Reply
Established Contributor
Posts: 945
Registered: ‎06-13-2008
0

Patriotic Readers Club and CA: "It's Hard Times, INC"

[ Edited ]

Hoping that someone out there has some officer info on these two companies.  It's related to a magazine subscription scam (Patriotic Readers Club) and the collection agency (It's Hard Times) they hired.

 

I've got the address info off of the Secretary of State websites for both (Colorado for the scammers, and Minnesota for the CA), but no information about their officers/directors.  Checking to see if anyone already has this info before I pay for it.

 

Also, I haven't found a single mention of It's Hard Times on the forum - which leads me to believe they're either new, amateurs, or not reporting on credit reports.  They've been around since 2008, so I'm guessing amateurs.  Thoughts?

 

Thanks!

New Member
Posts: 24
Registered: ‎09-04-2010
0

Re: Patriotic Readers Club and CA: "It's Hard Times, INC"

It's Hard Times AKA America's Elite Media.

 

http://www.bbb.org/minnesota/business-reviews/collection-agencies/americas-elite-media-in-minneapoli...

 

Beware. They have a very low BBB rating. It lists the owner as...Owner. lol what a joke this company must be.

 

 


Starting Score: Ex - 545, Eq - 566, TU - 552
Current Score: Ex - 720, Eq - 711, TU - 718
Goal Score: 3 - 850's


Take the FICO Fitness Challenge

Take the FICO Fitness Challenge
Established Contributor
Posts: 945
Registered: ‎06-13-2008
0

Re: Patriotic Readers Club and CA: "It's Hard Times, INC"

typical x-file wrapped in a cover up deep fried in paranoid conspiracy.  The CAs sure conceal their people well.

New Member
Posts: 24
Registered: ‎09-04-2010
0

Re: Patriotic Readers Club and CA: "It's Hard Times, INC"

That made me laugh.

 

They have to or they would have local people beating down thier doors tryin to open up a can of ......

 

Granted nobody likes dealing w/ CA's but they are just doing their job. No different than a police officer arresting you or writing you a ticket for something that you did.

 

I have recently had nothing but good if not exceptional experiences with some CA's. I always try and discuss like the weather or sports or asking how their day is going. This may sound corny as all getout but you would be suprised at the night and day difference in response you get from dealing with these people. Remember, Garbage in...Garbage out.

You get what you give.

 

This company may be questionable at best but if they are trying to collect a debt you will either have to deal with them or another CA or wait 7 years.

 

 


Starting Score: Ex - 545, Eq - 566, TU - 552
Current Score: Ex - 720, Eq - 711, TU - 718
Goal Score: 3 - 850's


Take the FICO Fitness Challenge

Take the FICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.