FAQ

Frequently Asked Questions

Top 10 frequently asked questions:

Q1.) How do I reset my password?
Q2.) Why can’t I access the Credit Plus client login site?
Q3.) Can I login from a computer outside the United States of America?
Q4.) How do I import my credit file and liabilities into my Calyx Point file?
Q5.) How do I import my credit file and liabilities into my Encompass file?
Q6.) When trying to view credit reports nothing happens.
Q7.) I am trying to add a spouse or bureaus to a credit file but the option is grayed out.
Q8.) Why do I have to answer or setup the site security question?
Q9.) I am having trouble ordering credit and getting a blank file or nothing is coming back.
Q10.) When I submit to Fannie Mae DO, DU I keep getting credit errors.

 

Q1.) How do I reset my password?

1. Please click the following link and follow the instructions listed below.
https://credit.creditplus.com/insecure/resetpw_request.aspx
If you have forgotten or lost your password, enter the login name and email you have on file with Credit Plus and we will email you instructions to reset your password. Note: If you have your password to login to the site and would like to reset your password, please go to the client login page, enter your login and password, then click on my account.

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Q2.) Why can’t I access the Credit Plus client login site?

1. Please check to make sure you are able to access other secure websites. Secure websites:
https://www.paypal.com/us/cgi-bin/webscr?cmd=_login-run
https://signin.ebay.com/ws/eBayISAPI.dll?SignIn&ru=http%3A//www.ebay.com/&_trksid=m37

2. Please verify that you are using Internet Explorer 6.0 or higher. (To do this, open Internet Explorer, click on Help, then About Internet Explorer to find the current version installed on your computer.) Note: Mozilla Firefox, Netscape and browsers other than Internet Explorer are not supported by the Credit Plus system.

3. If you are still having issues accessing https://credit.creditplus.com, please contact your internet service provider and/or your local computer technician to have the issue resolved.

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Q3.) Can I login from a computer outside the U.S.?

No, due to bureau guidelines, access from outside the U.S. is prohibited.

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Q4.) How do I import my credit file and liabilities into my Calyx Point file?

1. Open or create a file inside of Calyx Point with the borrower’s name, address and SSN.

2. From the top of the file, select the option for Services, then Credit Reporting, then Request Credit.

3. The credit request screen will appear. Select Credit Plus, Inc., your credit agency, then Reissue existing. Enter the file/report number next to Reference number.

4. Select the submit button.

5. Enter your login/user name and password (you can leave the account number field blank).

6. Select okay button.

7. Select the Ignore $0 balance and Ignore Closed buttons.

8. Select the Populate button.

9. You will be able to view and print the credit report.

10. You have now imported the credit file and all the liabilities into your Calyx Point file.

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Q5.) How do I import my credit file and liabilities into my Encompass file?

1. Open or create a file inside of Encompass with the borrower's name, address and SSN.

2. From the left side of the file, select the tab Services, then Order credit report.

3. Select Credit Plus from the My Epass Providers list.

4. Select the Submit button.

5. The Credit Report Request screen appears under order method. Select import from website.

6. Enter your Login and password along with the file number to the left.

7. Select the finish button.

8. You will be able to view and print the credit report.

9. Select the Loans tab at the top of the file.

10. Under the borrower's summary page, select Import Liabilities.

11. You have now imported the credit file and all the liabilities into your Encompass file.

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Q6.) When trying to view credit reports, nothing happens.

1. Disable your pop-up blocker or add credit.creditplus.com to your safe list.

2. Try holding down the CTRL button on your keyboard while selecting the option or feature you wish to use. Most common pop-up blockers will be temporally disabled while CTRL is pressed.

3. If you are unable to disable your pop-up blockers, please contact your local computer technician to have the issue resolved.

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Q7.) I am trying to add a spouse or bureaus to a credit file but the option is grayed out.

1. If the credit file is over 30 days old, you will not be able to add a bureau or a spouse to the credit file.

2. If the credit file has been pulled by another user, you may not have the access permission needed to perform this feature.

3. If the credit file was pulled Fannie Mae Direct, you will not be able to add a spouse.

4. If the credit file has been reissued to Fannie Mae, you will not be able to add a bureau or a spouse.

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Q8.) Why do I have to answer or setup the site security question?

1. This is to ensure your company's and client’s information will be protected from spyware and key loggers that may allow unauthorized access to the system. Note: If you are currently experiencing issues with the site security question due to incorrect answers and/or problems with installing the site security certificate, please contact the administrator on your account to have the issue resolved.

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Q9.) I’m having trouble ordering credit and getting a blank file or nothing is coming back.

1. Are you credit card only? If so, the credit card authorization may have failed due to incorrect billing or card information, insufficient funds, a hold on the credit card, cancelled card or expired card. You’ll want to call your financial institution for further information. Otherwise, try a different credit card.

2. If you have a blank file from our website, find the file, click add bureaus and click order to add credit to that file.

3. From Point, click on services, credit reports, request credit, choose upgrade existing report, check desired bureaus and be sure the file number of the existing file is in the credit reference field. Click submit.

4. With Encompass, it is best to access the website and add bureaus to the file there.

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Q10.) When I submit to Fannie Mae DO, DU I keep getting credit errors.

1. Verify that the borrower’s information you are submitting with your 1003 (name, address and SSN) matches exactly what is showing at the top of the credit report you are trying to reissue.

2. Verify that you are entering all the information requested:

a. Credit agency/provider.
b. Account number/login details.
c. Password.
d. Ref/File/Re-issue/Report# (if you are reissuing a file that you have already pulled).

Note: If your problem persists after you have verified the information above, please contact Credit Plus, Inc. at 1.800.258.3488 and select the option for tech support.

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Do you have a question that's not listed above? Please call us at 800.258.3488 or click here to type in your question.