Last Updated: August, 2026
1. Information We Collect
To provide credit analysis and repair services, [Your Business Name] ("we," "us," or "our") must collect highly sensitive Non-Public Personal Information (NPI) from you. This includes:
- Identifiers: Full legal name, date of birth, Social Security Number (SSN), current and historical mailing addresses, telephone numbers, and email addresses.
- Financial Data: Credit reports, credit scores, account histories, payment records, bank account details, and credential access to third-party credit monitoring services.
- Verification Data: Government-issued photo identification (driver's license/passport), utility bills, or social security card copies required by credit bureaus to verify your identity.
2. How We Use Your Information
We use your personal data strictly to perform our contractual services, including:
- Reviewing, auditing, and analyzing your credit profile across Equifax, Experian, and TransUnion.
- Drafting and transmitting dispute letters, challenge notices, and correspondence directly to credit bureaus, creditors, and collection agencies.
- Processing lawful invoices and payments via our secure billing portal.
3. Absolute Prohibition on Data Selling and Sharing
We enforce a strict privacy standard. We do not sell, rent, trade, or lease your personal data, credit file information, or contact details to any third-party marketing companies, lead generation companies, or external service providers. Your information is shared exclusively with:
- Consumer Reporting Agencies (CRAs), creditors, and entities directly involved in investigating your credit disputes.
- Secure, PCI-compliant third-party financial processors to clear authorized transaction payments.
4. Data Security and Safeguards
We implement robust administrative, technical, and physical safeguards designed to secure your sensitive information against unauthorized access, loss, or alteration. All electronic documentation is protected using bank-grade AES 256-bit encryption during storage and transmission.
5. SMS and Email Marketing Communications
We value your privacy and control over your communications. When you opt in to receive text messages or promotional emails from [Your Business Name], the following specific terms apply:
- Information Shared: We collect your mobile phone number, email address, and communication preferences strictly to send you credit repair industry updates, marketing offers, billing reminders, and dispute status alerts.
- Carrier Compliance & 10-DLC Protection: Your mobile information is handled with the highest level of security. In accordance with wireless carrier regulations, [Your Business Name] strictly prohibits the sharing, renting, or selling of your SMS opt-in data or phone numbers with any third-party marketers, affiliates, or external entities for their own commercial goals.
- How to Opt Out of Text Messages: You may cancel the SMS service at any time. Simply text the keyword STOP to our business number in response to any message. After you send the SMS message STOP to us, we will send you a single confirmation text message confirming that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time.
- How to Opt Out of Emails: You can unsubscribe from our marketing emails at any time by clicking the Unsubscribe link located at the bottom of any promotional email we send. Please note that opting out of marketing emails does not stop mandatory transactional emails, such as monthly receipts or contract compliance notices required under the Florida Credit Service Organizations Act.