PlusFour, Inc.


Is PlusFour, Inc. hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is PlusFour, Inc.?

PlusFour, Inc. is a debt collection agency based out of Las Vegas, Nevada. They are contracted by creditors to collect debts on their behalf.

If you see PlusFour, Inc. on your credit report, it usually indicates that they are trying to recover a debt you owe. This could have occurred due to a past-due bill or unfulfilled financial obligation.

Who does PlusFour, Inc. collect for?

PlusFour, Inc. provides debt collection services to various industries. They recover debts for medical and dental practices, larger medical facilities, and professional service providers such as legal and consulting firms. The agency also assists property managers and small businesses with unpaid bills, and seeks to recoup costs for utility companies covering water, gas, electricity, and telecommunications services.

Is PlusFour, Inc. legit or a scam?

PlusFour, Inc. is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove PlusFour, Inc. from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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PlusFour, Inc. Contact Information


PlusFour, Inc.
6345 S Pecos Rd Ste 212
Las Vegas, NV 89120

Mailing address:

PlusFour, Inc.
PO Box 95846
Las Vegas, NV 89193

Phone number: (877) 494-1569

Should I contact or pay PlusFour, Inc.?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with PlusFour, Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like PlusFour, Inc. on behalf of their clients.

Will PlusFour, Inc. sue me or garnish my wages?

While PlusFour, Inc. is entitled to sue a debtor for nonpayment of debt, it’s not a certainty that they will. If they take the matter to court and win a judgement, they could potentially garnish your wages or take other actions to recover the debt. However, many debt collectors would rather set up a payment plan than go through the cost and effort of a lawsuit.

PlusFour, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with PlusFour, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for PlusFour, Inc. to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • PlusFour, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • PlusFour, Inc. must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • PlusFour, Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove PlusFour, Inc. From Your Credit Report Today!

Credit Saint can help you dispute PlusFour, Inc. collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.