Privacy Policy

This Privacy Policy describes how Credit Comeback Club, LLC ("Company," "we," "us," or "our") collects, uses, stores, and protects personal information obtained through our website (creditcomebackclub.com), our client management and scheduling platform (DisputeFox), and any other interactions with our services.

1. Information We Collect

1.1 Information You Provide Directly

• Full name, address, phone number, and email address
• Date of birth and Social Security Number (collected through DisputeFox for credit report access and dispute processing)
• Credit report data from Experian, TransUnion, and Equifax
• Financial account information related to accounts being disputed
• Payment information (processed by our payment processor — we do not store full card numbers)
• Communications you send to us via email, phone, or text

1.2 Information Collected Automatically

• Website usage data including pages visited, time spent, and referring URLs
• IP address and browser type
• Cookies and similar tracking technologies used to improve site functionality

1.3 Information from Third-Party Platforms

• DisputeFox: Collects scheduling preferences and appointment details when you book a consultation through our client onboarding platform
• DisputeFox: Collects and stores client intake information, credit report data, dispute correspondence, and case notes as part of our client management workflow

2. How We Use Your Information

• To provide, manage, and improve our credit repair services
• To communicate with you about your case, progress, and account
• To draft and send dispute correspondence to data furnishers and creditors on your behalf
• To process payments and maintain billing records
• To schedule and conduct consultations
• To comply with applicable legal obligations under FCRA, CROA, and other applicable law
• To respond to inquiries and provide customer support

We do not sell your personal information to third parties. We do not use your information for advertising purposes unrelated to our own services.

3. How We Share Your Information

3.1 Service Providers

• DisputeFox (client management platform) — subject to DisputeFox's Privacy Policy
• Payment processors (e.g., Stripe, Square) — subject to their respective privacy policies
• Postal and mailing services used to send dispute correspondence

3.2 Creditors and Data Furnishers

In the course of providing credit repair services, we will send dispute correspondence and supporting documentation to data furnishers and creditors on your behalf. This is performed with your authorization.

3.3 Legal Requirements

We may disclose your information if required by law, court order, or governmental authority, or if we believe in good faith that such disclosure is necessary to protect our rights or your safety.

3.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction with advance notice provided.

4. Data Security

• Secure transmission of sensitive data (SSL/TLS encryption on our website)
• Access controls limiting who within our organization can view sensitive client data
• Use of established, reputable third-party platforms with their own security protocols

No method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Retention of Data

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Credit repair case records are typically retained for a minimum of 5 years following the conclusion of services. You may request deletion of your data subject to applicable legal retention requirements by contacting us at creditcomebackclub@gmail.com.

6. Your Rights and Choices

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal retention requirements
• Opt-Out: Opt out of any marketing communications at any time

7. Colorado Privacy Rights

As a Colorado-based company, we are subject to the Colorado Privacy Act (CPA), C.R.S. § 6-1-1301 et seq. Colorado residents have the right to access, correct, delete, and obtain a portable copy of their personal data, and to opt out of certain processing activities. To submit a privacy rights request, contact us at creditcomebackclub@gmail.com. We will respond within 45 days as required by applicable law.

8. Sensitive Personal Information

In the course of providing credit repair services, we necessarily collect sensitive personal information including Social Security Numbers and detailed financial account information. This information is collected solely for the purpose of performing credit repair services on your behalf and is handled with the highest level of care. We do not use sensitive personal information for any purpose beyond what is necessary to deliver our services.

9. Cookies and Tracking

Our website uses cookies and similar technologies to improve user experience and analyze site traffic. You may disable cookies through your browser settings; however, doing so may affect certain website functionality. We do not currently use third-party advertising cookies or cross-site tracking technologies.

10. Third-Party Links

Our website contains links to third-party websites including our client portal. This Privacy Policy does not apply to those third-party sites. We encourage you to review their privacy policies independently.

11. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated policy on our website with a revised effective date and will notify active clients of material changes via email.