Privacy Policy

fixmyscore (“we”, “us”) provides credit repair services. This policy explains what information we collect through fixmyscore.net and our client portal, how we use it, and how we protect it.

Information we collect

• Contact and identity details you give us: legal name, phone number, email address, date of birth and legal address.
• Documents you upload: a government-issued ID, a photo of your Social Security card and a proof-of-address document.
• The login details for your Experian, Equifax and TransUnion accounts, which you choose to provide so we can review your credit reports and file disputes for you.
• If you sign in with Google, we receive only your name, email address and Google account ID. We do not access your Gmail, contacts, files or any other Google data.

How we use it

We use your information only to provide the services you hired us for: verifying your identity, reviewing your credit reports, preparing and submitting disputes to credit bureaus and creditors, and communicating with you about your case. We do not sell, rent or trade your information, and we do not use it for advertising.

Free Credit Report Check

When you use the Credit Report Check at fixmyscore.net/check, your PDF is opened in your own browser and is never uploaded. Your Social Security number, date of birth, name, address and phone number are removed on your device. Only the remaining report text is sent to our site, where an automated reader run through our hosting provider lists the accounts, inquiries and public records so we can rank them. We do not store the report text or your results, and we do not log their contents. Your results are kept only in your browser tab and are gone when you close it. If you choose to message us on WhatsApp from the results page, the message contains item types and counts only.

How we protect it

Sensitive details, including your date of birth, address, phone number and bureau logins, and every uploaded document are encrypted at rest with AES-256. Documents are never available at a public link. They can be viewed only by you and by authorized fixmyscore staff after signing in. Passwords for your fixmyscore account are stored only as one-way hashes.

Sharing

We share information only as needed to perform your services, for example with credit bureaus or creditors when disputing items on your behalf, or when required by law.

Retention and your choices

We keep your information while you are a client and for as long as needed to complete your services and meet legal obligations. You can view and update your details in the client portal at any time. To have your account and documents deleted, contact us and we will remove them.

Contact

Questions about this policy or your data: call or text 732-333-8995.