Map Your Credit

With over thirty years in the credit reporting industry, we have seen it all. We have worked with creditors, mortgage lenders, banks, and brokers on behalf of consumers going through the mortgage loan process. In that time, we have developed a pretty extensive knowledge of credit reporting and the factors that result in good and bad credit. We have seen firsthand the effects that removing erroneous data can have on an individual’s ability to qualify for a loan.

Your credit file is a compilation of all of your credit lines and your credit activity. Your credit score represents a moment in time snapshot that grades your creditworthiness. In general, the higher the score, the more creditworthy you are, and the more willing banks and creditors will be to lend you money.

Credit Lines	+	Credit Activity	=	Credit Score
Auto Loans		Payment History
Credit Cards		Delinquencies
Mortgages		Foreclosures
Installment Loans		Charge Offs

While it is possible to know in general, the factors that contribute to good credit, your actual credit score is based on countless variables. With our experience, knowledge, and state of the art software, we are able to analyze your credit file and determine which actions can truly impact your credit and which aren’t worth your time or money.

We have seen too many people take bad advice or fall for scams only to be left disappointed. That is why we created Map Your Credit. We believe that consumers have the right to understand how to build and maintain solid credit.

With the threat of FHA increasing the middle credit score requirement from 620 to 693 in order to qualify for a home loan, it now is even more imperative that you know what is required to optimize and maintain your credit. Let us work with you to create a customized “map” for smart credit decisions.

MAP IT!