Consumer Assistance

Credit Plus, Inc. provides credit reports from TransUnion®, Equifax® and Experian® to lending institutions and mortgage companies that, under the Fair Credit Reporting Act (FCRA), must review up-to-date credit data to lend money to consumers. Credit Plus obtains these credit reports directly from the credit bureau agencies and does not maintain its own consumer credit database. 

If one of our clients has obtained your credit report from Credit Plus, we can help you with any of the following:

  • Secure a free copy of your Credit Plus Credit Report requested by our client
  • Dispute incomplete and inaccurate information that is listed on your Credit Plus Credit Report
  • Answer questions about your Credit Plus Credit Report

Why does a Credit Plus inquiry appear on my credit report?
The inquiry can appear as Credit Plus when one of our lender clients asks for a copy of your credit report in connection to a financial transaction. Contact us to find out the name of our lender client that submitted the credit report request.

How do I receive a copy of my credit report?

If one of our clients requested your credit report from Credit Plus and you would like a copy of it, please contact us by email or phone (877.224.8107). You can directly obtain the most current version of your credit report at

How can I dispute incomplete or incorrect information that appears on my Credit Plus credit report?

If one of our lender clients requested a copy of your credit report from us and there is incorrect or incomplete information on it, you can dispute it by contacting us via phone (877.224.8107).

Is it possible to dispute my credit score?

Credit scores are issued by the Fair Isaac Corporation (FICO) and are calculated from data that is on your credit report, including payment history, types of credit used, types of inquiries, amounts owed, length of credit history, new credit and public record information. Even though you can’t dispute your credit score, you are allowed to dispute any incorrect or incomplete information that exists on your credit report. Please visit for more information about credit scores.

Can Credit Plus help me understand why I was denied credit?

Unfortunately, only your lender can provide that information to you. Therefore, to get your questions answered, you should contact your lending institution directly.

Credit Plus called me. What should I do?

If you are trying to secure a loan and we left a message requesting a callback or conference call, please contact a Credit Plus Customer Service Representative at 800.258.3488.

Helpful Links

Click on the following orange links to learn more.

Your credit report:

Credit Report Errors and the Dispute Process

Learn about FICO Scores by clicking here:

Freezing and lifting a freeze on your credit report 

CP_1007_Credit_Freeze_Flyer.png Download our flyer by clicking here.

Credit fraud and identity theft:

Opt-out of solicitations - The FCRA provides you with the right to "Opt Out," which prevents Consumer Credit Reporting companies from providing your credit file information to companies that offer Firm Offers of Credit.

Opt-out of Lexis Nexis - Individuals may request to opt-out of having personal information about themselves made available through certain LexisNexis products and services, in accordance with legal requirements or if permitted by LexisNexis policy.

Consumer Financial Protection Bureau - The central mission of the Consumer Financial Protection Bureau (CFPB) is to make markets for consumer financial products and services work for Americans - whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products. At this site, you may file a complaint or simply find valuable topics such as how to get assistance with paying your mortgage.

Consumer Assistance Contact Information:



PO Box 105783
Atlanta, GA 30348




National Consumer
Assistance Center
PO Box 2002
Allen, TX 75013



Consumer Relations
PO Box 1000
Chester, PA 19022




Credit Plus

Toll-free: 877-224-8107


ATTN: Consumer Assistance

31550 Winterplace Parkway

Salisbury, MD 21804


Fair Isaac Corporation 
(888) 446-6785


Free Annual Credit Report 
(877) 322-8228