1. Information We Collect

Information you give us

• Identity information — full legal name, date of birth, Social Security number, government-issued ID, and previous or current addresses.
• Contact information — email address, phone number, and mailing address.
• Credit and financial information — credit reports and scores from Equifax, Experian, and TransUnion; account histories; collection accounts; charge-offs; late payments; public records; and documents you upload to support a dispute.
• Verification documents — proof of address (such as a utility bill), identity documents, police reports or identity theft affidavits, and correspondence from creditors or collection agencies.
• Payment information — billing name and address, and payment card or bank details, which are processed by our third-party payment processor. We do not store full card numbers on our systems.
• Communications — messages you send us by email, contact form, live chat, text, or phone, including any recordings or transcripts where permitted by law.

Information collected automatically

• IP address, approximate location, browser type, device type, and operating system.
• Pages viewed, links clicked, time on page, referring URL, and exit pages.
• Cookies, pixels, and similar technologies as described in Section 9.

2. How We Collect Information

We collect information directly from you when you request a credit review, sign up for Services, book a consultation, subscribe to our mailing list, chat with us, or contact us. We also collect information automatically through the Site, and we receive information from third parties such as credit monitoring providers, credit reporting agencies, our payment processor, and analytics or advertising partners.

3. How We Use Your Information

We use the information we collect to:

• Review your credit profile and identify inaccurate, incomplete, outdated, or unverifiable items.
• Prepare, send, and track disputes and other correspondence with credit bureaus, creditors, collection agencies, and data furnishers on your behalf.
• Build and deliver your personalized credit strategy, progress updates, and educational materials.
• Verify your identity and prevent fraud, including confirming that you are the person authorizing work on your credit file.
• Process payments, issue receipts, and maintain billing records.
• Respond to your questions and provide customer support.
• Send service-related notices and, where you have opted in, marketing messages about our Services.
• Improve the Site and our Services, measure performance, and understand how visitors use our pages.
• Comply with legal obligations and enforce our Terms & Conditions.

4. How We Share Information

We share your information only as described below:

• Credit reporting agencies, creditors, and data furnishers — to submit disputes, requests for verification, goodwill letters, and related correspondence you have authorized.
• Service providers — credit repair software and CRM platforms, secure document storage, mailing and print vendors, email and SMS providers, payment processors, and IT support. These providers may only use your information to perform services for us.
• Professional advisors — attorneys, accountants, and auditors where reasonably necessary.
• Legal and safety — where required by law, subpoena, court order, or government request, or to establish, exercise, or defend legal claims, or to protect the rights, property, or safety of our clients, our team, or the public.
• Business transfers — in connection with a merger, acquisition, financing, or sale of assets, subject to this policy continuing to apply to your information.
• With your direction — to any other party you specifically ask us to share with, such as a lender, mortgage broker, or car dealership.

5. We Do Not Sell Your Information

We do not sell your personal information, and we do not rent, trade, or otherwise disclose your credit report data, Social Security number, or financial documents to third parties for their own marketing purposes.

6. Credit Bureaus & Third Parties

To deliver the Services, we may need you to enroll in a credit monitoring service or provide us with copies of your credit reports. Those providers operate under their own privacy policies and terms, which we do not control. We encourage you to review them before enrolling.

You always have the right to obtain a free copy of your credit report from each nationwide credit reporting agency, and you may dispute inaccurate information yourself, at no cost, without hiring anyone. See our Terms & Conditions for the full statement of your rights.

7. SMS & Text Message Consent

If you provide your mobile number and opt in, we may send you text messages about your account, dispute progress, appointment reminders, and—where you have separately agreed—promotional offers. Message frequency varies. Message and data rates may apply.

• Reply STOP to any message to unsubscribe. Reply HELP for assistance.
• Consent to receive marketing texts is not a condition of purchasing any Service.
• We do not share mobile numbers or SMS consent with third parties or affiliates for their marketing purposes. Numbers are shared only with the messaging providers that deliver our texts.

8. Email & Marketing Choices

If you subscribe to our mailing list, we will send updates and offers about our Services. You can unsubscribe at any time using the link at the bottom of any marketing email, or by contacting us. We will still send you transactional messages about your account, disputes, and billing.

9. Cookies & Tracking

We use cookies and similar technologies to keep the Site working, remember your preferences, measure traffic, and understand which content is useful. Categories include:

• Essential cookies — required for the Site, forms, and chat to function.
• Analytics cookies — help us see which pages perform well and where visitors leave.
• Advertising cookies — may be used by advertising partners to measure campaigns or show relevant ads on other sites.

You can block or delete cookies through your browser settings. Some features of the Site may not work correctly if essential cookies are disabled. Where your browser sends a Global Privacy Control (GPC) signal, we treat it as an opt-out request where applicable law requires.

10. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information, including encrypted transmission, access controls that limit client files to authorized personnel, and secure storage of documents. Please note that no method of transmission or storage is completely secure, and we cannot guarantee absolute security. Never send your Social Security number or identity documents through unsecured channels such as social media messages.

11. Data Retention

We keep your information for as long as your account is active and afterward for as long as needed to complete disputes in progress, resolve disputes with you, maintain required business and tax records, and comply with our legal obligations. When information is no longer needed, we delete it or render it unreadable. You may request deletion as described in Section 12.

12. Your Privacy Rights

Depending on where you live, you may have the right to:

• Know what personal information we have collected about you and how we use it.
• Request a copy of that information.
• Request correction of inaccurate information.
• Request deletion of your information, subject to legal exceptions.
• Opt out of marketing communications and of the sharing of personal information for targeted advertising.
• Not be discriminated against for exercising any of these rights.

To exercise a right, get in touch with us as described in Section 16. We will verify your identity before acting on your request, and we will respond within the timeframe required by applicable law. You may use an authorized agent where the law permits.

13. Children’s Privacy

Our Site and Services are intended for adults aged 18 and over. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, contact us and we will delete it.

14. Third-Party Links

The Site may link to third-party websites, including social media pages, review platforms, and credit monitoring providers. We are not responsible for their content or privacy practices. Review their policies before providing information.

15. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date at the top of this page. Material changes may also be communicated by email or a notice on the Site. Continued use of the Site or Services after an update means you accept the revised policy.