I recently disputed items on my credit report, only to receive this hateful letter from American Credit Educators. I ordered this credit card and activated it; the Visa card I received was from United Credit National Bank in South Dakota. I recently found out they have gone out of business, only to be taken over by another consumer unfriendly company called Household Credit Services. United had given me a credit for the Ace kit which was rediculously priced at $300.95 and I returned the kit to Ace in Colorado with a request to close my credit card account.
Then three years later, Ace shows up on my credit report and I start receiving bills for $300.95. I called the number on the bill and the person on the other end told me I had to prove that I returned the Ace kit to them; otherwise they could consider giving me a settlement on the account. I am advising everyone who has been solicited not to pay this company and they will eventually go out of business.
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