Xactus formerly Credit Plus - Salisbury, Maryland

Grechy Delgado

No se quienes son esta gente , ni quien los autoriso a correr mi credito , no entiendo nadaaaa, son unos falta de respeto

l f

I had to call more than once due to my call being dropped while on hold. Then once my call was answered I was transferred again and on hold for 38 minutes. This is not customer service but highway robbery. I need to have communications between my bank, Credit Plus, and me so I can close in a week .... without this coordination, I cannot close. How sad. As a consumer, I would never use nor recommend them for any reason. There are other more robust credit companies out there that treat their customers so much better.

PJ

I'm loving all of these reviews. As others have already stated, Credit Plus is not pulling your report without authorization (if they are, it means someone likely stole your identity and it's still not their fault that your report was pulled). If you've applied for a mortgage, your lender used Credit Plus to pull your report for the pre-qualification and if there's more than one, they likely pulled it again as a part of the final stages of the mortgage process (verification, because lenders don't want to see major changes before providing substantial financing for a mortgage). So, before you go full-** and post a 1-star review, either call up your lender to see if they used Credit Plus, or freeze your reports and figure out how your identity was stolen, because those are the only two reasons there's a hard inquiry on your report.

Angela Mireles

Received a notification through Credit Karma that Credit Plus had run an inquiry on my credit. Called and was informed that it was in fact not Credit Plus that ran the inquiry, but that it was a mortgage company that used their software to run the inquiry. They can tell you what mortgage company used the software to run the inquiry so you can call them to find out why. Very nice people at Credit Plus.

Karen Kay Scutt

I have applied for a mortgage assistance program. My lender could not explain to me why the credit score they had were so different from the scores I was seeing. After some research I called the reporting agency Credit Plus. Thank you Crystal for explaining this to me! It has helped me understand the difference. I feel I can make a more informed decision!

Alicia Moreno

No stars, if this was an option. This company ran my credit without my authorization recently 5/24. I did file a complaint with BBB. Beware of this company!!! Its Fraudulent. I was doing business with a mortgage company and they use Credit Plus to run credits. I authorized once for them to run my credit back when I was doing business with the mortgage company. 2 months later the Credit Plus runs my credit and that turns into a "Hard inquiry" after being told "Genuinely" this will be a "soft inquiry".

michael ray

I know who i asked to pull my credit report. The company said it would be a soft pull on it. I was ver upset to find there was a hard pull on my report. Which dropped my score. I think that anyone tell someone that they will be pulling a soft credit check one might ask who the third party is

Don

They definitely talk a good one, very curious and respectful except the part they run your credit without your permission and ding -15 points for an unauthorized credit check.

SMH......if you're not looking for a loan or refinance, don't talk to anyone who calls you; they always have tricks up their sleeves.