What Is Plusfour Inc On My Credit Report?
Plusfour Inc is a debt collection agency. If you are seeing them on your credit report, it likely means they have purchased your debt from a creditor and are (or will be) attempting to collect it from you.
Is Plusfour Inc A Debt Collection Agency?
Yes, Plusfour Inc is a debt collection agency. They buy debt from a number of different creditors that no longer wish to attempt to collect the amount themselves (also known as a "charge-off").
Plusfour Inc may attempt to reach out via mail or phone calls (demanding payment). The worst part is a collections account will now be seen on your credit report. This hurts your score, as well as reducing your chances of getting approved for a loan or other important financial event.
But it’s not all bad news! We may be able to help you with this account. Call us today to find out more.
Who Does Plusfour Inc Collect For?
Plusfour Inc purchases debt from a range of different creditors. The information isn’t always publicly available and is constantly changing, so it’s difficult to provide an accurate and up-to-date list.
Does Plusfour Inc Hurt My Credit Score?
Yes, it is highly likely having Plusfour Inc on your credit report is damaging your score significantly.
How to Deal with Plusfour Inc on Your Credit Report
Having Plusfour Inc on your credit report can be overwhelming and damaging to your financial future. However, you do have options to deal with this debt collection agency. Request validation of the debt, meaning Plusfour Inc must prove you owe the debt and that they have the right to collect it. If Plusfour Inc cannot provide this information, you can dispute the debt and potentially have it removed from your credit report.
Alternatively, negotiate a settlement with Plusfour Inc; but always get any agreement in writing and never provide bank account or credit card information over the phone. Understand that settling the debt may not necessarily improve your credit score, and it could still remain on your credit report for up to 7 years.
How Credit Counseling Can Help You Deal with Plusfour Inc
If you're struggling to deal with Plusfour Inc on your own, credit counseling can be a valuable resource. Credit counselors can help you create a budget and plan to pay off your debts, including any debts owed to Plusfour Inc. They can also negotiate with creditors on your behalf and help you understand your rights under the Fair Debt Collection Practices Act.
Additionally, credit counseling provides financial education such as how to manage money and improve your credit score. Working with a credit counselor gives you the tools needed to take control of your financial future and reach your goals. Contact Credit Sage today to learn more about our credit counseling services and how we can help you handle Plusfour Inc on your credit report.
How Do I Remove Plusfour Inc From My Credit Report?
To be eligible to remove Plusfour Inc from your credit report, you typically need to meet the following requirements:
- Any information on the account is incorrect
- Any information on the account is error’d
- Any information on the account is fraudulent
- And is not (or cannot be) fixed in an appropriate amount of time
According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes or serious errors. Going after these types of accounts for our clients is our specialty.
Should I Pay For Delete With Plusfour Inc?
Paying off Plusfour Inc to have credit bureaus delete it from your report sounds like a good idea. There's one major problem. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid', but the collection remains on your report for 7 years (from the date of first delinquency). This means your credit is still damaged.
Should I Negotiate A Settlement With Plusfour Inc?
Settling your debt with Plusfour Inc could go both ways. It may help your score, but it may also hurt your score. Many variables impact the end result. There is a better path to a good result. Work with a company that is able to review these accounts for you (like Credit Sage), and if any issues with the account exist you may have it removed all together (and never have to hear from them again).
Is Plusfour Inc Legit, Fake Or A Scam?
Plusfour Inc is a legitimate company. They aren’t fake or trying to scam you. But it is likely they are spam calling you trying to collect a debt. One of the best ways to deal with this is to dispute and remove unvalidated debts.
Why Do Plusfour Inc Keep Calling Me?
Plusfour Inc continues to call and attempt to collect a debt. The best thing you can do is ignore their calls and speak with a company that can help you get it removed (like Credit Sage).
How To Get Plusfour Inc To Stop Calling Me?
As we’ve mentioned above, Plusfour Inc will be calling you to attempt to collect a debt. The best thing you can do to stop this is speak with a company that can help you get them removed from your credit report, like Credit Sage. Once they are off your credit report, you won’t have to hear from them again.
Plusfour Inc Reviews And Complaints
Plusfour Inc has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will Plusfour Inc Try Suing Or Garnishing My Wages?
Plusfour Inc suing would be a very unlikely situation. In rare cases it may happen, but it certainly isn’t the norm. State and federal laws place limits or 'exemptions' that apply to bank and wage garnishments.
We strongly recommend calling us, we’ll help determine the likelihood of a lawsuit, but also provide you next steps in getting this collection removed.
Does Plusfour Inc Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, Plusfour Inc does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With Plusfour Inc?
You have the right to dispute any of your debt that Plusfour Inc has purchased. Plusfour Inc is governed by the Fair Debt Collection Practices Act (or FDCPA) and the Fair Credit Reporting Act (or FCRA). While these acts seem very complicated, they provide a great deal of power to the consumer if you know how to use it properly.
What Is Plusfour Inc Phone Number?
You likely want to call Credit Sage before deciding whether or not to call Plusfour Inc. The reason? You may not want to pay Plusfour Inc debt, especially if it's inaccurate. Paying it off could hurt your score.
Get Plusfour Inc Removed From Your Report, Today!
In most cases, we recommend speaking with a Credit Repair professional to analyze your credit report before you attempt to settle any debt. The main reason? Settling your debt may actually hurt your score.