Effective Date: August 3rd, 2025 | Last Updated: August 3rd, 2025
📋 Important Notice About Your Credit Information
This privacy policy complies with the Fair Credit Reporting Act (FCRA), Credit Repair Organizations Act (CROA), and all applicable state and federal privacy laws.
ScoreWise is committed to protecting your personal and financial information. We understand the sensitive nature of credit-related data and maintain the highest standards of privacy and security.
1. Information We Collect
1.1 Information You Provide Directly
| Category |
Examples |
Purpose |
| Personal Identifiers |
Name, address, email, phone number, date of birth, SSN (last 4 digits only) |
Account creation, identity verification, service delivery |
| Credit Information |
Credit reports, scores, account details, dispute history |
Credit repair services, dispute processing |
| Financial Information |
Income (optional), debt information, payment history |
Credit analysis, customized recommendations |
| Authentication Data |
Username, password, security questions |
Account security, access control |
1.2 Information Collected Automatically
- Device Information: IP address, browser type, operating system
- Usage Data: Pages visited, features used, time spent on site
- Cookies: Session cookies, preference cookies (see Cookie Policy below)
- Analytics: Aggregated usage patterns to improve our services
⚠️ Special Notice About Sensitive Information
We handle credit information as "sensitive personal information" under applicable laws. This information receives enhanced protection and is never sold or used for marketing without your explicit consent.
2. How We Use Your Information
2.1 Primary Uses (Credit Repair Services)
- ✓ Analyzing your credit reports for errors and inaccuracies
- ✓ Preparing and tracking dispute letters to credit bureaus
- ✓ Communicating with creditors on your behalf (with authorization)
- ✓ Monitoring your credit improvement progress
- ✓ Providing personalized credit education and recommendations
2.2 Secondary Uses
- Customer support and service improvements
- Legal compliance and fraud prevention
- Internal analytics (anonymized data only)
- Account security and authentication
2.3 Uses Requiring Your Consent
We will obtain your explicit consent before:
- Sharing your information with affiliated partners for their services
- Using your success story or testimonial
- Sending marketing communications about third-party offers
3. Information Sharing & Third Parties
🔒 Our Commitment to Data Minimization
We only share the minimum information necessary to provide our services. Your full credit reports and sensitive financial data are NEVER sold or shared for marketing purposes.
3.1 Service Providers
We may share limited information with trusted service providers who assist us in:
- Credit Monitoring Partners: To retrieve updated credit reports (with your authorization)
- Mailing Services: To send dispute letters on your behalf
- Technology Providers: For secure data storage and processing
- Customer Support: To assist with your inquiries
All service providers are contractually required to:
- Maintain confidentiality of your information
- Use data only for the specified purpose
- Implement appropriate security measures
- Delete data when no longer needed
3.2 Legal Requirements
We may disclose information when required by:
- Court orders or subpoenas
- Government investigations
- Legal proceedings
- Protection of our legal rights
3.3 Business Partners (With Your Consent)
If you arrived through a partner or request additional services, we may share limited information with:
- Affiliate partners who referred you (confirmation of enrollment only)
- Financial service providers you explicitly request
- Credit counseling services (with your written authorization)
🚫 What We NEVER Do
- Sell your personal information to data brokers
- Share your full SSN with any third party
- Use your credit information for our own credit decisions
- Share information with employers or landlords without consent
- Allow unauthorized access to your account
4. Security Measures
🛡️ Enterprise-Grade Security
We implement multiple layers of security to protect your sensitive information:
4.1 Technical Safeguards
- Encryption: 256-bit SSL/TLS encryption for all data transmission
- Storage: Encrypted databases with restricted access
- Authentication: Multi-factor authentication available
- Monitoring: 24/7 security monitoring and intrusion detection
- Regular Audits: Third-party security assessments
4.2 Administrative Safeguards
- Background checks for all employees
- Strict access controls based on job requirements
- Regular security training for staff
- Confidentiality agreements for all personnel
- Incident response procedures
4.3 Physical Safeguards
- Secure data centers with restricted access
- Locked filing systems for any physical documents
- Secure disposal of sensitive information
- Clean desk policy for all workstations
5. Your Rights & Choices
5.1 Access Your Information
You have the right to:
- View all personal information we have about you
- Receive a copy of your data in a portable format
- See a log of who has accessed your information
5.2 Control Your Information
- Update: Correct any inaccurate information
- Delete: Request deletion of your account and data
- Restrict: Limit how we use your information
- Object: Opt-out of certain uses of your data
5.3 Communication Preferences
You can control how we communicate with you:
- Email notifications: Manage in account settings
- SMS alerts: Text STOP to unsubscribe
- Phone calls: Update preferences in your account
- Partner offers: Opt-out at any time
5.4 Data Retention
We retain your information for:
- Active accounts: Duration of service + 7 years (FCRA requirement)
- Dispute records: 7 years from resolution
- Transaction records: As required by law
- Marketing data: Until you opt-out
6. Privacy Notice for California Residents (CCPA)
This section supplements our Privacy Policy and applies solely to California residents. We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and the California Privacy Rights Act (CPRA).
6.1 Personal Information We Collect
In the last 12 months, we have collected the following categories of personal information:
| Category |
Collected |
Source |
Purpose |
| Identifiers |
Yes |
Directly from you |
Service delivery, account management |
| Financial Information |
Yes |
You and credit bureaus |
Credit repair services |
| Protected Classifications |
Limited |
Directly from you |
Legal compliance |
| Commercial Information |
Yes |
Transaction records |
Service improvement |
| Internet Activity |
Yes |
Automatic collection |
Website functionality |
| Geolocation Data |
Limited |
IP address |
Fraud prevention |
| Professional Information |
No |
N/A |
N/A |
| Education Information |
No |
N/A |
N/A |
| Sensitive Personal Information |
Yes (SSN last 4) |
Directly from you |
Identity verification |
6.2 Your California Privacy Rights
- Right to Know: Request disclosure of personal information collected, used, disclosed, and sold
- Right to Delete: Request deletion of personal information (with exceptions)
- Right to Correct: Request correction of inaccurate personal information
- Right to Opt-Out: Opt-out of the sale or sharing of personal information
- Right to Limit Use: Limit use of sensitive personal information
- Right to Non-Discrimination: Not be discriminated against for exercising privacy rights
6.3 Exercising Your Rights
To exercise your California privacy rights:
- Call: (888) 762-6691
- Email: privacy@scorewise.app
- Online: www.scorewise.app/contact
Verification Process:
- We will verify your identity using 2-3 data points
- Response within 45 days (up to 90 days with notice)
- You may designate an authorized agent
6.4 Sales of Personal Information
In the preceding 12 months, ScoreWise has NOT:
- Sold personal information to third parties
- Shared personal information for cross-context behavioral advertising
6.5 Financial Incentives
We may offer discounts or benefits for providing certain information. Participation is voluntary and you may withdraw at any time.
7. Cookie Policy
7.1 Types of Cookies We Use
- Essential Cookies: Required for site functionality
- Analytics Cookies: Help us improve our services
- Preference Cookies: Remember your settings
- Security Cookies: Detect fraudulent activity
7.2 Managing Cookies
You can control cookies through:
- Browser settings (may impact site functionality)
- Our cookie preference center
- Third-party opt-out tools
8. Children's Privacy
Our services are not intended for individuals under 18. We do not knowingly collect information from minors. If we learn we have collected information from a child, we will promptly delete it.
9. International Users
Our services are intended for U.S. residents. If you access our services from outside the U.S., you consent to the transfer and processing of your information in the United States.
10. Changes to This Policy
We may update this Privacy Policy periodically. We will notify you of material changes by:
- Posting a notice on our website
- Sending an email to registered users
- Updating the "Last Updated" date
📋 Regulatory Agencies
You may also contact these agencies about privacy concerns:
- Federal Trade Commission: www.ftc.gov | 1-877-FTC-HELP
- Consumer Financial Protection Bureau: www.consumerfinance.gov | 1-855-411-2372
- California Attorney General: oag.ca.gov | 1-800-952-5225
© 2025 ScoreWise™ - Brand Metrics LLC. All rights reserved.
This Privacy Policy is effective as of August 3rd, 2025
