Privacy Policy

This Privacy Policy describes how CreditGM ("we," "us," or "our") collects, uses, and protects your personal information when you visit creditgm.com or use our credit repair services. By using our website or services, you agree to the terms of this policy.

1. Information We Collect

Information You Provide: When you fill out our free analysis form, request a callback, or contact us directly, we collect your name, email address, phone number, zip code, and any credit-related information you voluntarily share.

Credit Report Information: With your authorization, we may access your credit reports from Experian, TransUnion, and/or Equifax as part of providing our services.

Automatically Collected Information: We may collect standard website usage data such as IP address, browser type, and pages visited to improve site performance. We do not use tracking cookies for advertising purposes.

2. How We Use Your Information

We use the information we collect to:

• Provide and manage your credit repair services
• Communicate with you about your account, disputes, and progress
• Send educational content, tips, and service updates (with your consent)
• Comply with our legal obligations under CROA, FCRA, and applicable law
• Improve our website and service offerings

3. Information Sharing

We do not sell, rent, or trade your personal information. We may share information only in these limited circumstances:

• Service Providers: Third-party vendors who assist with credit reporting, client portal software, or communications — bound by confidentiality agreements
• Credit Bureaus: Experian, TransUnion, and Equifax, as required to perform dispute services on your behalf
• Legal Requirements: When required by law, court order, or government authority
• With Your Consent: Any other sharing will only occur with your explicit written permission

4. Data Security

We implement industry-standard security measures to protect your personal and financial information, including encrypted data transmission (SSL/TLS), secure data storage, and restricted access controls. No method of electronic transmission is 100% secure; however, we take every reasonable precaution to protect your data.

5. Data Retention

We retain your information for as long as your account is active or as needed to provide services. We may also retain information as required by law or for legitimate business purposes. You may request deletion of your data at any time (subject to legal retention requirements).

6. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of marketing communications at any time
• File a complaint with the FTC or your state attorney general if you believe your privacy rights have been violated

To exercise any of these rights, contact us at our contact page.

7. Third-Party Links

Our website may contain links to third-party sites (such as affiliate partners). We are not responsible for the privacy practices of those sites and encourage you to review their policies independently.

8. 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 a minor has submitted information to us, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page with a revised "Last Updated" date. Continued use of our services after changes constitutes your acceptance of the updated policy.

10. Contact Us

For privacy-related questions or requests, contact CreditGM at: