Before you send anybody your report
What is held, and who sees it
A credit report is one of the most revealing documents you own. Before you email it to anybody, including us, you should know exactly what happens to it. This page is that, without the paragraph of legal cover.
Questions about any of this go to [email protected] and get answered by a person.
What we ask for
- Your name, an email address and a phone number
- The credit reports you choose to send us
- Documents that prove a specific point, like a lease or a statement
- Nothing else, and never your online banking login
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
- A card number before there is anything to pay for
- Access to your bank, or to a credit monitoring account
Who sees it
- The person handling your file, and one other in case they are away
- The credit agency, in the letter, and only what the letter needs
- Nobody else. It is not sold, shared, or used to advertise anything
How long it is kept
- While the file is open, and for as long afterwards as you want it
- Deleted within a few days of you asking, at any time, without a reason
- What is left after deletion is the fact that you were a client and what you were charged, which is a tax record
What this website does
Separately from anything you send us, the site itself. It is short because there is very little of it.
- No cookies at all. Not analytics, not advertising, not "essential". None.
- No third party requests. The fonts are served from here. There is no map embed, no chat widget, no tag manager and no pixel.
- Four browser keys, and only if you say yes. Your colour scheme, your reading controls, which of the two navigation sets you last used, and your answer to the storage question.
- You are asked before anything is written. Declining is one button, the same size as accepting, and it also deletes anything a previous yes had stored.
You can change that answer at any time from Storage at the foot of any page.
If you think somebody has your details
Identity theft is a different problem from a credit dispute and it has better routes. Do these first, and do them before hiring anybody.
- Place a fraud alert. Free, one call to any one of the three agencies, and they have to tell the other two.
- Freeze your files. Free at all three by law. It stops new accounts being opened and you can lift it whenever you need to.
- Report it at IdentityTheft.gov. The Federal Trade Commission site. It produces the affidavit the agencies will ask you for.
- Then dispute the entries. With the report in hand, accounts opened fraudulently come off under a stronger route than an ordinary dispute.