Legal
Privacy Policy
Last Updated: May 8, 2026 · Effective immediately upon use of services.
Your privacy matters to us. This policy describes exactly how TheCreditPhantom collects, uses, and protects your personal information. We handle your data with the highest level of care and confidentiality — especially given the sensitive nature of credit repair services.
1. Introduction
TheCreditPhantom ("Company," "we," "us," or "our") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or engage our credit repair services. Please read this policy carefully. If you disagree with its terms, please discontinue use of our site and services.
2. Information We Collect
We collect information that you voluntarily provide to us when you: • Submit a contact or lead form on our website • Schedule a consultation or appointment • Engage our credit repair services • Communicate with us by email, phone, or other means The personal information we may collect includes: • Full name • Email address • Phone number • Mailing address • Date of birth • Social Security Number (required for credit bureau disputes) • Credit report data and financial information • Current credit score range and financial goals We also automatically collect certain technical data when you visit our website, including IP address, browser type, operating system, referring URLs, and pages viewed.
3. How We Use Your Information
We use the information we collect to: • Provide, operate, and improve our credit repair services • Communicate with you about your account and service updates • Submit disputes to credit bureaus (Equifax, Experian, TransUnion) on your behalf • Respond to your inquiries and provide customer support • Send you educational content, promotions, and service-related communications (you may opt out at any time) • Comply with legal obligations and enforce our Terms of Service • Analyze usage patterns to improve our website and services
4. How We Share Your Information
We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following limited circumstances: • Credit Bureaus: We share your information with Equifax, Experian, and/or TransUnion as necessary to dispute inaccurate items on your behalf. • Service Providers: We may share information with trusted third-party vendors who assist in operating our website or providing services (e.g., scheduling software, email platforms), subject to confidentiality agreements. • Legal Requirements: We may disclose your information if required by law, court order, or governmental authority. • Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
5. Data Security
We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include: • Encrypted data transmission (SSL/TLS) • Restricted access to sensitive personal data • Secure storage of physical and electronic records • Regular review of our data collection and storage practices However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.
6. Your Rights and Choices
Depending on your location, you may have certain rights regarding your personal information, including: • Access: Request a copy of the personal information we hold about you. • Correction: Request that we correct inaccurate or incomplete information. • Deletion: Request that we delete your personal information, subject to certain legal obligations. • Opt-Out: Unsubscribe from marketing communications at any time by clicking "unsubscribe" in our emails or contacting us directly. • Data Portability: Request that we provide your data in a portable format. To exercise any of these rights, please contact us using the information provided in Section 10.
7. Retention of Information
We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Client records, including credit dispute files, are typically retained for a minimum of five (5) years following the conclusion of services, as required by applicable regulations.
8. Third-Party Links
Our website may contain links to third-party websites, including credit monitoring services or financial tools. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.
9. 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 we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete it.
10. California Privacy Rights (CCPA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your personal information, and the right to opt out of the sale of your personal information. As noted above, we do not sell personal information. To exercise your CCPA rights, please contact us at the information below.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on our website with a revised "Last Updated" date. Your continued use of our services after such changes constitutes your acceptance of the revised policy.
12. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: TheCreditPhantom 54 State Street, Ste 804 #7588 Albany, New York 12207 Email: info@creditphantom.com Business Hours: Mon–Fri 10AM – 9PM EST
© 2026 TheCreditPhantom · Albany, NY · All rights reserved.