Privacy Policy

Data Controller

Credit Repair Cloud

Collected Personal Data 

Contact and Identifying Information

Full legal name, email address, phone number, and physical mailing address.Date of birth and government-issued ID copies (driver's license or photo ID) uploaded during onboarding.Social Security Number (SSN) or ITIN (collected securely through your client portal authorization).

Financial and Credit Data

Credit reports, credit scores, and history obtained from credit bureaus or third-party credit monitoring services via client authorization.Dispute details, including communications with bureaus and reasons for challenging line items.Billing and payment data, such as credit card or bank account info processed through your integrated merchant billing.

Technical and Website Data

IP addresses, browser types, and device information gathered via standard website logs. Cookies and analytics tracking user behavior and form interactions on your landing pages.

Purpose of collecting data
 

Service Delivery and Credit Repair Actions

Fulfilling contractual obligations: Explicitly state that you use names, dispute details, and credit reports to analyze credit history, identify inaccuracies, and draft dispute letters on the client's behalf.Communicating updates: Explain that email addresses and phone numbers are required to send progress updates, alert clients to changes in their Credit Repair Cloud portal, and provide customer support.

Identity Verification and Fraud Prevention

Creditor and bureau authentication: Clarify that dates of birth, SSNs, and government-issued ID copies are strictly used to verify the client's identity. This prevents fraud and proves to credit bureaus (Experian, Equifax, TransUnion) and creditors that the dispute is legitimately coming from the consumer.Security compliance: State that these sensitive identifiers ensure the business remains compliant with data protection laws governing credit services.

Financial Transactions and Billing

Processing payments: Specify that billing profiles and payment data are collected solely to process monthly auditing fees, setup fees, or recurring subscription charges via your secure merchant account gateway.

Technical and Security Operations

Website functionality: Disclose that IP addresses and device information are processed to secure your website, detect malicious traffic, and prevent unauthorized portal access.Marketing and optimization: State that cookies and tracking pixels are utilized to analyze web traffic, evaluate landing page performance, and optimize marketing campaigns.