What we hold, why, and how long.

Last updated 29 October 2026. This policy covers the credit reports, identity documents and letters handled by this service.

What we collect

Your name, address, date of birth, email, the three credit reports you upload, one government ID, one proof of address, and the letters we generate. Nothing else is requested, and we do not ask for your Social Security number in a form field.

How it is stored

Personal identifiers are encrypted at rest with a per record key. Uploaded files live outside the folder that serves web pages, so there is no public link to them. Access to a letter requires an authenticated session that owns that letter.

Who sees it

Staff working your file. Our mailing vendor receives the finished letter and the address it is going to, because that is how certified mail works. We do not sell data, and we do not share it with lead generators, affiliates or advertisers.

How long we keep it

Reports and letters are kept for twenty four months after your last activity, so a follow up dispute can cite the original. You can ask for deletion sooner, and we will delete everything except the invoice record the law requires us to keep.

Your choices

Ask for a copy of what we hold, ask for correction, or ask for deletion by writing to the address on your invoice. We answer within thirty days. You may also file a complaint with the Consumer Financial Protection Bureau or the Florida Attorney General.

Contact

Privacy requests go to the same address used for billing correspondence and are logged with a date stamp when they arrive.