Privacy Policy

Information you give us directly: your name, email address, phone number, state and ZIP code when you submit a credit assessment; the concerns, goals and credit situation you describe; and any message you send us.

Documents you upload: credit reports from Experian, Equifax and TransUnion, identity-theft documentation, account statements and other supporting files you choose to provide through the client portal.

Information collected automatically: basic technical data such as browser type and the pages you visit, used to keep the service secure and to understand which parts of the site are useful.

To review your credit reports and identify entries that appear inaccurate, incomplete, outdated or unverifiable.

To prepare and, with your approval, submit disputes and related correspondence to credit bureaus and furnishers.

To operate your client portal, communicate with you about your file, and send service notifications.

To meet legal, regulatory and record-keeping obligations that apply to services of this kind.

Uploaded documents are encrypted at rest and are accessible only to the staff assigned to your file. They are never transmitted or stored in ordinary email.

Access to client records requires authentication, and staff access is limited by role.

Passwords are stored only as salted one-way hashes. Creditxora staff cannot read your password.

We share information with credit bureaus and furnishers only as necessary to carry out the work you have approved.

We use service providers (for example hosting and email delivery) that are bound to handle your information solely on our instructions.

We do not sell your personal information, and we do not share it for third-party advertising.

We may disclose information where required by law, legal process, or to protect the rights and safety of our clients and staff.

You may request a copy of the personal information we hold about you, ask us to correct it, or ask us to delete it, subject to any records we are required to retain.

You may withdraw consent to be contacted at any time; this may mean we can no longer provide the service.

Depending on your state of residence, you may have additional rights regarding access, deletion, correction and the sale or sharing of personal information.

To exercise any of these rights, contact privacy@creditxora.com.

Client records and dispute documentation are retained for the period required by applicable federal and state law, and then securely deleted.

Assessment submissions that do not become client files are retained for a limited period and then deleted.

This site uses cookies and similar technologies that are strictly necessary for it to function, such as keeping you signed in to your portal.

Where analytics or marketing technologies are used, they are disclosed and, where required, run only with your consent.