Privacy Policy
Effective Date: October 25, 2025
Company Address: 62 Walnut Ave, Unit 65457, Hampton, VA 23665
Email: [email protected]
1. Purpose of This Policy
This Privacy Policy explains how Raise My Credit Score LLC (“Company,” “we,” “our,” or “us”)
collects, uses, protects, and shares your personal information when you use our website, enroll
in our credit restoration program, or interact with our services.
By accessing or using our services, you consent to the terms described in this policy.
2. Information We Collect
We collect only the information needed to deliver and manage your credit restoration services
effectively.
Information You Provide:
Full name, mailing address, phone number, and email
Date of birth (for identity verification)
Credit monitoring login credentials (only if provided voluntarily)
Credit reports from Experian, Equifax, and TransUnion
Payment information (processed securely through Stripe or PayPal)
Communication records and documents related to disputes
Information Collected Automatically:
IP address, browser type, and device identifiers
Website usage analytics (via cookies and analytics tools)
We do not sell or rent your personal information under any circumstances.
3. How We Use Your Information
We use your information solely to:
Prepare, manage, and track credit-report disputes
Generate AI-powered case files for potential FCRA violations
Communicate updates and service notifications
Process payments and issue invoices or receipts
Provide educational resources and financial guidance
Comply with legal, regulatory, and auditing requirements
4. AI Case File Generation
Our proprietary Credit Flow AI Algorithm scans your credit reports for potential legal violations
under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act
(FDCPA).
When violations are detected:
The system generates a secure case file outlining the violation and evidence.
The case file may be referred to a licensed attorney only with your consent.
We do not provide legal advice or representation; all legal action is handled by licensed
professionals.
All AI processing complies with privacy and security best practices.
5. Data Sharing & Third Parties
We share limited data only with trusted third parties necessary to deliver our services:
Credit bureaus (Experian, Equifax, TransUnion) for dispute processing
Certified mail providers for letter delivery
Credit monitoring platforms (IdentityIQ, SmartCredit, MyScoreIQ)
Payment processors (Stripe, PayPal)
Attorneys or consumer law firms (only with written consent)
Each partner is contractually required to maintain confidentiality and security of all shared data.
6. Data Security
We use strong technical and organizational safeguards to protect your data, including:
Encrypted storage and transmission of all sensitive information
Secure client portal access with two-factor authentication
Regular system audits and compliance checks
Limited employee access on a need-to-know basis
Despite these measures, no system is 100% secure. We encourage you to use strong passwords and never share your login details.
7. Cookies & Tracking
Our website uses cookies to improve performance, analyze usage, and personalize your experience. You can disable cookies in your browser settings at any time. Doing so may limit some site
functionality.
8. Your Rights
You have the right to:
Access, correct, or delete your personal data
Request a copy of your dispute history
Withdraw consent for data use (which may limit services)
Request that your information not be shared with any third party
To exercise these rights, email [email protected]. We respond to verified requests within 30 business days.
9. Children’s Privacy
Our services are intended for adults 18 and older.
We do not knowingly collect data from anyone under 18.
If we learn that a minor has submitted information, it will be deleted immediately.
10. Data Retention
We retain data only as long as needed to:
Complete your credit restoration services
Maintain records for legal or tax compliance
Defend against potential disputes or legal claims
After completion, sensitive data (like credit reports or IDs) is permanently deleted.
11. Communications Consent
By providing your phone number or email, you consent to receive service-related communications, updates, and notifications from Raise My Credit Score LLC.
You may opt out anytime by replying STOP to SMS messages or emailing [email protected].
12. Changes to This Policy
We may update this Privacy Policy periodically. Updates will be posted with a new “Effective
Date.”
Your continued use of our services after changes are posted means you accept the revised
policy.
13. Contact Us
If you have questions or concerns about this Privacy Policy, contact us at:
📧 Email: [email protected]
📬 Mail: Raise My Credit Score LLC, 62 Walnut Ave, Unit 65457, Hampton, VA 23665
Client Acknowledgment
By using Raise My Credit Score LLC’s website or services, you confirm that you’ve read,
understood, and agree to this Privacy Policy.
Copyrights 2023 | Raise My Credit Score LLC™ | Privacy Policy | Terms & Conditions