Privacy Policy

Last updated: February 6, 2025

1. Introduction

Credit 800 ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

2. Information We Collect

Personal Information

When you create an account, we collect:

  • Email address
  • Password (encrypted)

Credit Report Data

When you upload a credit report, we process:

  • Account information (creditor names, account numbers, balances)
  • Payment history
  • Public records
  • Inquiries
  • Personal identifying information contained in the report

Usage Data

We automatically collect:

  • Browser type and version
  • Device information
  • IP address
  • Pages visited and features used
  • Date and time of access

3. How We Use Your Information

We use your information to:

  • Provide and maintain the Service
  • Analyze your credit report and identify potential disputes
  • Generate personalized dispute letters and action plans
  • Communicate with you about the Service
  • Improve and optimize the Service
  • Detect and prevent fraud or abuse

4. AI Processing

We use artificial intelligence services to analyze your credit report data. This processing occurs on secure servers. The AI analysis helps identify disputable items and generate customized dispute letters. We do not use your credit report data to train AI models.

5. Data Storage and Security

Your data is stored using industry-standard security measures:

  • Credit reports are stored in encrypted cloud storage
  • Passwords are hashed and never stored in plain text
  • All data transmission uses TLS encryption
  • Access to data is restricted to authorized personnel only

6. Data Retention

We retain your account information and credit report data for as long as your account is active. You can delete your account and all associated data at any time through the Service. After account deletion, we may retain certain information as required by law or for legitimate business purposes.

7. Information Sharing

We do not sell your personal information. We may share your information with:

  • Service Providers: Third-party companies that help us operate the Service (cloud hosting, AI processing)
  • Legal Requirements: When required by law or to protect our rights
  • Business Transfers: In connection with a merger, acquisition, or sale of assets

8. Your Rights

You have the right to:

  • Access your personal information
  • Correct inaccurate information
  • Delete your account and data
  • Export your data
  • Opt out of marketing communications

9. Cookies and Tracking

We use essential cookies to maintain your session and preferences. We do not use third-party advertising cookies. You can configure your browser to reject cookies, but this may affect the functionality of the Service.

10. Children's Privacy

The Service is not intended for users under 18 years of age. We do not knowingly collect personal information from children under 18.

11. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your information, and the right to opt out of the sale of personal information (which we do not do).

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

13. Contact Us

If you have any questions about this Privacy Policy, please contact us through the Service.