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Frequently
Asked
Questions
At Score Plus Financial, we believe education is the foundation of better credit. The more you understand how credit works, the more control you have over your financial future. If you don’t see your question here, connect with one of our specialists - we’re here to guide you every step of the way.
Our pricing is clearly outlined on the Packages page, where you can compare plans and choose the one that fits your goals.
You’ll get access to your own online dashboard with real-time updates, including progress reports, timelines, and credit insights.
Yes - you have the right to manage and improve your own credit. Laws like the Fair Credit Reporting Act (FCRA) are designed to protect you. Score Plus Financial is here if you want expert support to navigate the process more effectively.
No. We don’t rely on generic tactics. Every case is reviewed individually, and disputes are tailored specifically to your credit profile for better accuracy and effectiveness.
Yes, but keep in mind that new applications create inquiries, which can temporarily impact your score. We’ll help guide you on timing and strategy.
You have the legal right to dispute inaccurate, outdated, or unverifiable information on your credit reports. Federal laws like the FCRA, FCBA, and FDCPA protect these rights. We help guide and support you through that process.
Absolutely. Staying current on your accounts is essential. New negative activity can hurt your progress while we’re working to improve your credit.
In rare cases, a creditor may verify and re-report an item. If that happens, credit bureaus are required to notify you before it reappears.
Yes. Consistent, on-time payments are one of the most important factors in building and maintaining a strong credit profile.
Charge-offs can remain on your credit report for up to 7 years from the original delinquency date.
Depending on the type, bankruptcy may remain on your credit report for up to 10 years.
If a judgment is issued, creditors may pursue collection through methods such as wage garnishment or bank levies, depending on applicable laws.
We can review your credit report and identify any inaccurately reported late payments, and guide you through potential options for addressing them.
In some cases, repossessions may be challenged if inaccurate, or addressed through negotiation strategies with creditors.
There are certain situations where a foreclosure may be removed sooner than expected, depending on the accuracy and reporting details.
Yes. We review your credit reports to identify inquiries that may be unauthorized or inaccurate and determine what can be addressed.
In some cases, it’s possible to request removal through negotiation or goodwill requests, depending on the creditor.
Score Plus Financial helps individuals and families build stronger credit through clear strategies, smart tools, and personalized support. We focus on identifying inaccuracies, improving credit profiles, and guiding you toward long-term financial stability.
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