Privacy Policy

1. Information we collect

Information you give us. When you fill out a form on this website, sign up for services, or talk with us, we may collect:

• Your name, email address, phone number, and mailing address
• Your date of birth and Social Security number (full or last 4 digits), which the credit reporting agencies use to identify you
• Copies of your government-issued ID, proof of address, and sometimes your Social Security card
• Login details for a credit monitoring service, so we can access your credit reports
• Information from your credit reports and letters you receive from credit reporting agencies or creditors
• Notes about your credit goals and anything else you choose to share with us

Information collected automatically. When you visit our website, we and the tools we use may collect basic technical information, such as your IP address, browser and device type, pages visited, how you arrived at the site, and the date and time of your visit. Some of this is collected through cookies (see Section 5).

2. How we use your information

We use your information to:

• Respond to your questions and requests
• Review your credit and provide the services you sign up for
• Prepare dispute letters and documents you ask us to prepare
• Communicate with you about your account, appointments, and progress
• Send you marketing emails and text messages, if you've agreed to receive them
• Understand how people use our website and improve it
• Measure and improve our advertising
• Keep records we are required to keep by law
• Protect against fraud and misuse of our website

Marketing messages. You can stop marketing emails at any time by clicking "unsubscribe" in any email. You can stop text messages by replying STOP. Message and data rates may apply. You don't have to agree to marketing messages to become a client.

3. How we share your information

We do not sell your personal information. We do not share your phone number or text messaging consent with third parties for their own marketing.

We share your information only in these situations:

• Credit reporting agencies and creditors. When you ask us to help dispute an item, our letters include the information needed to identify you and the account.
• Service providers. Companies that help us run our business, including our website host (Netlify), our client management software (Credit Repair Cloud), our video tool (Loom), our email and text messaging providers, our payment processor, and credit monitoring services. They may use your information only to provide services to us.
• Analytics and advertising platforms. We may use tools such as Google Analytics, Google Ads, and the Meta (Facebook and Instagram) Pixel. These tools may receive technical information about your visits through cookies. We do not give them the documents or credit information you send us.
• Legal reasons. If required by law, a court order, or subpoena, or to protect our rights or the safety of others.
• Business transfer. If our business is sold or merged, your information may be transferred to the new owner, who must continue to protect it.

4. How we protect and keep your information

We take reasonable steps to protect your information and limit access to people who need it to serve you. No website or storage system is completely secure, so we can't guarantee absolute security.

We keep your information while you are a client and afterward for as long as needed to meet legal, tax, and recordkeeping requirements. After that, we delete it or remove details that identify you.

5. Cookies

Cookies are small files your browser stores when you visit a website. We use:

• Necessary cookies that help the site and its forms work
• Analytics cookies that help us understand how visitors use the site
• Advertising cookies that help us measure our ads and show our ads to people who have visited our site

You can control these cookies in several ways:

• Block or delete cookies in your browser settings
• Opt out of Google Analytics with Google's browser add-on at tools.google.com/dlpage/gaoptout
• Manage Google ad personalization at myadcenter.google.com
• Manage Meta ad preferences in your Facebook or Instagram settings under "Ad preferences"

Some parts of the site may not work properly if you block all cookies.

6. Your choices and rights

You can:

• Ask to see the personal information we have about you
• Ask us to correct information that is wrong
• Ask us to delete your information, unless we must keep it by law
• Unsubscribe from marketing emails or texts at any time

To make a request, email us at the address below. Depending on the state you live in, you may have additional privacy rights, and we will honor them as required by law.

7. Children's privacy

Our services are for adults. We do not knowingly collect information from anyone under 18.

8. Links to other websites

Our site may link to other websites, such as AnnualCreditReport.com. We are not responsible for how those sites handle your information, so please read their privacy policies.

9. Changes to this policy

We may update this Privacy Policy from time to time. The "Last updated" date above shows when it last changed.

10. Contact us