As previous writers have stated: I joined ClearCredit.com for a credit report and monitoring service in May.
At that time I instructed then to take no action on any "fixing" of my credit report unless authorized by me. They responded through email that this was OK and understood by them.
Flash to July 29th of 2005. My wife received our first phone call from 1st Credit of America about $59.95 charge from an account we never heard of before. Luckily I married well and my wife told them we needed more information before we paid anything. Smart lady.
Now, as seems to be the norm here, we are called at least once a day and threatened with bad credit if we don't pay up now. We refused to pay until they can show us that the money is rightly owed to them.
I am writing my first validation request letter this weekend and have sent online complaints to the BBB and my state Attorney General.
It seems that my Clear Credit account was closed, not by me, and this charge was put on my account. Then Clear Credit was sold to My Perfect Credit and in turn, they handed the "delinquent" account over to the thugs at 1st Credit of America.
Not one word of contact; by phone, email or letter during the 2 years this was all taking shape.
Fight the good fight people...
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