Ultimately my goal on RipOffReport is to specifically state my findings. Before entering into any business relation i always perform a rigorous due dilligence to prevent fraud. AGAIN THIS IS FOR INFORMATIONAL PURPOSES ONLY AND ONLY WANT TO GIVE YOU THE OPPORTUNITY TO DO THE HOMEWORK LIKE I DID.

One of the First things i noticed when this website went up was that it was a direct COPY of CompaniesInc.com. This includes website layout,additional services/products offered, all incorporation information, business credit information even down to the privacy policy. I had noticed the similiarties when reading over the business credit section.

I contacted companies incorporated and asked them if there was any affiliation what so ever. they denied an affiliation. apparantly the copywrite (im assuming) is unlawful and unauthorized. Apparantly copywrite infringment is widely out of control in today internet marketplace. Anyone can steal information and use it as their own.

Nonetheless i did a company search on owners and operators. Jeffrey maziarz is listed on the nevada secretary of states Website as current owner. i performed a search on jeffrey maziarz on google and noticed several rip off reports filed on a company called Direct credit advantage im not sure if these other companies were created to cover up the isuses that direct credit advantage had or what. again im just speculating .

On goriskfree.com Directcreditadvantage.com and quickbizcredit.com are listed specifically as perferred lendors.( jeff maziarz is listed on both secretaries of states as managers and owners. im confused why quickbizcredit.com goriskfree.com and directcreditadvantage.com all ring into the same office. i called both number and the same people pick up responding with Two different names...? it just makes me a little nervous why two different websites offering the same services have different names. it seems as goriskfree is doing all the advertising.

it seems that the ripoffreports filed before were by companiesinc.. im sure copying of their website will in turn cause additional problems.

the next problem is deceptive advertising (example craigslist add below)

'4 Year Shelf Corp. (usa)

Reply to: see below
Date: 2008-09-22, 4:04PM EDT

Currently, we have a 4 year shelf corp with up to 4 - $100,000 in lines-of-credit.

Complete Business Credit Package Included – Generating all scores, and ratings!
Complete re-structure of ownership, and officers to fit your needs.
Access to Relationship manager every step of the way.

Get what you need today!

i called the office and asked about what types of funding options are available and i was told i could recieve up to 5 100k Lines of credit and secured funding of 1 million dollars..
do understand i am an HARDCORE wallstreet journal junkie who lives to understand the everchanging financial market. When i asked what banks were included in these unsecured lines i was told we would be dealing with traditional banks chase, wachovia, bank of america ect...

i contacted several of these banks personally through lending sources i acquired in the past and it seems right now the lending market is completely clogged. banks are being sold money is not being lent. when i mentioned this information i was met with a rebuttal stating they have over 200 preferred lendors whom can basically guarantee funding with a fico of 680 or higher. the only catch is i have to spent 10's of thousands of dollars.

directcreditadvantage.com states(direct from website)
'''''Referrals to Brokers that provide No Doc Credit for Unsecured lines of up to $500,000
Plan 1 - Plan 4

Referrals to Brokers that provide (all stated) Credit Application for secured lines of up to $4,000,000 Plan 1 - Plan 3
Referrals Credit to National Vendors (Like Staples) Plan 1 - Plan 6
Referrals for request for funding sent to over 200 brokers Plan 1 - Plan 5
Corporate Credit Card Applications for unsecured lines with major credit card companies Plan 1 - Plan 5 ''''''

1. No Doc Credit checks mean ( no financials/ P&L statements ect) unfortunately with todays market place banks cant take on the risk of a company not making money. Right now Banks are mandatorily requiring either financials, P&L's or 4506 tax income verification forms. Very rarely will you ever find success getting a BLOC *bank line of credit* without making any money ( ESPECIALLY RIGHT NOW )

on a positive goriskfree.com is very informative. that information 'SEEMS' to be unfortunately based on stolen web material from a company thats much more established. goriskfree.com was started (listed on nevada SOS website)

Action Type: Articles of Incorporation
Document Number: 20070852128-45 # of Pages: 1
File Date: 12/17/2007 Effective Date:

so basically less than a year old

goriskfree.com less than one year old? coincidence hmmmm?

this was basically brought to my attention when friend of mine was contemplating establishing a business credit profile/buying a company. He called to let me know that the contracts from both companies were exactly the same just with a different header In turn sparking my curiosity.

I hope this article has been informative..
These were my findings

1. all three companies had some people picking the telephone up
2. speculating stolen website/content from companies inc (copied website)
3. deceptive sales practices using unreal lending advertising enticing customers to purchase based on soles being funded.
4. unknowledgeable sales staff when asked specific funding related and economic questions.

oh one more thing. these companies promise and EXPERIAN CREDIT PROFILE. Experien does not work like Dun & Bradstreet in which information can be freely reported. i spoke to experien yesterday in which a rep stated that they build the profile themselves. We can not PHYSICALLY Report information in.

i conclude that these other companies were started to take the heat off of some other ripoffreport comments on direct credit advantage. again im just speculating. My intuition serves as my ultimate decision maker. in this case im nervous and not impressed. I HOPE AGAIN THIS LISTING HAS BEEN INFORMATIVE. ANY FEEDBACK IS WELCOME!

John
fort lauderdale, Florida
U.S.A.