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Credit Bureau Center, LLC (formerly known as MyScore LLC)

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Last Updated

April 4, 2022

Federal Trade Commission, Plaintiff, v. Credit Bureau Center, LLC, a limited liability company, formerly known as MyScore LLC, also doing business as eFreeScore.com, CreditUpdates.com, and FreeCreditNation.com; Michael Brown; Danny Pierce; and Andrew Lloyd, Defendants.

FTC Matter/File Number

162 3120

X170014

Civil Action Number

17-cv-00194

Enforcement Type

Federal Injunctions

Federal Court

Northern District of Illinois

Case Summary

A federal judge has ordered Credit Bureau Center, LLC and its owner, Michael Brown, to pay more than $5.2 million to return to consumers, to resolve FTC charges that they deceived people with fake rental property ads and deceptive promises of “free” credit reports, and then tricked them into enrolling into a costly monthly credit monitoring service.

Case Timeline

August 30, 2023

US Court of Appeals Seventh Circuit Opinion and Order (179.34 KB)

April 4, 2022

FTC v. Credit Bureau Center (7th Cir.) Brief of the FTC, 21-2945 (436.4 KB)

September 13, 2021

Memorandum Opinion and Order of the US District Court (244.43 KB)

December 19, 2019

Federal Trade Commission’s Petition for a Writ of Certioriari before the United States Supreme Court (880.51 KB)

December 19, 2019

Federal Trade Commission v. Credit Bureau Center, LLC and Michael Brown (S. Ct.), FTC Petition for Certiorari, 18-2847 (153.64 KB)

March 12, 2019

Federal Trade Commission v. Credit Bureau Center, LLC (7th Cir.), Brief of the FTC, 18-2847, 18-3310 (2.17 MB)

January 2, 2019

Federal Trade Commission v. Credit Bureau Center, LLC (7th Cir), Opposition of the Federal Trade Commission to Motion for Stay of Judgment Pending Appeal, 18-2847, 18-1330 (245.44 KB)

July 5, 2018

Memorandum Opinion and Order of the United States District Court (679.12 KB)

Final Judgment and Order for Permanent Injunction and Other Equitable Relief Against Defendants Credit Bureau Center, LLC and Michael Brown issued by the United States District Court (154.51 KB)

PRESS RELEASE: FTC Wins $5.2 Million Judgment against Defendants Who Tricked Consumers with Ads for Non-existent Rental Properties and 'Free' Credit Reports

January 14, 2018

Order on Defendants’ Motion to Modify Preliminary Injunction, Plaintiff’s Motion to Strike Jury Demand, and Defendants’ Petition for Attorney’s Fees (87.97 KB)

October 30, 2017

Stipulated Order for Permanent Injunction and Monetary Judgment as to Defendants Danny Pierce and Andrew Lloyd (472.89 KB)

PRESS RELEASE: FTC Obtains Court Order against Deceptive Marketers Who Tricked Consumers with Ads for Non-existent Rental Properties and ‘Free’ Credit Reports

July 18, 2017

Order Holding Defendant Michael Brown in Civil Contempt (49.14 KB)

February 21, 2017

Memorandum Opinion and Order Granting FTC’s Motion for Preliminary Injunction (75.62 KB)

Preliminary Injunction as to Defendants Credit Bureau Center, LLC and Michael Brown (126.85 KB)

February 8, 2017

Stipulated Preliminary Injunction as to Defendants Danny Pierce and Andrew Lloyd (99.83 KB)

January 18, 2017

Complaint for Permanent Injunction and Other Equitable Relief (1.77 MB)

Plaintiff’s Memorandum in Support of Its Ex Parte Motion for a Temporary Restraining Order With Asset Freeze, Appointment of a Receiver, Other Equitable Relief, and Order to Show Cause Why a Preliminary Injunction Should Not Issue (933.9 KB)

Order (817.94 KB)

PRESS RELEASE: FTC Halts Scheme That Advertised Phony Rental Properties and ‘Free’ Credit Reports to Enroll Consumers in Costly Credit Monitoring Service