Avalon Credit Repair LLC

This will be our last and final response.The items that he has listed below does not apply to our services We did complete his repair with in months.We have clearly explained our process and procedures and everything was communicated to him in great detail We gave him several opportunities to follow our instructions and he chose not to obtain secured credit cards or authorized users If he would have done this, it would have given him active accounts He also chose to terminate the services before the one year was complete.We feel that Mr [redacted] is trying to take advantage of our services We did complete his repair and he now wants a refundSincerely,Avalon Credit

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [First and foremost, no offer of resolution was made by the businessMy proposed action was a full refund, which will resolve my complaintSecond, my concerns have still yet to be addressed by the company.In reference to the information included below, I have evidence that Avalon Credit Repair, LLC has violated both The Credit Services Act of (CivCode §§ et seq.) and The Credit Repair Organizations Act (U.S.C.A§et seq.)This makes our contract void and entitles me to recover actual damages at least equal to the amount paid to Avalon Credit Repair, LLC on the date of April 8, (499.00)CALIFORNIA LAW The Credit Services Act of (CivCode §§ et seq.) DWhat must every CSO do? Complete the agreed services within six months after the date the buyer signs the contract for services(CivCode § 1789.13(b); see CivCode § (a)(3).) EWhat are CSOs not allowed to do? (CivCode §§1789.13, 1789.17, 1789.19(a).) A CSO (or a salesperson, representative, or independent contractor) cannot: Charge or receive any money or other consideration until it has fully performed the agreed services(CivCode § 1789.13(a).) Remove, or assist or advise the buyer to remove, accurate and non-obsolete adverse information from the buyer's credit record(CivCode § 1789.13(e).) GSanctions and Remedies (CivCode §§1789.18,1789.20,1789.21,1789.22,1789.24.) Criminal Sanctions Any violation of any provision of the Act is a misdemeanorThe Attorney General, district attorneys, and city attorneys may prosecute such violations, and may also seek injunctive relief(CivCode § 1789.20.) Civil Remedies aA buyer who is injured by a CSO's violation of the Act or breach of contract may recover actual damages at least equal to the amount paid to the CSO, plus costs and reasonable attorneys feesThe buyer also may obtain injunctive reliefThe court, in its discretion, may award punitive damages(CivCode § 1789.21(a).) FEDERAL LAW The Credit Repair Organizations Act ("federal law") (U.S.C.A§et seq.) DCSOs may not: Charge or receive any money or other consideration before fully performing the services the CSO has agreed to performGNo Waiver of Rights (U.S.C.A§1679f.)A consumer cannot waive the protections provided under the federal lawFurther, any attempt by the CSO to obtain a waiver voids the contractFinally, any contract not in compliance with the federal law is void and rendered unenforceable in both federal and state courtHCivil Liability (U.S.C.A§1679g.)Any person who violates any provision of the federal law is liable for actual damages, punitive damages, and attorneys' fees [redacted] Regards, [redacted]

Thank you for your email
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We began working with Mr*** on April 8, 2015. We had the initial consultation over the phone where I explained our process, what to expect, and what we required from him. Our repair services are for one year
High Credit Scores are generated only from the accounts we have that are reporting “open” , “active” and under 30% of the” limit” status“Active” meaning the account must be used and report a balance Mr*** had only derogatory credit, know open and Active account
We instructed him to be added as an authorized user as well as explained the best credit cards to rebuild his credit.
There were several emails exchanged in November where he was very kind, helpful, and appreciative of our services
On February 3, 2016, we received an email from him stating he was unhappy with the services. We promptly responded to his email notifying him that we have successfully removed 100% of the negative items on his report“ please see Attachment” .. He was unhappy that his scores have not increased. We had sent several emails as well as phone calls giving him instructions on what we needed him to do to help increase his scores
We sent a very detailed email to him on February 16, outlining all that we have completed for him and addressing his concerns, but he never emailed us back
On February 17, 2016, we received a letter from him canceling our services, even thought there was still months left of his one year of service. We stopped his repair per his request
Here the email we sent
Hi ***,
I would like to take this opportunity to review the completion of the credit repair. You hired us to repair your credit, which we have successfully accomplished for you
When you and I first reviewed your credit report together, I explained to you that we only get scores based on open and active accounts. The collection you has was reporting an "open activity" and the date it was opened was April 2014. This would have remained on your credit report for years based on the last activity. But because there was a balance it would have remained on your credit report for years. This was keeping your scores in the low 500'sThis collection has been successfully removed from your report. The only reason we brought this to your attention is because if this was your debt and we removed it, it would eventually come back on your report
As your credit coach, we discussed you obtaining a secured credit card or being added as an authorized user. When you and I reviewed this together in December, you still were not added as an authorized user or obtain a Secured Credit card. Since then, you have obtained an *** *** authorized user, which from the very beginning, I advised this credit card company does not report an authorized user to your credit report. This is why it is not reporting
My suggestion to you is to find another credit card to be added as an authorized user that is not *** ***
You also brought to our attention that you applied for a secured credit card and were turned down. Is it possible you are referring to March 27, 2015? This was the last time your credit report was pulled and there is no new inquiry showing on your credit report. The reason you were turned down is because of the collection and that has been successfully remove because of Avalon credit . Please see below this explains more on how a secured credit card works:
Best Card for Rebuilding Your Credit: *** *** Secured MasterCardIf your credit is more towards the "bad credit" side of the credit score scale (often considered below 600), this card can helpDesigned for those who may not qualify for other credit cards due to past or current credit issues, *** *** *** *** can assist you in rebuilding your creditIt's a secured credit card, or one that requires a security deposit of your funds into an account in order to 'secure' the cardThe minimum deposit for this card is either $49, $or $200, depending upon your credit history and application informationThe minimum credit line is $200, but it can go as high as $3,This card also includes a free credit score tracker that will update you on your score monthly and alert you when your Transunion credit report changesAlthough there are no rewards, by regularly reporting to each of the major credit bureaus this card can help you improve your creditYou just need to do your part by using your card responsibly and making regular and timely card payments
Congratulations !! Your Credit Report is Complete ..
Warm Regards,
*** ***

This will be our last and final responseThe items that he has listed below does not apply to our services. We did complete his repair with in monthsWe have clearly explained our process and procedures and everything was communicated to him in great detail. We gave him several opportunities to follow our instructions and he chose not to obtain secured credit cards or authorized users. If he would have done this, it would have given him active accounts. He also chose to terminate the services before the one year was completeWe feel that Mr*** is trying to take advantage of our services. We did complete his repair and he now wants a refund.
Sincerely,
Avalon Credit

This will be our last and final response.The items that he has listed below does not apply to our services.  We did complete his repair with in 6 months.We have clearly explained our process and procedures and everything was communicated to him in great detail.  We gave him several opportunities to follow our instructions and he chose not to obtain secured credit cards or authorized users.  If he would have done this, it would have given him active accounts.  He also chose to terminate the services before the one year was complete.We feel that Mr. [redacted] is trying to take advantage of our services.  We did complete his repair and he now wants a refund. Sincerely,Avalon Credit

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[First and foremost, no offer of resolution was made by the business. My proposed action was a full refund, which will resolve my complaint. Second, my concerns have still yet to be addressed by the company.In reference to the information included below, I have evidence that Avalon Credit Repair, LLC has violated both The Credit Services Act of 1984 (Civ. Code §§ 1789.10 et seq.) and The Credit Repair Organizations Act (15 U.S.C.A. §1679 et seq.). This makes our contract void and entitles me to recover actual damages at least equal to the amount paid to Avalon Credit Repair, LLC on the date of April 8, 2015 (499.00). CALIFORNIA LAW The Credit Services Act of 1984 (Civ. Code §§ 1789.10 et seq.) D. What must every CSO do? 5. Complete the agreed services within six months after the date the buyer signs the contract for services. (Civ. Code § 1789.13(b); see Civ. Code § 1789.16 (a)(3).) E. What are CSOs not allowed to do? (Civ. Code §§1789.13, 1789.17, 1789.19(a).) A CSO (or a salesperson, representative, or independent contractor) cannot:  1. Charge or receive any money or other consideration until it has fully performed the agreed services. (Civ. Code § 1789.13(a).) 4. Remove, or assist or advise the buyer to remove, accurate and non-obsolete adverse information from the buyer's credit record. (Civ. Code § 1789.13(e).) G. Sanctions and Remedies (Civ. Code §§1789.18,1789.20,1789.21,1789.22,1789.24.)  1. Criminal Sanctions Any violation of any provision of the Act is a misdemeanor. The Attorney General, district attorneys, and city attorneys may prosecute such violations, and may also seek injunctive relief. (Civ. Code § 1789.20.)  2. Civil Remedies a. A buyer who is injured by a CSO's violation of the Act or breach of contract may recover actual damages at least equal to the amount paid to the CSO, plus costs and reasonable attorneys fees. The buyer also may obtain injunctive relief. The court, in its discretion, may award punitive damages. (Civ. Code § 1789.21(a).)  FEDERAL LAW The Credit Repair Organizations Act ("federal law") (15 U.S.C.A. §1679 et seq.) D. CSOs may not:  5. Charge or receive any money or other consideration before fully performing the services the CSO has agreed to perform. G. No Waiver of Rights (15 U.S.C.A. §1679f.)A consumer cannot waive the protections provided under the federal law. Further, any attempt by the CSO to obtain a waiver voids the contract. Finally, any contract not in compliance with the federal law is void and rendered unenforceable in both federal and state court. H. Civil Liability (15 U.S.C.A. §1679g.)Any person who violates any provision of the federal law is liable for actual damages, punitive damages, and attorneys' fees.  
[redacted]
Regards,
[redacted]

Thank you for your email.   We began working with Mr. [redacted] on April 8, 2015.  We had the initial consultation over the phone where I explained our process, what to expect, and what we required from him.  Our repair services are for one year. High Credit Scores are...

generated only from the accounts we have that are reporting “open” , “active” and under 30% of the” limit” status. “Active” meaning the account must be used and report a balance . Mr. [redacted] had only derogatory credit, know open and Active account.. We instructed him to be added as an authorized user as well as explained the best credit cards to rebuild his credit.  There were several emails exchanged in November 2015 where he was very kind, helpful, and appreciative of our services.   On February 3, 2016, we received an email from him stating he was unhappy with the services.  We promptly responded to his email notifying him that we have successfully removed 100% of the negative items on his report. “ please see Attachment” ..  He was unhappy that his scores have not increased.  We had sent several emails as well as phone calls giving him instructions on what we needed him to do to help increase his scores. We sent a very detailed email to him on February 16, 2016 outlining all that we have completed for him and addressing his concerns, but he never emailed us back. On February 17, 2016, we received a letter from him canceling our services, even thought there was still 2 months left of his one year of service.  We stopped his repair per his request. Here the email we sent Hi [redacted], I would like to take this opportunity to review the completion of the credit repair.  You hired us to repair your credit, which we have successfully accomplished for you. When you and I first reviewed your credit report together, I explained to you that we only get scores based on open and active accounts.  The collection you has was reporting an "open activity" and the date it was opened was April 2014.  This would have remained on your credit report for 7 years based on the last activity.  But because there was a balance it would have remained on your credit report for 16 years.  This was keeping your scores in the low 500's. This collection has been successfully removed from your report.  The only reason we brought this to your attention is because if this was your debt and we removed it, it would eventually come back on your report. As your credit coach, we discussed you obtaining a secured credit card or being added as an authorized user.  When you and I reviewed this together in December, you still were not added as an authorized user or obtain a Secured Credit card.  Since then, you have obtained an [redacted] authorized user, which from the very beginning, I advised this credit card company does not report an authorized user to your credit report.  This is why it is not reporting. My suggestion to you is to find another credit card to be added as an authorized user that is not [redacted]. You also brought to our attention that you applied for a secured credit card and were turned down.  Is it possible you are referring to March 27, 2015?  This was the last time your credit report was pulled and there is no new inquiry showing on your credit report.  The reason you were turned down is because of the collection and that has been successfully remove because of Avalon credit .  Please see below this explains more on how a secured credit card works: Best Card for Rebuilding Your Credit: [redacted] Secured MasterCardIf your credit is more towards the "bad credit" side of the credit score scale (often considered below 600), this card can help. Designed for those who may not qualify for other credit cards due to past or current credit issues, [redacted] can assist you in rebuilding your credit. It's a secured credit card, or one that requires a security deposit of your funds into an account in order to 'secure' the card. The minimum deposit for this card is either $49, $99 or $200, depending upon your credit history and application information. The minimum credit line is $200, but it can go as high as $3,000. This card also includes a free credit score tracker that will update you on your score monthly and alert you when your Transunion credit report changes. Although there are no rewards, by regularly reporting to each of the 3 major credit bureaus this card can help you improve your credit. You just need to do your part by using your card responsibly and making regular and timely card payments. Congratulations !! Your Credit Report is Complete .. Warm Regards,[redacted]