Privacy

1. Who this is about

You. If you send us your credit reports, or fill in the free review form, or email us, we hold what you sent and we are responsible for it. There is no second party to point at.

2. What we ask you for

• Your name, an email address and a phone number.
• The credit reports you choose to send. You choose which, and you can send none.
• Documents that prove one specific point, like a lease or a statement.
• Notes of what was said on your calls and what was decided.

3. What we never ask for

• Your Social Security number in full, by email or on a form.
• A password to any account, for any reason. Nobody legitimate needs one.
• A card number before there is anything payable, which under CROA 1679b(b) is never before the work is done.
• Access to your bank or to a credit monitoring account.

4. What this website stores in your browser

This site sets no cookies at all. It loads no third party script, embeds no map and makes no third party request. It can write four keys to localStorage, all of which stay in your browser and are never transmitted, and it writes none of them until you have answered the storage notice:

• uw.consent.v1 holds your answer to that notice, and nothing else. It is the only key written on a No.
• uw.a11y.v1 holds your reading controls: motion, text size, high contrast and link underlines.
• uw.tenant.v1 holds the colour scheme you picked at the foot of the page.
• uw.role.v1 holds which of the two navigation sets you last used, so it stays where you left it.

Answering Do not store deletes anything a previous Yes had written, and the same controls keep working for the page you are on. You can reopen the notice from Storage at the foot of any page and change your answer at any time.

5. Who sees what you send

The person handling your file, and one colleague in case they are away. The credit agency sees what is in the letter, and only what the letter needs. Nobody else. Nothing is sold, nothing is shared with a marketing partner, and nothing is used to train anything.

6. How long it is kept

While your file is open, and afterwards for as long as you want it, because the file is the thing you are left with. Ask for it to be deleted at any time and it goes within a few working days. You do not have to give a reason.

What survives a deletion request is the bare commercial record: that you were a client, what you were invoiced and when. That is a tax record and we cannot delete it.

7. Getting a copy, or getting it deleted

Email [email protected]. A copy comes back as one file with everything in it. Deletion is confirmed in writing. Both are free, neither is limited to once a year, and neither needs a reason.

8. Who else we send things to

The credit agencies and, where relevant, the company that reported the item. The postal carrier handles the envelope. Nothing else leaves this office, and there is no analytics provider, no advertising network and no chat vendor to name.

9. If something goes wrong

If we lose control of information that identifies you, we will tell you what happened, what was in it, and what to do about it, and we will do that as soon as we know rather than when we have finished deciding how to phrase it.

10. Your rights about your credit file, which are separate

Everything above is about us. Your rights about the file the credit agencies hold are set out in the Fair Credit Reporting Act and are written out in plain terms on this page. They include a free copy of your file at annualcreditreport.com, the right to dispute anything on it at no cost, and the right to add your own statement to it.

11. If you are not happy with us

Say so, to the complaints address on the contact page, and it will be read by somebody who was not involved. You do not have to come to us first: the Consumer Financial Protection Bureau and your state attorney general both take complaints about credit repair companies directly, both are free, and both are better routes if you think a law has been broken.

12. Changes

If this changes materially, the date at the top changes and anybody with an open file is told by email. It will not change retroactively for information you have already sent.