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Superior Credit Repair
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Credit a Plus Inc in Hialeah, FL
Unable to verify company profile. Website returns 404 error on services page, blocking access to business details and service offerings.
Data compiled from public sources · Rating from CreditDoc methodology
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Credit a Plus Inc Review
com and is currently listed in the 'fix-my-credit' category. The website appears to be either under maintenance, experiencing technical issues, or the services page has been removed. Without access to substantive website content, claims about their credit repair services, dispute processes, success rates, or company background cannot be verified.
This lack of accessible information makes it impossible to confirm whether they are a legitimate credit repair operation, what specific services they provide, or how they compare to competitors in the space. The presence of a 'Free Consultation' button suggests consumer-facing services, but no details about scope, cost, or methodology are available. The incomplete online presence raises questions about company stability and accessibility for potential customers seeking support.
Services & Features
Credit counseling service
Feature Checklist
AI-Powered Tools
Mobile App
Online Portal
Score Tracking
Debt Validation
Credit Education
Goodwill Letters
Personal Advisor
All Three Bureaus
Credit Monitoring
Cease & Desist Letters
Identity Theft Protection
Pros & Cons
Pros
- Offers free consultation service
- Maintains web presence with professional domain name
- Navigation menu suggests organized site structure when functioning
Cons
- Services page completely inaccessible (404 error) - cannot verify business operations
- No verifiable information about credit repair services, processes, or success rates available
- Website technical issues prevent assessment of company legitimacy or credentials
- No pricing, timelines, or service details publicly accessible
- Unable to confirm company registration, licensing, or BBB status from available content
Rating Breakdown
Value 5.0
Effectiveness 3.2
Customer Service 3.7
Transparency 3.5
Ease of Use 3.9
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Frequently Asked Questions
Is Credit a Plus Inc legitimate?
Yes. Credit a Plus Inc is a registered company, headquartered in 2300 W 84th St #401, Hialeah, FL 33016.
Quick Facts
- Headquarters
- 2300 W 84th St #401, Hialeah, FL 33016
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Free Consultation
- Yes
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Credit a Plus Inc
Credit A Plus Inc cannot be recommended or assessed due to complete inaccessibility of their services page and business information. Consumers should not engage with this company until their website is restored and detailed, verifiable information about their credit repair services, pricing, and credentials is publicly available.
Updated 2026-04-29
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Read guide →How to Dispute Errors on Your Credit Report (2026 Guide)
Step-by-step instructions for disputing errors on your credit report with all three bureaus, including templates and timelines.
Read guide →How Credit Repair Actually Works (Step by Step)
A complete breakdown of the credit repair process — what companies actually do, the legal framework behind it, and realistic timelines for results.
Read guide →Financial Terms Explained (23 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
Penalty APR — Penalty Annual Percentage Rate
A higher interest rate that kicks in when you violate your card agreement — usually by paying late or going over your credit limit. It can be nearly double your normal rate.
Why it matters
One late payment can trigger a penalty APR of 29.99% on your entire balance, and it can last 6 months or longer. Read your card agreement to know the triggers.
Example
Your credit card rate is 19.99%. You miss a payment by 61+ days. The bank triggers a 29.99% penalty APR. On a $5,000 balance, that's $125/month in interest instead of $83.
Credit & Scoring
Credit Bureau — Credit Reporting Agency (Bureau)
A company that collects and sells information about your credit history. The three major bureaus are Equifax, Experian, and TransUnion.
Why it matters
Not all lenders report to all three bureaus, so your reports may differ. You should check all three reports because an error on one could be costing you money.
Example
Your car loan only reports to Equifax and TransUnion. Your Experian report doesn't show that good payment history, so your Experian score is 15 points lower.
Credit Freeze — Security Freeze / Credit Freeze
A free tool that locks your credit report so no one (including you) can open new accounts until you lift it. It's the strongest protection against identity theft.
Why it matters
A credit freeze prevents criminals from opening loans in your name, even if they have your Social Security number. It's free by law and doesn't affect your credit score.
Example
Your data was in a breach. You freeze your credit at all 3 bureaus (takes 10 minutes online). A thief tries to open a credit card in your name — denied because the lender can't pull your frozen report.
Credit Mix — Credit Mix (Types of Credit)
The variety of credit accounts you have — credit cards (revolving), auto loans (installment), mortgage, student loans, etc. Having multiple types shows you can manage different kinds of debt.
Why it matters
Credit mix accounts for about 10% of your FICO score. Having only credit cards isn't as strong as having a card, an installment loan, and a mortgage.
Example
Borrower A has 3 credit cards. Borrower B has 2 credit cards, a car loan, and a student loan. Even with the same payment history and utilization, Borrower B's score is typically higher.
Credit Report — Consumer Credit Report
A detailed record of your borrowing history maintained by credit bureaus. It lists every loan, credit card, payment history, collection, and public record tied to your name.
Why it matters
Errors on credit reports are common — 1 in 5 consumers has at least one mistake. Checking your report regularly is the first step to fixing errors that are costing you money.
Example
You pull your free report from AnnualCreditReport.com and find a $2,400 medical collection you already paid. You dispute it, the bureau verifies it's resolved, and your score goes up 40 points.
Credit Score
A 3-digit number (300-850) that summarizes how reliably you've handled borrowed money. Higher scores mean lower risk to lenders and better loan terms for you.
Why it matters
Your credit score determines whether you get approved and at what rate. A 100-point difference can mean thousands of dollars more or less in interest over a loan's life.
Example
On a $250,000 30-year mortgage: a 760 score gets you 6.2% ($1,536/month). A 660 score gets 7.4% ($1,729/month). Over 30 years, the lower score costs you $69,480 more.
Credit Utilization — Credit Utilization Ratio
The percentage of your available credit that you're currently using. If you have $10,000 in credit limits and owe $3,000, your utilization is 30%.
Why it matters
Utilization is the second-biggest factor in your credit score (after payment history). Keeping it below 30% helps your score; below 10% is ideal.
Example
You have 3 cards with a $15,000 total limit. You're carrying $4,500 in balances (30% utilization). Paying down to $1,500 (10% utilization) could boost your score by 20-50 points.
FICO Score — Fair Isaac Corporation Score
The most widely used credit scoring model, created by Fair Isaac Corporation. 90% of top lenders use FICO scores for lending decisions.
Why it matters
FICO has many versions (FICO 8, 9, 10). Mortgage lenders still use older versions (FICO 2, 4, 5), so your mortgage score may differ from what free apps show you.
Example
Your FICO 8 score (used for credit cards) is 740. Your FICO 5 score (used for mortgages) is 725 because it weighs collections differently. Same credit history, different scores.
Hard Inquiry — Hard Credit Inquiry (Hard Pull)
When a lender checks your credit report because you've applied for credit. Each hard inquiry can lower your score by 5-10 points and stays on your report for 2 years.
Why it matters
Multiple hard inquiries in a short period suggest you're desperately seeking credit, which is a red flag. Exception: mortgage and auto loan shopping within 14-45 days counts as one inquiry.
Example
You apply for 5 credit cards in one month. Each application triggers a hard inquiry. Your score drops 25-50 points from the inquiries alone, making each subsequent application harder.
Soft Inquiry — Soft Credit Inquiry (Soft Pull)
A credit check that does NOT affect your score. Happens when you check your own credit, when lenders pre-qualify you, or when employers do background checks.
Why it matters
You can check your own credit as often as you want without penalty. Prequalification offers from lenders also use soft pulls, so shopping around is safe.
Example
You use Credit Karma to check your score (soft pull — no impact). A credit card company sends you a pre-approved offer (soft pull). You then apply for the card (hard pull — small impact).
VantageScore
An alternative credit scoring model created by the three major credit bureaus (Equifax, Experian, TransUnion). Same 300-850 range as FICO but uses a slightly different formula.
Why it matters
Many free credit monitoring apps show VantageScore, not FICO. Your VantageScore may be 20-40 points different from the FICO score a lender actually uses.
Example
Credit Karma shows your VantageScore 3.0 as 720. You apply for a mortgage and the lender pulls your FICO 2 score: it's 695. Different model, different number, different rate offered.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
Service Fee — Monthly Service Fee
A recurring charge for maintaining a financial account or receiving ongoing services, such as credit monitoring, credit repair, or loan servicing.
Why it matters
Monthly service fees add up quickly. A $79/month credit repair service costs $948/year — make sure the value justifies the ongoing expense.
Example
A credit repair company charges $79/month to dispute items on your report. After 6 months ($474 spent), they've removed 3 negative items and your score went up 65 points. Was it worth it? Depends on your situation.
Setup Fee — Setup Fee / First Work Fee
A one-time fee charged at the beginning of a service, often by credit repair companies, to cover the cost of your initial credit analysis and account setup.
Why it matters
Legitimate credit repair companies are NOT allowed to charge before they do work (per the Credit Repair Organizations Act). A setup fee before any results is a red flag.
Example
Company A charges $99 setup fee before doing anything (potential CROA violation). Company B does a free audit first, then charges a $199 work fee only after completing work (legitimate).
Legal Terms
CFPB — Consumer Financial Protection Bureau
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
Why it matters
The CFPB is your most powerful ally against predatory lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
CROA — Credit Repair Organizations Act
A federal law that regulates credit repair companies. It bans them from charging upfront fees, making false promises, and requires written contracts with a 3-day cancellation right.
Why it matters
CROA protects you from credit repair scams. If a company demands payment before doing any work, they're likely violating federal law. Legitimate companies charge after results.
Example
A company says 'Pay $500 upfront and we'll remove all negative items guaranteed.' That violates CROA on two counts: upfront fees and guaranteed results. Legitimate companies charge monthly after work begins.
FCRA — Fair Credit Reporting Act
The federal law that regulates how credit bureaus collect, share, and use your information. It gives you the right to see your report, dispute errors, and limit who can access it.
Why it matters
FCRA is the legal basis for disputing errors on your credit report. Bureaus must investigate within 30 days and remove inaccurate information. You can sue if they violate your rights.
Example
You dispute an incorrect collection on your Equifax report. Under FCRA, Equifax has 30 days to investigate. If they can't verify it, they must remove it. If they ignore your dispute, you can sue for damages.
FDCPA — Fair Debt Collection Practices Act
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and must stop contacting you if you request in writing.
Why it matters
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you can sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
Debt & Recovery
Charge-Off
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
Why it matters
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
Collections — Debt Collections
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Why it matters
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Credit Cards
Balance Transfer — Credit Card Balance Transfer
Moving debt from one credit card to another, usually to take advantage of a lower interest rate (often 0% for 12-21 months). There's typically a 3-5% transfer fee.
Why it matters
A 0% balance transfer can save hundreds in interest and help you pay down debt faster. But you must pay off the balance before the promotional period ends, or the rate jumps.
Example
You owe $8,000 at 22% APR ($147/month in interest). You transfer to a 0% APR card with a 3% fee ($240). For 18 months, $0 interest. If you pay $444/month, you're debt-free before the promo ends.
Minimum Payment — Minimum Payment Due
The smallest amount you must pay each month to keep your account in good standing — usually 1-3% of the balance or $25, whichever is more. Paying only this amount keeps you in debt for years.
Why it matters
Minimum payments are designed to keep you paying interest as long as possible. On a $5,000 balance at 22%, minimum payments would take 20+ years and cost over $8,000 in interest.
Example
You owe $5,000 at 22% APR. Minimum payment: $100/month. At that rate, it takes 9 years to pay off and you pay $5,840 in interest — more than you originally borrowed.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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