7 Customer Reviews
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Review from Scott K
1 star09/23/2024
I never gave anyone permission or credit plus permission to do hard inquiries on my credit. I would like it removedReview 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.
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