The ScorePlus program enables Credit Plus to update consumer credit information with the three national repositories in 3 to 5 business days. Credit Plus will forward documents, supplied by your borrower, directly to Equifax, TransUnion and Experian, for a rush investigation and update tradelines on their credit report.

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How does the Score Plus program work? Your Score Plus request must be faxed, using a Score Plus Order Form and include the appropriate documentation. A Score Plus representative will review the document(s) and then forward it to the requested bureaus. Each bureau will verify the documentation and then notify Score Plus that their update has been completed. Upon receiving confirmation of the Score Plus request completion from the respective bureaus, Score Plus will re-pull new credit and advise you to access the updated report and scores.

How long does it take? Though we are unable to guarantee a completion date, the turn-around time will typically be 3 to 5 business days from the time Score Plus receives your request. If the bureau rejects the documents you will be promptly notified.

What types of credit information can be updated?

Score Plus requires a verifiable document from the creditor and can be used to:

• Remove derogatory information and accounts that were reported in error
• Update an account that has been paid in full and closed
• Update the status of a collection
• Update a balance or paid-in-full status
• Update an account to show it included in a bankruptcy

What documentation is required?

For the bureau to accept Score Plus requests, all documents:

• MUST be typed on creditor letterhead
• MUST come from the creditor reporting the account
• MUST state specifically how the information should be changed
• MUST include the date, complete account number and the name and contact phone number of the creditor