Score Plus Financial
SCOREPLUS

Services

Everything you need to rebuild, build, and fund.

Credit repair, credit building, debt settlement, and access to capital — backed by real human specialists.

Credit Repair & Monitoring

Clean up your reports and stay protected across all three bureaus.

Credit Analysis

We pull all three bureau reports and identify inaccurate, outdated, or unverifiable items.

Personalized Disputes

Tailored dispute letters and challenges sent to bureaus and creditors on your behalf.

Weekly Monitoring

Get alerted the moment something changes on any of your three credit reports.

Identity Protection

Dark-web monitoring and up to $1M identity theft insurance on the Elite plan.

Specialist Support

A dedicated credit specialist works your file and is reachable by phone and chat.

Score Simulator

See how paying down a card, opening a new line, or removing a derogatory affects your score.

Credit Building

Build positive, lender-friendly tradelines that boost your score over time.

Tradeline Strategy

Custom plan to add primary tradelines and seasoned authorized-user accounts that report to all three bureaus.

Secured & Starter Cards

Hand-picked secured and starter card recommendations matched to your profile and goals.

Credit Builder Loans

Installment-loan products designed to add on-time payment history and improve credit mix.

Debt Settlement

Negotiate down unsecured balances and get a clear path out of debt.

Debt Negotiation

We negotiate directly with creditors and collectors to reduce balances on credit cards, medical bills, and personal loans.

Structured Payoff Plan

A single, affordable monthly program that consolidates negotiations and keeps you on track to debt-free.

Creditor Protection Guidance

Coaching on how to handle collector calls, lawsuits, and validation requests while you're in program.

Access to Capital

Unlock personal and business funding once your credit is positioned correctly.

Business Credit Setup

Establish your EIN credit profile with Dun & Bradstreet, Experian Business, and Equifax Business — vendor and store tradelines included.

Personal & Business Funding

Access to lender networks for unsecured personal loans, 0% business credit cards, and lines of credit up to $250K.

SBA & Real Estate Capital

Guidance and lender introductions for SBA loans, investor financing, and commercial real estate capital.