Privacy Policy

1. Introduction

FixoCredit, LLC (“FixoCredit,” “we,” “our,” or “us”) is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our credit repair services. Please read this policy carefully. If you disagree with its terms, please discontinue use of our site.

2. Information We Collect

We may collect the following types of information:

• Personal Identification: Name, email address, phone number, mailing address, and Social Security Number (required for credit bureau access).
• Financial Information: Credit reports, credit scores, account numbers, and payment history obtained with your written authorization.
• Usage Data: IP address, browser type, pages visited, and time spent on our website.
• Communications: Emails, messages, and records of interactions with our team.

3. How We Use Your Information

We use the information we collect to:

• Provide credit repair services as authorized by you in writing
• Communicate with credit bureaus (Equifax, Experian, TransUnion) on your behalf
• Process payments and manage your account
• Send service updates, progress reports, and account notifications
• Comply with legal obligations under the FCRA and CROA
• Improve our website and service offerings

4. FCRA Compliance & Consumer Rights

We operate in full compliance with the Fair Credit Reporting Act (FCRA). As a consumer, you have the right to:

• Receive a free copy of your credit report annually from AnnualCreditReport.com
• Dispute inaccurate information directly with credit bureaus at no charge
• Know what is in your credit file
• Seek damages from violators of the FCRA

5. Data Sharing & Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only with: (a) credit bureaus as necessary to perform our services; (b) service providers who assist us in operating our business under strict confidentiality agreements; (c) law enforcement or regulatory authorities when required by law.

6. Data Security

We implement industry-standard security measures including 256-bit SSL encryption, secure data storage, access controls, and regular security audits to protect your information. We comply with the Gramm-Leach-Bliley Act (GLBA) for financial data protection.

7. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Credit repair records are typically retained for 7 years in accordance with FCRA requirements. You may request deletion of your account data at any time by contacting us at privacy@fixocredit.com.

8. Cookies & Tracking

Our website uses cookies and similar tracking technologies to enhance user experience and analyze site traffic. You may disable cookies through your browser settings; however, some features of our site may not function properly without them.

9. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately.

10. Contact Us

For privacy-related questions or to exercise your rights, contact our Privacy Officer at:
FixoCredit, LLC
2400 Victory Ave, Suite 900, Dallas, TX 75219
privacy@fixocredit.com | (800) 555-0192