Complaint / Review
1st Credit Of America, myperfectcredit.com
Ripoff, unauthorized charges, credit collectors calling me

I will let the numerous entries speak for themselves. I, too, have fallen victom to the MyPerfectCredit.com scam. Their thug credit collectors 1st Credit of America hound me day and night. However, they messed with the wrong person. They've violated my rights under the Fair Debt Collection Practices Act of 1977 by refusing to send me written documentation of this debt and how I can dispute it if I believe it to not be true. Law says they have to send such letter to me within 5 days of first contact. They also try to collect more than the alleged debt that I owe. MyPerfectCredit.com claims that I owe $136.80 for charges they assessed 7 days AFTER I called and canceled. 1St Credit says I owe $180, but if I pay right there over the phone, I'll get a discount and only owe $130."Anna" at 1st Credit of America told me so when she so kindly called my home on 7/23/05.

An attorney (my uncle) is reviewing my documentation and will send a letter to the FCC and state Attorney General. My first cousin is a senator, so I am sure the right people can be called. I am fighting back!!! These people violate consumer rights and now they've messed with the wrong person.