1. Information We Collect
To provide our credit repair services, we collect the following information:
- Personal Information: Name, email address, phone number, date of birth
- Identity Information: Social Security Number (encrypted, used only for credit report access)
- Address Information: Current residential address
- Financial Information: Payment card details (processed securely by Stripe)
- Credit Information: Credit reports from Equifax, Experian, and TransUnion
2. How We Use Your Information
We use your information to:
- Pull your credit reports from all three bureaus
- Analyze your credit history and identify disputable items
- Submit disputes on your behalf to credit bureaus
- Track the progress of your disputes
- Communicate with you about your account and services
- Process payments
3. Data Security
We take the security of your information seriously:
- All data is encrypted in transit using TLS 1.3
- Sensitive data (SSN) is encrypted at rest using AES-256
- We never store your full SSN after initial verification
- Payment processing is handled by Stripe (PCI-DSS compliant)
- Access to customer data is restricted to authorized personnel only
4. Information Sharing
We do not sell your personal information. We may share your information with:
- Credit Bureaus: To pull your credit report and submit disputes
- Payment Processors: Stripe, for payment processing
- Service Providers: Companies that help us operate our service
- Legal Requirements: When required by law or to protect our rights
5. Your Rights
You have the right to:
- Access your personal information
- Correct inaccurate information
- Delete your account and data
- Opt out of marketing communications
- Request a copy of your data
6. Cookies
We use essential cookies to keep you logged in and remember your preferences. We do not use advertising or tracking cookies.
7. Contact Us
If you have questions about this privacy policy or your data, contact us at:
Email: privacy@myntcredit.com