Privacy policy

Effective: November 13, 2026.

What we collect

Name, email, mailing address, state, your goal, the credit report files you upload, your answers about each item, documents you choose to provide, and signatures and timestamps on your agreement. We do not collect your Social Security number on the public site or in chat, your credit bureau passwords, or identity-quiz answers.

How we use it

Only to provide the services in your cycle agreement: reviewing reports, preparing letters, mailing, tracking, emailing you, and invoicing. If you use optional SmartCredit monitoring, SmartCredit has its own privacy policy for the information you give that company.

Sharing

We send dispute letters you sign to the credit bureaus you choose. We use service providers for hosting, email, and e-signature under confidentiality terms. We do not sell your data, and we do not share it with lenders or for marketing.

Security

Encryption in transit and at rest, multi-factor authentication for staff access, and a written information security program under the FTC Safeguards Rule (16 CFR Part 314).

Retention

Signed disclosures are kept 2 years as required by law (15 U.S.C. §1679c(c); RSMo 407.641.2). Credit reports and documents are deleted 2 years after your last cycle, or sooner on request where the law allows.

AI tools

We may use software, including an assistant in the client portal, to help with intake, organizing reports, and drafting letters. Chat messages are used to set up your file. A person reviews every item and letter.

Your choices

Email sales@freshstartcreditcompany.com to access, correct, or delete your data, or to ask for paper copies of any document.

Communications

We contact you by email, through the client portal, by chat, and by phone for support you request.

Cookies

This site uses no advertising, analytics, or tracking cookies. The client portal uses one strictly necessary session cookie to keep you signed in. Because we don't track you, there is nothing to opt out of; if that ever changes we will ask first with a consent banner.

Payments and e-signature

Card or bank payments for repair are handled by our payment processor; we store only a token and the last 4 digits, never your full card or account number. Optional SmartCredit monitoring is billed by SmartCredit, not by us. Documents are signed through our e-signature process, which keeps a tamper-evident audit trail (time, IP address, and document fingerprint).

Affiliate links

We do not share your information with any credit-builder, monitoring, or insurance company. If you click a link to one, that company's privacy policy applies.

Financial privacy notice

We collect nonpublic personal information only to provide the services you request. We do not disclose it to nonaffiliated third parties except to service providers working for us and as the law permits or requires (Gramm-Leach-Bliley Act). We have no affiliates that market to you.