Privacy Policy

1. Who We Are

Your Credit Business is software used by credit repair specialists to manage their practice and their clients. If you are a client working with a specialist, that specialist is the credit repair organization you have engaged; we provide the platform they use. This policy covers how the platform handles data.

2. Information We Collect

From clients:

• Name, email address, phone number, and date of birth
• Mailing address
• The last four digits of your Social Security number, stored encrypted. We do not store your full SSN.
• Credit reports and the tradelines within them
• Dispute cases, dispute letters, and bureau correspondence
• Documents you upload, such as identification and proof of address
• Credit goals, target score, timeline, and monthly budget
• Messages exchanged with your specialist
• Education progress
• Consent records, including what you agreed to, when, your IP address, and the document version

From specialists:

• Account and practice details
• Compliance acknowledgements made during onboarding
• Subscription and billing status

3. How We Use Your Information

• Analyze credit reports and identify potentially disputable items
• Generate dispute letters and credit strategies
• Send dispute correspondence, including by certified mail, and track responses
• Run scheduled dispute rounds and follow-ups
• Provide education content and track progress
• Process subscription payments
• Maintain audit logs required for compliance

4. Automated Analysis

We use automated tools, including AI models, to read uploaded credit reports and correspondence, classify which items may be disputable, and draft letters and strategies. These outputs are drafts for your specialist to review — they are suggestions, not decisions, and a person reviews work before it is sent.

5. Multi-Tenancy and Who Can See Your Data

Client records belong to the specialist practice that created them. Staff at that practice can see the clients assigned to it. Other practices on the platform cannot see your data.

6. Sharing Your Information

We do not sell your personal information. We share it only:

• With the credit bureaus, furnishers, and collectors named in a dispute you have authorized
• With the mail provider used to send physical dispute correspondence
• With service providers who run the platform, such as our hosting, AI, and payment providers
• When required by law, legal process, or to protect someone's safety

7. Payments

Payments are processed by Stripe. We do not collect or store your full card number — Stripe handles card data directly under its own privacy policy.

8. Data Retention

We keep your information for as long as your account is active. Credit repair records — including contracts, consents, and dispute correspondence — may need to be retained for a period after your engagement ends in order to meet legal and regulatory record-keeping obligations, even if you ask us to delete your account.

9. Your Rights

Depending on where you live, you may have the right to access, correct, export, or delete your personal information. To exercise any of these rights:

• Request deletion on the Delete My Data page
• Contact your specialist directly for records relating to your case
• Email support@example.invalid for anything else

You always have the right to dispute inaccurate information with the credit bureaus yourself, for free, without paying anyone to do it for you.

10. Security

We use industry-standard measures to protect your information, including encryption in transit, encryption of sensitive identifiers at rest, access controls that scope records to the practice that owns them, and audit logging. No system is perfectly secure, and we cannot guarantee absolute security.

11. Children

The platform is not directed at children under 18 and we do not knowingly collect their information.

12. Changes and Contact

We may update this policy. We will revise the date above and, for significant changes, notify you in the app or by email. Questions? Email support@example.invalid.