Privacy Policy

Last Updated: June 1, 2026

Connect Credit (“we,” “us,” or “our”) is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or use our credit repair and credit education services. By accessing our website or using our services, you agree to the practices described in this policy.

1. Introduction

Connect Credit provides credit repair, credit coaching, and financial literacy services to consumers. We understand that your personal and financial information is sensitive, and we take your privacy seriously. This Privacy Policy applies to all information collected through our website, service forms, phone consultations, and any related communications. We comply with applicable federal and state privacy laws, including the Fair Credit Reporting Act (FCRA) and the Gramm-Leach-Bliley Act (GLBA) where applicable.

We may update this policy from time to time. When we make material changes, we will notify you by posting the updated policy on this page with a revised “Last Updated” date. We encourage you to review this policy periodically.

2. Information We Collect

We collect information you voluntarily provide to us when you express interest in our services, request a free consultation, sign up for an account, or communicate with us. The types of information we may collect include:

Personal Identification Information: Full name, date of birth, Social Security number (or last four digits), driver’s license or state identification number, and other government-issued identifiers.
Contact Information: Mailing address, email address, phone number, and preferred method of contact.
Financial and Credit Information: Credit reports and credit scores from one or more consumer reporting agencies, information about your credit accounts, payment history, debt obligations, and any supporting documentation you provide related to disputes or credit items.
Employment and Income Information: Employer name, occupation, income range, and other financial background information relevant to your credit profile.
Communication Records: Records of your correspondence with us, including phone call recordings (where permitted by law), emails, text messages, and chat communications.
Technical Information: When you visit our website, we may automatically collect certain information through cookies and similar technologies, including your IP address, browser type, operating system, referring URLs, pages viewed, and the dates and times of your visits.

3. How We Use Your Information

We use the information we collect for the following purposes:

Service Delivery: To provide credit report analysis, draft dispute letters, offer credit coaching, and perform other services you have requested.
Consultation and Onboarding: To evaluate your credit situation during a free consultation and determine the appropriate service plan for your needs.
Communication: To respond to your inquiries, send service updates, appointment reminders, and account-related notifications.
Compliance and Legal Obligations: To comply with applicable laws and regulations, including the FCRA, GLBA, state credit repair statutes, and any court orders or legal processes.
Improvement and Analytics: To analyze website usage trends, improve our website and service offerings, and enhance the user experience.
Marketing (with consent): To send you promotional materials, newsletters, or offers related to our services, where you have provided your consent. You may opt out at any time.

4. How We Protect Your Information

We implement a variety of administrative, technical, and physical security measures to safeguard your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

Encryption of sensitive data in transit using TLS 1.2 or higher and at rest using industry-standard encryption protocols.
Secure, access-controlled servers and data storage facilities.
Multi-factor authentication and strict access controls for personnel handling personal information.
Regular security audits, vulnerability assessments, and employee training on data protection best practices.
Written information security policies and incident response procedures.

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we are committed to taking all reasonable steps to protect your data.

5. Your Rights Under the FCRA

The Fair Credit Reporting Act (FCRA) gives you important rights regarding your credit information. In addition to the rights described in our FCRA notice, you have the following rights:

Right to Access: You are entitled to a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) every 12 months at AnnualCreditReport.com.
Right to Dispute: You have the right to dispute inaccurate or incomplete information in your credit report directly with the credit bureaus.
Right to Have Errors Corrected: If a credit bureau finds that information in your report is inaccurate, it must correct or delete that information within a reasonable time (generally 30 days).
Right to Add a Statement: If a dispute does not resolve in your favor, you may add a brief statement (up to 100 words) to your credit file explaining your side.
Right to Privacy: Your credit report may only be accessed by entities with a permissible purpose under the FCRA, such as lenders, employers (with your consent), insurers, and landlords.
Right to Sue: You may bring a private action against any person who violates the FCRA and recover actual damages, punitive damages, and attorneys’ fees.

6. Cookies & Tracking

Our website uses cookies, web beacons, and similar tracking technologies to enhance your browsing experience, analyze website traffic, and understand where our visitors come from. Cookies are small text files stored on your device by your web browser.

Types of Cookies We Use:

Essential Cookies: Required for the basic functionality of our website, such as maintaining session state and security.
Analytics Cookies: Help us understand how visitors interact with our website by collecting anonymous information about pages visited, time spent, and error messages.
Functionality Cookies: Remember your preferences and settings to provide a personalized experience.

You can control cookies through your browser settings. Most browsers allow you to block or delete cookies. However, if you disable cookies, some features of our website may not function properly. We do not use cookies for targeted advertising purposes.

7. Third-Party Services

We may share your information with trusted third-party service providers who assist us in operating our business and delivering services to you. These third parties are contractually obligated to maintain the confidentiality and security of your information and may only use it for the specific purposes we authorize. Categories of third parties we may engage include:

Consumer reporting agencies (credit bureaus) for the purpose of obtaining and disputing credit report information.
Secure document processing and mailing services for dispute letters and correspondence.
Cloud hosting and data storage providers.
Payment processors for billing and subscription management.
Communication platforms for email, SMS, and phone services.

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes. We may disclose your information if required to do so by law, such as in response to a valid subpoena, court order, or government request.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. Generally, we retain client records for a minimum of five (5) years after the conclusion of services to comply with applicable regulatory and legal obligations.

When we no longer have a legitimate business need to retain your information, we will securely delete or anonymize it. In some circumstances, we may retain aggregated, anonymized data for analytical purposes indefinitely.

9. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal information without verifiable parental consent, we will take steps to delete that information promptly. If you believe a child has provided us with personal data, please contact us immediately at the address below.

10. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Connect Credit
Attn: Privacy Compliance
123 Main Street, Suite 400
Houston, TX 77002
(800) 555-1234
privacy@credit-restoration.org

We will acknowledge receipt of your inquiry within five (5) business days and work to resolve your concern promptly. If you have an unresolved privacy concern, you may file a complaint with the Federal Trade Commission at ftc.gov/complaint.