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FAQ

What is Credit Mapping™?

Credit Mapping™ is a process that analyzes a consumer’s credit report, expands upon the score factors in simple plain english, and identifies those actions that when executed, can result in better credit behavior. By identifying the factors that impact a consumer’s credit standing and educating them on sound credit behavior we map out an action plan to help them improve their credit in the shortest time and least cost possible.

Who should use Credit Mapping™?

Anyone who would like to maintain good credit and is honest and willing to take the steps needed to practice sound credit behavior. Consider using our services before applying for a loan in order to give yourself ample time to obtain the lowest rates.

What is the difference between Map Your Credit and the other guys?

We are unlike most of the “free credit report” sites that are out in the market. While they talk about the importance of good credit, their products typically only provide a copy of your credit report and possibly score, some general information on what comprises a credit score, and a subscription to a fraud/identity theft service.

At Map Your Credit, we combine advanced technologies with our decades of experience reviewing credit reports and working directly with consumers, lenders, and the national credit repositories to document, supplement, and update credit reports.

We are able to provide an analysis of your actual credit report and identify potential areas for improvement or correction and predict the impact of those actions on your actual credit report. You can see results in as little as a week. On average most users will obtain their desired results within 30 days of implementing the actions on their “credit map”

What is a credit score?

A credit score is a representation of a person’s creditworthiness based on complex mathematical algorithms that evaluate many types of information in a credit file. A credit score is used by a lender to help determine whether or not a person qualifies for a particular type of credit card, loan program, or service. A credit score is designed to measure the likelihood that a person will make payments on time. In general, the higher a person’s score, the less risk they represent.

What factors affect my credit score?

There are a number of factors that affect your credit score. There are a number of different credit scoring models including the Scorex Plus and Vantage scores from Experian and the FICO score developed by Fair Isaac Corporation. A person's credit score is calculated from the data in a person’s credit report and is generally grouped into one of five categories.

Measure of Credit History 15%
Amounts Owed 30%
Payment History 35%
Inquiries for New Credit 10%
Types of Credit Used 10%

Credit Factors



The combination of these factors and the quality of each determine a person’s credit score and represent their creditworthiness.

Can I get a free credit report?

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax®, Experian®, and TransUnion® — to provide you with a free copy of your credit report, at your request, once every 12 months.

Under Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies. To request your free annual report under that law, you must go to www.annualcreditreport.com. AnnualCreditReport.com is not affiliated with MapYourCredit.com.

Are there other situations where I may be entitled to a free credit report?

Under federal law, you’re entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, you may purchase a copy of your credit report from mapyourcredit.com.

Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports.

What can I do if I find errors in my credit report?

If you find an error on your credit report, you may dispute it online with the credit repository in which you found the error (Experian, Equifax, or TransUnion). You also can call the telephone number on your credit report for assistance if you feel any information is inaccurate or incomplete.

However, be aware that the repositories can take up to 30 or 45 days to investigate a disputed item on an annual free credit report.