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April 01, 2014

LITTLE ROCK – Attorney General Dustin McDaniel filed a petition in Pulaski County Circuit Court today seeking to compel an out-of-state “credit repair” company to respond to McDaniel’s requests for information about that company’s business practices.
McDaniel asked the court to prohibit CMCS Services LLC from doing any business in Arkansas until it responds to a Civil Investigative Demand issued by the Attorney General’s Consumer Protection Division in December.

(Click here to view the Petition to Enforce Civil Investigative Demand)
CMCS, based in Fort Worth, Texas, is responsible for signs located throughout central Arkansas advertising a “100 percent guarantee” to repair bad credit. However, most companies that make such promises do little to help a consumer in need of assistance.
“Most so-called credit repair companies are great at accepting a consumer’s money, but not much else,” McDaniel said. “My office would like to be able to determine whether this company is like many of the rest, but thus far, the company has been unwilling to cooperate with our investigation. I am hopeful that a court order will assist us as we continue our work on behalf of Arkansas consumers.”
CMCS pledges on its website that it will “remove negative information” from credit scores, although McDaniel noted that there is really no easy or quick way to repair accurate negative credit history. The best approach to restoring good credit is through timely payments of credit balances.
McDaniel reminded Arkansas consumers that consumers themselves can do almost anything that a credit repair organization can do, usually at little or no cost.