Collection Response, Inc.

According to the company's advertising, they claim to have the ability to remove or delete negative credit entries from credit reports. Because the company advertises a money back guarantee, we conclude they are asking consumers for fees in advance of providing services. In California, credit service companies may not collect fees in advance of providing services. This company's principal, Aaron Jones, previously owned or operated CRI, AKA Credit Recovery Inc. CRI also offered credit repair services, and earned an unsatisfactory rating with the Better Business Bureau for failure to fullfill contractural obligations to clients. A separate report is available upon request

We urge careful consideration of this company's offer. By law, accurate information stays on your credit report for seven to ten years. Accurate negative information can only be removed by with cooperation of your creditors, and this usually involves paying all or some of the debt. In some cases, while in dispute, the credit bureau may remove negative items from your credit file, but in the event that those items are verified as valid by the credit bureau they will be reinstated on your credit file. Any company offering to assist you in modifying, correcting, or improving your credit report may not take money in advance before performing services, for any reason, even as a deposit. Also, the services must be performed within 6 months of the contract date and the contract must contain a five day cancellation clause as required by law. The contract must also include a detailed list of the specific services to be performed. If you believe your credit report contains erroneous information, you may dispute the entry by calling or writing to the credit bureau.

On October 12, 2004, we wrote this company requesting substantiation of advertising claims, background business information, and evidence of State required licensing pursuant to the California Credit Services Act(CCSA). The CCSA requires companies advertising credit repair services to register with the Attorney General and post a $100,000 bond. As of our last verification on October 12, 2004, this company was not registered with the Department of Justice as a credit services company. For the most up to date registration and bonding information contact the Attorney General's office by calling, (916) 322-3360.