BBB Business Review

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This business is not BBB accredited.

Innovative Direct, Inc.

Additional Locations

Phone: (301) 731-0993 Fax: (301) 459-4405 View Additional Phone Numbers 4501 Forbes Blvd, Lanham, MD 20706

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BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for Innovative Direct, Inc. include:

  • Failure to respond to 1 complaint(s) filed against business

Factors that raised the rating for Innovative Direct, Inc. include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size

Customer Complaints Summary Read complaint details

1 complaint closed with BBB in last 3 years | 1 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 1
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 0
Total Closed Complaints 1

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Innovative Direct, Inc.
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: January 01, 1986 Business started: 10/19/1983
Type of Entity


Business Management
Mr. Michael J. Cassells, President
Contact Information
Principal: Mr. Michael J. Cassells, President
Business Category

Credit Cards - Protection Service Credit Services Advertising - Direct Mail Credit Cards & Plans

Alternate Business Names
Cardholder Services Credit Card Protection Agency Inc. Credit Monitoring Service CreditView Home Value Services ID OCI PReferred Cardholder Division New VISA and MASTERCARD Department
Additional Information

Innovative Direct (ID) formerly operated as Credit Card Protection Agency. According to information provided by the company, it provides credit card protection services. ID states it notifies card issuing companies of loss or theft of credit cards, helps to obtain replacement cards and provides $100.00 in emergency replacement funds.

ID promotes its services by sending prospective customers a check as an incentive to enroll in its credit card protection service. The check advises the recipient that upon listing a major credit card on the back, signing & cashing the check, the recipient is enrolling in the service. The firm's annual fee of $95 is then billed in its entirety to the credit card number. This service renewal will continue to bill annually unless the customer notifies the company of cancellation. ID states that members may cancel at any time and keep the incentive check.

This type of "negative option" requires the customer to actively intervene in the automatic annual renewal of services in order to stop payments. As always, consumers are advised to review credit card statements for charges on all statements to verify what they are choosing to authorize.


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.