Seeing PlusFour, Inc. on your credit report can be frustrating. This often means you have a collection account, which can hurt your credit score for years if you don’t take action. Here’s how to handle it and explore ways to get them removed from your credit report.
Who Is PlusFour, Inc.?
PlusFour, Inc. is a debt collection agency based in Las Vegas, Nevada. They work with businesses to recover unpaid bills. If they show up on your credit report, it usually means they’re trying to collect a debt they believe you owe.
Who Does PlusFour, Inc. Collect For?
PlusFour, Inc. collects debts for companies across different industries. Their clients include:
- Medical and dental providers: Private practices, hospitals, and larger healthcare groups.
- Professional services: Legal offices, consulting firms, and other service-based businesses.
- Property managers and landlords: They help collect unpaid rent and housing-related debts.
- Utility companies: Including water, gas, electric, and telecom services.
Is PlusFour, Inc. Legitimate?
Yes, PlusFour, Inc. is a real debt collection agency. They have the legal right to contact consumers and attempt to recover debts on behalf of their clients. That said, mistakes happen. Always verify the debt before making any payments or agreeing to terms.
How to Remove PlusFour, Inc. From Your Credit Report
Collections can lower your credit score and stay on your credit report for up to seven years. Here’s how to try and get them removed:
- Dispute Errors: Start by reviewing your credit report for mistakes. If the account isn’t yours, is listed incorrectly, or has outdated information, dispute it with the credit bureaus.
- Request Debt Validation: You have the right to ask PlusFour, Inc. to prove the debt is valid. Send a written debt validation letter within 30 days of their initial contact.
- Negotiate a Pay-for-Delete: If the debt is accurate, you can try to negotiate a pay-for-delete agreement. This means you offer to pay part or all of the debt if they agree to remove the account from your credit report. Get any agreement in writing.
- Work With a Credit Repair Service: Credit repair companies know how to challenge collections and other negative marks. They can often help remove inaccurate or unverifiable items.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay PlusFour, Inc.?
Before contacting PlusFour, Inc., confirm that the debt is legitimate and that the information on your credit report is accurate. Be aware that making a payment, even a small one, may restart the statute of limitations in your state, which could extend the time they can pursue legal action.
For many people, working with a credit repair professional can help avoid costly mistakes. Experienced services deal with collection agencies like PlusFour, Inc. every day and can handle the process for you.
Can PlusFour, Inc. Sue You or Garnish Your Wages?
Debt collectors have the option to sue for unpaid debts. If they win the case, they could garnish your wages or take other legal steps to collect the money. However, lawsuits are costly, and many collection agencies prefer to work out payment plans instead.
PlusFour, Inc. Complaints
Like many debt collectors, PlusFour, Inc. has complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate debt reporting
- Harassment or aggressive collection tactics
- Failing to provide proper debt verification
If you experience unfair treatment, you can file a complaint with these agencies.
Your Rights When Dealing With PlusFour, Inc.
You have strong protections under federal law, including the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Here are key rights to remember:
- You can dispute inaccurate information with the credit bureaus.
- You can request debt validation. PlusFour, Inc. must provide proof the debt is yours and the amount is correct.
- They cannot harass you. This includes threats, repeated calls, abusive language, or public shaming.
- They must be honest. They are required to tell you who they are and that they’re attempting to collect a debt.
- They cannot threaten arrest. You cannot be jailed for unpaid debts.
Knowing your rights makes it easier to deal with collection agencies and protect your credit.
PlusFour, Inc. Contact Information
- Address: 6345 S Pecos Rd, Suite 212, Las Vegas, NV 89120
- Mailing Address: PO Box 95846, Las Vegas, NV 89193
- Phone Number: (877) 494-1569
Need Help Removing PlusFour, Inc. From Your Credit Report?
Handling collections can be stressful, but you don’t have to do it alone. Credit Saint is a trusted credit repair company that helps clients remove negative items, including collection accounts from agencies like PlusFour, Inc.
They even offer a 90-day money-back guarantee for added peace of mind.
If you’re ready to take control of your credit, visit their website or call (855) 281-1510.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
