Credit Comeback LLC ("we," "us," or "our") is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our credit repair platform and related services. By using our Services, you consent to the practices described in this policy.
Personal InformationFull name, email address, phone number, date of birth, Social Security Number (last 4 digits for verification), mailing address, and government-issued ID when required for identity verification.
Financial InformationCredit reports, credit scores, account numbers (partial), creditor names, dispute details, payment history, and billing information processed through our secure payment provider (Stripe).
Usage DataIP address, browser type, device information, pages visited, time spent on pages, click patterns, and referring URLs collected through cookies and analytics tools.
CommunicationsMessages sent through our platform, emails, SMS messages, support tickets, and any documents you upload to your account.
Service DeliveryTo provide credit repair services, generate dispute letters, track dispute progress, and manage your account.
CommunicationTo send service updates, payment reminders, dispute status notifications, and respond to your inquiries via email and SMS.
Payment ProcessingTo process subscription payments, manage billing, and send payment receipts through our secure payment infrastructure.
Platform ImprovementTo analyze usage patterns, improve our services, fix bugs, and develop new features that better serve our clients.
Legal ComplianceTo comply with applicable laws, regulations, and legal processes, including FCRA and CROA requirements.
We do not sell, rent, or trade your personal information to third parties for marketing purposes. We may share your information only in the following circumstances:
• Credit Bureaus: We submit dispute letters containing your information to Equifax, Experian, and TransUnion on your behalf as part of the credit repair process.
• Service Providers: We use trusted third‑party services for payment processing (Stripe), email delivery, SMS messaging (Twilio), and cloud hosting (Supabase). These providers are contractually obligated to protect your data.
• Legal Requirements: We may disclose your information if required by law, court order, or government regulation, or if we believe disclosure is necessary to protect our rights or the safety of others.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction, subject to the same privacy protections.
We implement industry‑standard security measures to protect your personal information, including:
• SSL/TLS encryption for all data transmitted between your browser and our servers
• AES‑256 encryption for sensitive data stored in our databases
• Row‑level security policies ensuring users can only access their own data
• Regular security audits and vulnerability assessments
• Multi‑factor authentication options for account access
• Secure, PCI‑compliant payment processing through Stripe
• Automated backup systems with encrypted storage
While we strive to protect your information, no method of electronic transmission or storage is 100 % secure. We cannot guarantee absolute security but are committed to maintaining the highest practical standards.
We use cookies and similar technologies to enhance your experience:
• Essential Cookies: Required for the platform to function properly, including authentication and session management.
• Analytics Cookies: Help us understand how visitors interact with our website so we can improve the user experience.
• Preference Cookies: Remember your settings and preferences for future visits.
You can control cookie settings through your browser preferences. Disabling essential cookies may affect the functionality of the platform.
AccessYou can request a copy of all personal information we hold about you at any time through your account settings or by contacting support.
CorrectionYou can update or correct your personal information through your profile page or by contacting our support team.
DeletionYou can request deletion of your account and associated data. We will comply within 30 days, except for data we are legally required to retain.
Opt-OutYou can opt out of marketing communications at any time by clicking the unsubscribe link in emails or adjusting your notification preferences.
Data PortabilityYou can request an export of your data in a commonly used, machine‑readable format.
We retain your personal information for as long as your account is active or as needed to provide services. After account closure, we retain certain data for up to 7 years as required by financial regulations and tax laws. Dispute records and correspondence with credit bureaus are retained for 5 years. You may request earlier deletion of non‑essential data by contacting our support team.
Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete that information promptly. If you believe a child has provided us with personal information, please contact us immediately.
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):
• Right to Know: You can request details about the categories and specific pieces of personal information we have collected.
• Right to Delete: You can request deletion of your personal information, subject to certain exceptions.
• Right to Non‑Discrimination: We will not discriminate against you for exercising your CCPA rights.
• Right to Opt‑Out: You have the right to opt out of the sale of your personal information. We do not sell personal information.
To exercise these rights, contact us at privacy@creditcomeback.com or call (800) 555-0199.
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of material changes by posting the updated policy on our website and sending an email notification to registered users. The "Last Updated" date at the top of this page indicates when the policy was last revised. Your continued use of the Services after changes are posted constitutes acceptance of the updated policy.
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Credit Comeback LLC
Email: privacy@creditcomeback.com
Phone: (800) 555-0199
We aim to respond to all privacy‑related inquiries within 5 business days.