My experience is very similar to the other person's. I joined My Credit Group on 10/9/08. I payed the $99.00 fee upfront, then the $59.00 monthly fee began about two weeks later. During that initial call, I was told that a client representative would call me (at a designated time) on the following Monday to discuss my credit repair plan. No one called. Two days later, I called to ask why I hadn't been contacted. I was transferred to someone named John, who went over all of the items in my credit report with me. We talked about which ones were valid and which were disputable. He indicated that he would immediately send out dispute letters and contact the valid companies to begin settlement discussions. He said that I should look for notices from the credit reporting agencies within 45 days.
On January 15, I still had not received a single response from a credit agency. Nor did I receive any correspondence from debtors about settlement discussions. I contacted My Credit Group, and was (again) transferred to John. He said that all of the dispute letters were sent out and that since I hadn't received any correspondence, the credit agencies were required to remove negative items. He said that he would send the required paperwork. Feeling very happy, I completely forgot to ask about the settlement discussions with the valid creditors.
On March 16, I checked my credit report. NONE of the disputed items had been removed. I immediately called My Credit Group to cancel my membership subscription. I spoke with a woman (whose name I didn't get), who said "she was happy to cancel my account." Feeling like an idiot for spending hundreds of dollars for nothing, I was at least satisfied that the whole ordeal was over.
On March 18 (today), I checked my bank account balance. Sure enough, My Credit Group used my debit card # to charge their monthly $59.00 fee, despite the assurance that my account was cancelled.
Since I joined this scam of a company, I have paid $453.00 FOR NOTHING. I will be contacting them as soon as they open today. If I do not receive a full refund, I will contact the Better Business Bureau in addition to this complaint.
Don't waste your time or your money on these jerks!
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