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On July 1, 2002 the FTC released notice that D.C. Credit Services, Inc. based in California would have to remove the negative information that they reported against consumers for the previous seven years. Please review the information listed on the FTC website http://www.ftc.gov/opa/2002/07/dccredserv.htm They also tossed one of the owners out of the Debt Collection business for good!

If you review your report and D.C. Credit Services, Inc. is listed on your credit report anytime before July 1, 2002 then you need to send the follow notice to the credit bureaus.

P.O. Box 2104
Allen, TX 75013-2104

1561 E. Orangethorpe
Fullerton, CA 92831

P.O. Box 740256
Atlanta, GA 30374

Re: Credit File under SS#

To Whom It May Concern:
It has been brought to my attention that the Federal Trade Commission ordered D.C. Credit Services, Inc. to remove negative information placed by them on consumer credit reports from the years of 1996 – 2002. I recently reviewed my report and discovered they are still report on my credit report or they illegally altered the date of last activity to appear as if I have recently made activity on this account when I have not.

I do not believe that these items should be listed on my credit file. If you review my report you will see that D.C. Credit Services, Inc. was attempting to collection on a debt for (creditors name here) or purchased a debt from (insert name here) and has this open date and date of last activity (fill in how it is reported on your credit file).

For further use I am attaching the article printed directly from the FTC’s website for your review. I understand that things can be overlooked from time and time and am confident you will comply with the Federal Trade Commissions consent decree.

For identification purposes I am enclosing a copy of my Drivers License and a utility bill.

Thank you for your prompt attention to this matter and I look forward to receiving a copy of my updated credit report within the next 30 days.

Thank you,
Informed Consumer


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Debt Calculator

See how long it will take for your debt to get paid off with one of these four options. We have listed a standard debt amount as a default on the debt calculator. You will need to enter your current personal or business debt amount below to see what your debt payoff amounts will reflect.

What's Best For You: Minimum Payments?

Debt Consolidation?

Credit Counseling? Debt Settlement?
Total Unsecured Debt $30,000.00 $30,000.00 $30,000.00 $30,000.00
Months To
Get Out Of Debt
430 60 60 36
Interest Rate 18.9 % 12 % 10-12% Ave None
Total Interest Paid $49,978.53 $10,040.01 $21,300.00 None
$900.00 $667.33 $855.00 $458.33
Total Cost
To Be Debt Free
$79,978.53 $40,040.01 $51,300.00 $16,500.00
Monthly Payments   Months To Get Out Of Debt   Total Cost To Be Debt Free
Minimum Payments Debt Consolidation Credit Counseling Debt Settlement
Enter Your Debt Information Here:
Your Total
Unsecured Debt:
Your Average
Interest Rate:
Months To
Be Debt Free:


PLEASE NOTE: This calculator gives you an estimate of how much it will cost you to get out of debt, how long it will take and how much your monthly payment may be with the different options to pay off your debt. Keep in mind "Minimum Payments" assumes you NEVER make any further purchases on your credit cards and the credit card companies NEVER raise the interest rate on your cards in the future from the rate calculated above. The "Debt Consolidation Loan" example is usually only possible when taking out an "equity line of credit" or "second mortgage", which involves securing your unsecured debt with your home. This is a very risky option for most people because the home could be foreclosed if you cannot make the payments.