Privacy Policy

Last Updated December 2019


Your privacy is important to (The terms, “we”, “us” and “our” throughout this document mean Please read our Privacy Policy carefully to understand how we collect, use, disclose, transfer, and store your information. By visiting our website or agreeing to content that includes a link to this document (“Online Ads”), you agree to the practices described in this Privacy Policy and our Terms of Use. (Specific state privacy protections are listed in Section 13 of this Privacy Policy).

1. Our Collection and Use of Personal Information

The Website is a service made available by If you do not agree to the Website Terms, you may not use the Website. We may modify the Website Terms at any time. If you do not agree to the changes, you must discontinue using the Website, discontinue using’s services, rescind your request that contact you about its credit jack services, and/or discontinue your participation in’s Text Message Program before the changes take effect. Your continued use of the Website, use of’s services, request that contact you about its Credit Jack services, and/or participation in’s Text Message Program after any such changes take effect constitutes your acceptance to such changes. Each time you visit or log in to the Website, continue using’s services, continue your request that contact you about its credit jack services, and/or participate in’s Text Message Program, you reaffirm your acceptance of the Website Terms. You are responsible for regularly reviewing the Website Terms, by clicking on the “Terms of Use” link at The Website Terms may be supplemented by additional terms and conditions applicable to privacy, specific areas of this Website, or to where particular content or transactions are posted in particular areas of the Website and, together with the Website Terms, govern your use of those areas, content, or transactions.

2. Examples of Personal Information We Collect and How We Use It

The Website gives users information about’s credit jack services, general educational and informational resources about credit, and the ability to sign up for and engage’s services.

3. Our Collection and Use of Non-Personal Information

You are not required to sign up for’s services in order to visit and read material on the Website; however, you will need to sign up if you want to assist you in your efforts to improve your credit reports and rating. If you sign up, you agree to provide accurate and complete information. You must be legally capable to enter into contracts. It is your responsibility to make any updates to that information. Each sign-up is for a single person only. We do not permit any other person to enroll in’s services on behalf of another unless you have an appropriate Power of Attorney. You are responsible for preventing such unauthorized use. If you believe there has been unauthorized use, you should notify immediately by emailing .

If you participate in’s Text Message Program after you sign up for services, you may stop receiving servicing text messages by texting STOP (and no other words or characters) to the short code from which you received the text message(s). Almost all STOP requests are taken care of immediately, but it may take up to 3 business days from the date you text STOP to be removed from’s texting list(s). Note that texting STOP in response to a servicing text message will only stop servicing text messages, and will only stop text messages to the phone number you used to text STOP.

4. Examples of Non-Personal Information We Collect and How We Use It

Should you choose to sign up for’s services, you will enter into a separate written agreement with Each file we create in conjunction with this separate written agreement is called a “Member File.” Your Member File will continue to be subject to the agreements otherwise governing them, except where so noted in the related agreement. Each Member File will be subject to the following:

5. Our Sharing of Information with Others

You authorize to provide access to your Member File(s) through its online services. You may access your Member File(s) at (the “Member Website”) to obtain account payment information, a sequential docket of services provided and notes made to the file, credit report information received from you by and input into your file, your disputing instructions, and other information. To access a Member File through the online service you must have a password and the required hardware and software. Subject to the terms of this agreement and any separate written agreement(s), you will generally be able to access your Member File through the Member Website seven days a week, 24 hours a day. Member File information is posted to the file at the time work is completed on the Member File.

At certain times, the online services may not be available due to system maintenance or circumstances beyond our control. During these times, you may call at 1-800-000-0000 or send an E-mail to obtain information about your Member File.

6. Transparency and Choice

The Website contains information, content or advertisements text, photographs, designs, graphics, images, sound and video recordings, animation and other materials and effects (collectively, the “Content”) that are protected by copyrights, trademarks, service marks, trade dress, patents or other intellectual or proprietary rights owned by or other third parties. All trademarks and copyrighted information contained on the Website are the property of their respective owners. Further, retains all rights (including intellectual property rights), title and interest in the Website, technology, and all underlying technology and data including any enhancements, software, applications and improvements related to the Website (the “Technology”)(the terms Content and Technology collectively will be referred to as the “Materials”). You may not remove from any electronic or printed copy any copyright, trademark, or other proprietary notice.

7. Social Media Plug-ins provides the Website and the Materials for your individual, non-commercial use and solely for the purpose of carrying out individual transactions with the Website. Any other use of the Website or the Materials is strictly prohibited. You may not, either directly or indirectly

8. Information Security and Retention

By using the Website, uploading content to or submitting any materials for use on the Website, you grant (or warrant that the owner of such rights has expressly granted) a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from and distribute such materials and/or information generated through use of the Website or incorporate such materials and/or information generated through use of the Website into any form, medium, or technology now known or later developed throughout the universe. We need these rights to host and display your content.

Anonymous, aggregate information that does not contain personally identifiable information, comprising account information, or other available data that is collected through your use of the Website, may be used or licensed by for various purposes including but not limited to conducting certain analytical research, performance tracking, CreditJack, helping to improve products and services and to assist in troubleshooting and technical support.

9. Third Party Privacy Policies

The Website may use robot exclusion methods, which include robots.txt files and HTML meta tags, which expressly allow and/or exclude specified automated programs from accessing certain portions of the Website. Much of the information on the Website is updated on a real time basis and is proprietary or is licensed to by our users or third parties. You agree that you will not use any robot, spider, scraper or other automated means to access the Website for any purpose, including but not limited to performing “offline” searches and mirroring, without our express written permission as indicated in the then current robots.txt file or HTML meta tags on the Website. Additionally, you agree that you will not bypass our robot exclusion methods or other measures we may use to prevent or restrict access to the Website.

10. Children

You may provide links only to the homepage of this Website, provided (a) you do not remove or obscure, by framing or otherwise, any portion of the homepage, (b) you give notice of such link by sending an e-mail to and (c) you discontinue providing links to this Website if requested by If you wish to provide links to a section within the Website, you should forward your request to and will notify you if, within its sole and unfettered discretion, permission is granted, and, if so, the terms and conditions of the permission.

11. Privacy Policy Changes and Questions

You represent and warrant to us that (a) you are legally capable to enter into contracts, (b) you are providing us at all times true, accurate and up to date information about yourself, (c) you will comply at all times with the Website Terms and applicable law and (d) your use of the Website and any transactions that you make with us will not violate the rights of any third party.’s services and Website, the underlying information, software and technology are subject to U.S. export controls. None of the Website services or content may be downloaded, or otherwise exported or re-exported (i) into (or to a national or resident of) Cuba, North Korea, Iran, Sudan, Syria or any other country subject to U.S. sanctions applicable to the export or re-export of goods, (ii) to anyone on the U.S. Treasury Department’s List of Specially Designated Nationals and Blocked Persons List, or the U.S. Commerce Department’s Denied Persons List, Unverified List, Entity List or Nonproliferation Sanctions List. By using’s services and Website, you agree to the foregoing and you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list, and that you acknowledge you are responsible to obtain any necessary U.S. government authorization to ensure compliance with U.S. law.

12. Request for Information makes every effort to ensure the information presented in, on or through its Website is accurate; however, makes no guarantee as to such information, and is not responsible for any resulting loss or damage.

13. State Privacy Protections makes no representations regarding the availability and performance of its Website. You hereby acknowledge that any use of the Website and reliance upon any Materials shall be at your sole risk and that shall not be liable for any loss of data, lost profits or any other damages or losses resulting from such use