputerclub.com/ Claims to help you build credit, but fails to mention you must remain a member for life. San Diego, California
I've paid every payment on time, not once have I had insufficient funds for a payment. Now that my computer is going to be paid off this month, I called to tell My Computer Club, that I want to cancel my membership. I was then told that if I cancel, they will remove all my payment history from my Transunion credit report. I said, so basically I would have to pay membership fees the rest of my life to keep that payment history on my report?, and the person I talked to said yes that's just how it is. I then called transunion, and asked them if that was legal, and they said it is, and that I can ask MCC to keep the payment history on my report. This is what is on the MCC website:
16. Will my positive payments show up on my credit report?
Yes! We will report your positive payment history to Trans Union. Our program can help to improve your credit score. All positive payments are reported to Trans Union, a major credit agency. A positive payment history can help to build or re-build your credit rating.
This company should add that you will lose all payment history on your Transunion report if you cancel your membership. So unless you want to pay membership fees to them for life, don't bother using them to build your credit.
16. Will my positive payments show up on my credit report? Yes! We will report your positive payment history to Trans Union. Our program can help to improve your credit score. All positive payments are reported to Trans Union, a major credit agency. A positive payment history can help to build or re-build your credit rating.
This company should add that you will lose all payment history on your Transunion report if you cancel your membership. So unless you want to pay membership fees to them for life, don't bother using them to build your credit.
1 Updates & Rebuttals
Corey
san diego,California,
U.S.A.
misunderstanding?
#2UPDATE Employee
Mon, March 29, 2010
It's seems there is a misunderstanding of what happens when canceling the credit line if you have financed through us.
There is no way we can remove payments from a credit report or manipulate it in any way. What happens is the same when canceling any credit card. The account closes and shows as closed. This may or may not create a negative effect on your report since you will have less accounts open on the report. It just depends on your credit history and how much credit you have already.
When a member wants to cancel we want to make sure they understand what may happen with their report so they are not surprised, that's all.
Corey Gautereaux
manager
