Map Your Credit - Credit Report Disclaimer and Service Agreement

File Disclosure

The Fair Credit Reporting Act (FCRA) allows a consumer to obtain a disclosure from every Credit Reporting Agency (CRA) of the nature and substance of all information in his/her file at the time of the request. Full disclosure of information in a consumer’s file at Equifax, Experian or TransUnion must be obtained directly from the CRA by calling:
Equifax: 1-800-685-1111
Experian: 1-800-397-3742
TransUnion: 1-800-916-8800

Map Your Credit is not a CRA. Map Your Credit provides services and communication mechanisms for consumers to obtain their credit reports, credit scores, credit monitoring services, and/or fraud prevention services, and assumes no responsibility or liability for information contained therein.

Under certain conditions, a consumer is entitled to receive a disclosure from the CRA free of charge. Consumers are entitled to receive a disclosure from the CRA free of charge under the following circumstances:

• Denial of credit, insurance or employment within the past sixty (60) days as a result of information contained in one’s credit report
• Certification in writing of unemployment and intention to apply for employment in the 60-day period beginning on the date of certification
• Recipient of public welfare assistance
• Consumer has reason to believe that his/her file at the agency contains inaccurate information due to fraud

Otherwise, the CRA may impose a reasonable charge for the disclosure.

The FCRA permits a consumer to dispute inaccurate or incomplete information in his/her credit file. However, accurate and verifiable information cannot be changed.

Consumers do not have to purchase their credit report or other information from Map Your Credit in order to dispute inaccurate or incomplete information in their Equifax, Experian or TransUnion credit file.

Consumers residing in the states of Colorado, Maine, Massachusetts, Maryland, New Jersey and Vermont may receive an additional free copy of their credit file once per year and residents of the state of Georgia may receive two copies per year. For Illinois residents, CRAs are required by law to give consumers a copy of their credit report upon request at no charge or for a nominal fee.

The FCRA also allows consumers to obtain one free disclosure of all the information in their credit file from each CRA – Equifax, Experian and TransUnion once every 12 months. To request your free annual credit report as per the FCRA, you must go to www.annualcreditreport.com. The services on this web site are not related to the free FCRA disclosure.

The credit file being purchased from Map Your Credit is not intended to constitute the disclosure of Equifax, Experian or TransUnion information as required by the FCRA or similar state laws.

Information Use:
The information collected from on this site will only be shared with affiliate owned sites if the information requested came from that site. The information collected on this site will not be shared with other parties, companies, or mailing lists. A user must provide contact information (such as name, email, and mailing address) and financial information (such as credit card holder, account number and expiration date). This information is used for billing purposes and to fulfill your request for your credit report. If you have trouble processing your order, contact Map Your Credit at 1-877-824-2212 and a customer service representative will assist you.

Security:
This web site takes every precaution to protect our user's information. We use SSL encryption to protect sensitive information online and offline. Only employees who need the information to perform a specific task (our billing clerk or customer service representative) are granted access to personal identifiable information. Like most standard web site servers we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personal identifiable information and in no way will be used for that purpose. Your credit card information is processed with a secure connection through our Merchant Services provider. Accordingly, Map Your Credit assumes no liability or responsibility should confidential information belonging to the user be intercepted fraudulently and subsequently used by an unintended recipient.

Legal Notice:
Neither Map Your Credit, its employees, agents, successors, and/or assigns, make any warranties, express or implied, including the warranties of merchantability or fitness for a particular purpose, or assume any legal liability or responsibility for the accuracy and completeness, or usefulness of any information contained at this web site or represent that use of this information would not infringe other third party rights. Further, Map Your Credit shall not be liable for any direct, indirect, consequential, or inconsequential damages to the user, or a third party arising from use of this web site. In providing this information, Map Your Credit does not assume any liability as a result of the use or misuse of the information. By your use of this information, you recognize and agree to hold Map Your Credit harmless from any liability as a result of your using this information, materials, products or services listed on the web site. Map Your Credit reserves the right to change any information at this web site without prior notice.

Billing / Cancellation/ Refund Policy:
By submitting the required elements on this web site, Map Your Credit will process your request for your credit report from one or all three of the national credit reporting agencies (CRAs), Equifax, Experian and Trans Union, which allows you access to all the information in your credit file at the time of the request, and may include debts relating to medical services. Due to the fact that we are charged from any and/or all of the three national CRAs at the time of the request, we have a NO REFUND policy, this includes ALL monthly and annual membership products. In the event you can not authenticate the required items in order to immediately view your report online, you will be provided contact information that in turn will help you obtain the requested report(s). There are some rare instances where one or more of the three national CRAs may not release your information to Map Your Credit for various reasons. You will be required to contact that CRA directly to resolve the issue. Map Your Credit is not responsible for any overdraft, over-the-limit charges or bank fees if your account contains insufficient funds at the time your order is processed and billed. You have the right to terminate your membership for any ongoing services at any time.

Credit Monitoring:
This is an ongoing service that is billed monthly or at a yearly rate. By accepting this agreement you are authorizing Map Your Credit to bill your credit card each month or annually at the agreed upon rate at the time of purchase. If you do not want to receive notifications of changes to your credit report that may suggest identity theft or other situations, you must contact a customer service representative at 1-800-XXX-XXXX and they will assist you. Email and fax cancellations will not be accepted. If you decide to discontinue and cancel the monitoring service and stop the billing, you will not be eligible or a pro-rated refund of any portion of your current month's charge.

* Please note it could take up to two weeks for new members to get enrolled in monitoring and start receiving monitoring alerts.