What We Do

iCreditCentral.com provides all types of loan products such as credit cards, home mortgages, debt consolidation, auto loans, credit reports, and home equity loans. iCreditCentral.com is not a lender; we are an online financial service referral. iCreditCentral.com informs and advises you the consumer on different credit options available to help you choose the loan that best fits your needs. We work with lenders that are well established and are highly respected in the financial services industry.

iCreditCentral.com is a borrower's marketplace. We provide you, the consumer a connection with the lender. Just having credit isn't enough anymore. You need to know the options available to you, to be sure that you are getting competitive financing. We help consumers make smarter decisions. Our primary goal is to help consumers effectively use credit to get the most of their credit dollar. Your privacy and security is our biggest concern.

On April 5, 2005, our company notified the Better Business Bureau (615.250.1084) and the FBI indicating that we had become aware of newspaper advertising fraud scheme across the country using our Trademarked name (iCreditCentral and Logo) that provides a toll-free number (1-866-258-9780) for consumers to call.

Callers to BBB have identified this ID Theft Ring as "International Financial" at the addresses of 950 Third Avenue & 40 Wall Street in New York, NY. According to the NY Banking Commission, as of April 19, 2005, the company is not registered with that agency to provide loan services.

Scammers have become increasingly sophisticated in creating fraudulent ads that look authentic. These newspaper ads often appear to be from legitimate companies and include images and logos of these organizations. Following are some common characteristics of fraudulent ads:

1. They have an urgent tone.
2. They often have a sense of urgency telling clients that if they fail to act quickly, or verify / confirm their personal or account information, the loan offer will be suspended.
ID Theft Rings typically ask for personal or account information such as:
1. Account numbers
2. Credit and Check Card numbers
3. Social Security Numbers
4. Online banking sign on IDs and passwords
5. Mother's maiden name
6. They ask you to send in fees for "insurance" to secure the "loan"
7. Date of birth
8. Other sensitive information
9. They forward you "loan" documents that appear legitimate.
10. They often include in the ads a legitimate company's name or Web address. Always type Web addresses into your browser instead of sending money to the thieves. Then look for any "ID theft alerts" on the website and follow all the suggestions they advise to capture the thieves -- quickly.
11. They forge legitimate loan officers or employees signatures.
12. The fraudulent ads will disguise or forge the thefts rings real address so they appear to be from a legitimate company.
13. They often use incorrect grammar on their "loan documents".

ID Theft Alert Update - 10:20:42 PM Sun, May 15 2005

Below is one example of the fraudulent newspaper ad that is running across the country. It reads as follows:
"Loans, Loans, Loans
When banks say no, we say yes.
Good or bad credit, we can help!
All types of loans available.
Mortgages, business, personal, car loans, etc.
All approved!
For fast results and no fees call 1-866-406-5550.
Send in $500.00 - $600.00 for "insurance" purposes and get $5000 or more to pay off whatever you need!"


ID Theft Alert Update - 07:25:16 AM Mon, May 23 2005

Consumers have recently reported to us this ID Theft Ring are fictitiously using the name "Pacific Insurance Group" signed "Nathalie Martin". This fictitious insurance company requires $500.00 - $600.00 for "insurance" to secure the "loan". By reporting this scam to THE NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS will create an increased awareness for state insurance departments to enhance their investigation from consumers, insurance producers and employees of insurers concerning this ID Theft Ring and help bring these thieves to justice.



ID Theft Alert Update - 11:14:16 AM Wed, Jun 08 2005

Consumers have recently reported to us they have been asked by this ID Theft Ring to wire the money needed to "secure the loan" to a Western Union location in Canada. We advise anyone who has fell victim to this scam, to please report this crime to the Ontario Provincial Police and the Royal Canadian Mounted Police fraud division located here - PhoneBusters
Canadian Advanced Fee Loan Scam's
Newspaper ads that promise "secured loans" generally appear in classified sections of local and national newspapers, magazines and tabloids.
Remember: simply advertising through recognized US and Canadian media outlets does not ensure the legitimacy of the company behind the ad.
Some Canadian companies claim they can guarantee you a loan even if you have bad credit or no credit. They usually request an up front fee, which may range from hundreds to thousands of dollars. Once you send your money to these Canadian companies, you never get your promised loan and you cannot get your money back. If you cannot get a loan through traditional lending institutions, it is unlikely that you'll get one in response to a classified ad. In most Canadian jurisdictions, it is illegal for a company to request an up front fee prior to obtaining a loan.
Please report this ID Theft Ring to the Ontario Provincial Police and the Royal Canadian Mounted Police fraud division, or if you need more information, contact PhoneBusters:
Website: http://www.phonebusters.com/english/reportit.html
Toll Free: 1-888-495-8501
Email: info@phonebusters.com
If you have fallen victim to this scam, please contact Bert Hubbel Vice President of the Better Business Bureau of Middle Tennessee Directly at: 615.250.1084 to find out what you can do to stop these thieves.

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