11 Customer Reviews
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Review from David V
1 star04/27/2024
Worst credit company, closed my account without any notofication even though I was positive with them. They closed my account for 6 months inactivity, not fair!! They take points from my credit scores for this..do not engage with them..Review from Tyler H
1 star05/16/2023
Randomly got a very muffled, rushed and unclear voicemail where I couldn't even hear the company or caller's name, stating "we are working on behalf of your mortgage company and we need additional information" and listed a random "file number" that I would "provide to anyone". If that were the case, my mortgage company who I have talked to multiple in the last 2 days would be asking me. These scams are getting ridiculous nowadays.Review from Candy D
1 star10/12/2022
I have been working very hard on my credit. I just checked my report and this company had pulled my credit which as a hard pull. I do not even know what this is!!! I would like this removed ASAP!! Or I will be taking this to my attorney!
Credit Plus, Inc. Response
10/19/2022
Dear***********,
Xactus, is a "reseller" of credit information and provides credit report information from the 3 credit bureaus at the request of our mortgage company clients per the Fair Credit Reporting Act guidelines. Please be advised that Credit Plus, Universal Credit Services, Avantus LLC, CIS Credit Solutions, DataFacts Lending Solutions and UniversalCIS have all become part of a larger company, Xactus, LLC. We provide this information to explain why this response may appear to come from a company other than the company that you contacted. If you would like more information on who may have pulled your credit, please contact our Disputes Processors at ********@xactus.com or XXX-XXX-XXXX ext 1800 or if you have any further questions or concerns.Review from Ashley K
1 star03/13/2022
I received an email that they attempted to run a credit check on me without my consent. I have no idea how they obtained my information, luckily I have my credit locked so they didn't see anything. I emailed them letting them know someone fraudulently ran my credit but didn't hear back.Credit Plus, Inc. Response
03/16/2022
Dear ****** *****
Thank you for reaching out regarding this issue. According to our records you spoke with us on 3/14/22 via telephone on this issue which confirmed the information and made you aware of the inquiry attempt via our mortgage company client. If you have any further questions or concerns please contact our disputes department directly at ****************@creditplus.com or via toll free 800-258-3488 ext *****Review from David C
1 star03/10/2022
Called twice about the same time two days in a row. I answer and it is just dead air. Nobody on the line.Credit Plus, Inc. Response
03/15/2022
Dear ***** ********
Thank you for reaching out. My apologies for any issue you've had thus far. The best number to call for a Credit Plus concern would be 800-258-3488 between the hours of 8am to 8pm eastern time. If you are calling in regarding a customer service supplement issue the best extension is 1400. If you have a concern regarding your credit report or if you have seen Credit Plus on your credit history, the best extension is 1800. We can also be reached by email at ****************@creditplus.com. We hope to hear from you soon.Customer Response
03/15/2022
I don't know why you are calling so your answer doesn't help. Your system called me at a few minutes to 9 AM PST two days in a row and was silent. Nobody on the line just silence.Credit Plus, Inc. Response
03/15/2022
Good afternoon,
We would be reaching out to you most likely about a credit supplement at the request of our mortgage company client. If you are currently working with a mortgage company that would be the purpose of our call. Based on your complaint to us, it is possible that our company was not attempting to contact you. Our contact phone numbers would be 800-258-3488 or XXX-XXX-XXXX, if you are not receiving calls from those numbers, we would not have been calling you. We do not "cold call" consumers in an attempt to sell a product or provide financial or credit advice.Review from Logan R
1 star01/13/2022
Got a call from these people. I am in a mortgage loan process right now and they called in regard to my mortgage and credit score saying my bank has sent information to them to update my credit for my loan to be approved. Instant red flag. Contacted my bank and this indeed was a lie and my bank stated that you people are a scam. You can even see by their response that they are a scam. Phishing is what they are doing. I hope you get to read this before giving any information to them.Credit Plus, Inc. Response
01/18/2022
Dear ***** *******
Credit Plus provides credit and verification services to mortgage company clients to assist consumers with mortgage loans. From our records it appears your report was pulled by First United Bank and Trust on 10/04/21 by ******* ******* We received a request from Meredith Parker in their office on 1/12 to update your mortgage loan with US Bank Home Mortgage as part of their loan process.
Please advise us who at First United advised you this was a scam so that we may contact them about their submitted request.Customer Response
01/25/2022
We contacted Douglas O. and he told us to ignore your call because it was a scam. Your voicemail alone that your people leave sounds like a scam in itself. We already gave all of our information, why would we need to give additional information? Answer me that..Credit Plus, Inc. Response
01/31/2022
Thank you for reaching back out regarding this issue. As per our last response our attempts to contact you were at the request of ************************** as part of their loan extension process. For any specific questions or concerns we can be reached at 800-258-3488 ext *****Customer Response
02/01/2022
Captain America: "No, I don't think I will."
I hope BBB investigates your company. There's a reason you have one star and have so many complaints of harassment.Review from Dwayne J
1 star11/05/2021
I think they are no worth a dime. They have continually harassed me with call after call even though I am on a No Call List.Credit Plus, Inc. Response
11/08/2021
Dear Dwayne J****,
I apologize for any concerns you may have had when you were contacted. Based on your review to us, it is possible that our company was not attempting to contact you.
We would have contacted you regarding a credit report verification on behalf of one of our clients for mortgage lending. We process credit reports and credit verifications for many mortgage lenders. If you are applying for a mortgage loan or a refinance, your mortgage lender would have placed a request to us for verification to process for a home loan.
We do ask them to always advise borrowers we may be calling, so I'm sorry if that did not happen.
Can you please provide me with the phone number that attempted to reach you (the number that called you if known)? I will be able to research the phone number in our system and see which of our representatives contacted you and why. Please contact us at [email protected] or 877.224.8107.
Customer Response
11/09/2021
They why did they give me their name and say they were Credit Plus. You can say what you want but 3 calls from the same Company is Harassment.Credit Plus, Inc. Response
11/10/2021
Mr ******
Thank you for taking the time to respond. If any of the calls came from either 800-258-3488 or XXX-XXX-XXXX those would have come from us at Credit Plus. Any other numbers would not be from our company. There are different products and services that may use the name "Credit Plus" but we do not "cold call" consumers nor directly approve or extend loans. If you have the telephone numbers that either called you or the number that a voicemail message instructed you to call, we'd be more than happy to check our records to confirm. For direct assistance please contact our Consumer Disputes department at ****************@creditplus.comCustomer Response
11/10/2021
It's Funny that since I have posted this I have no Longer gotten any calls.Review from Felicia G
1 star11/05/2021
I have been getting harassing phone calls. They are leaving voicemails stating I contacted them for financial assistance. I have never contact this company for any assistance. I would like to know where they received my information. Stop calling and leaving voicemails immediately!!!Credit Plus, Inc. Response
11/08/2021
Dar. Felicia G*******,
I apologize for any concerns you may have had when you were contacted. Based on your email to us, it is possible that our company was not attempting to contact you.
We would have contacted you regarding a credit report verification on behalf of one of our clients for mortgage lending. We process credit reports and credit verifications for many mortgage lenders. If you are applying for a mortgage loan or a refinance, your mortgage lender would have placed a request to us for verification to process for a home loan.
We do ask them to always advise borrowers we may be calling, so I'm sorry if that did not happen.
Can you please provide me with the phone number that attempted to reach you (the number that called you if known)? I will be able to research the phone number in our system and see which of our representatives contacted you and why. We can be reached at [email protected] or 877.224.8107
Review from Arthur G
1 star11/04/2021
This company called to thank me for applying for financial assistance on-line. I never heard of this company and I never applied for financial assistance from them. The number they called from a 207 are code. The person who called said she was from Credit Plus. She provided an 888 number for me to call. I don't know if they have pulled my credit report because it is locked but I really getting frustrated with people trying to rip me off..Credit Plus, Inc. Response
11/08/2021
Dear Arthur G*****,
I apologize for any concerns you may have had when you were contacted. Based on your review, it is possible that our company was not attempting to contact you.
We would have contacted you regarding a credit report verification on behalf of one of our clients for mortgage lending. We process credit reports and credit verifications for many mortgage lenders. If you are applying for a mortgage loan or a refinance, your mortgage lender would have placed a request to us for verification to process for a home loan.
We do ask them to always advise borrowers we may be calling, so I'm sorry if that did not happen.
Can you please provide us with the complete phone number that attempted to reach you (the number that called you if known)? I will be able to research the phone number in our system and see which of our representatives contacted you and why. We can be reached at [email protected] or 877.224.8107.Review from Jon H
1 star11/04/2021
Calling me about a loan I have never applied for. Leave me and my credit alone!Credit Plus, Inc. Response
11/08/2021
Dear Jon H*****,
I apologize for any concerns you may have had when you were contacted. Based on your review, it is possible that our company was not attempting to contact you.
We would have contacted you regarding a credit report verification on behalf of one of our clients for mortgage lending. We process credit reports and credit verifications for many mortgage lenders. If you are applying for a mortgage loan or a refinance, your mortgage lender would have placed a request to us for verification to process for a home loan.
We do ask them to always advise borrowers we may be calling, so I'm sorry if that did not happen.
Can you please provide me with the phone number that attempted to reach you (the number that called you if known)? I will be able to research the phone number in our system and see which of our representatives contacted you and why. We can be reached at [email protected] or 877.224.8107.
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