Privacy Policy

Last updated: June 10, 2026

This Privacy Policy explains how Reclaim Ur Credit ("we," "us," or "our") collects, uses, shares, and protects information when you use reclaimurcredit.com and our do-it-yourself credit-dispute-letter tool (the "Service"). By using the Service, you agree to the practices described here.

The short version: We collect the information you give us to generate your dispute letters and process your $10-per-round payment. We do not sell your personal information. Your uploaded credit report is processed to identify disputable items and is deleted after analysis.

1. Information We Collect

Information you provide

Account & identity details: your name, mailing address, email address, and the last four digits of your Social Security number (used to format compliant dispute letters).
Payment information: when you pay the $10 per-round fee, your card or payment details are collected and processed directly by our payment processor, Stripe (and, where offered, PayPal). We do not store full card numbers on our servers.
Dispute details: the contents of the credit report you upload, the accounts and items you choose to dispute, your answers to our dispute-strategy questions, and the letters generated for you.
Communications: messages you send us through contact forms or email.

Information collected automatically

Basic technical and usage data such as IP address, browser type, device information, pages viewed, and timestamps, collected through cookies and similar technologies for security, authentication, and analytics.

2. How We Use Your Information

To analyze your credit report and identify potentially disputable items.
To generate, format, and let you download your dispute letters.
To process payments and provide receipts.
To create and secure your account and authenticate you.
To send transactional messages (e.g., letter-ready notifications, reminders) and respond to support requests.
To maintain, improve, and protect the Service and prevent fraud or abuse.
To comply with legal obligations.

3. Third-Party Service Providers

We share information only with vendors who help us operate the Service, and only as needed to perform their function. These processors include:

Stripe and PayPal — payment processing.
Clerk — user authentication and account management.
Brevo — transactional and notification email delivery.
Cloud hosting and infrastructure providers — to host the application and store data securely.

These providers are bound by their own privacy and security obligations. We do not authorize them to use your information for their own marketing.

4. We Do Not Sell Your Personal Information

We do not sell your personal information, and we do not share it for cross-context behavioral advertising. If you are a California resident, you may exercise your rights under the CCPA/CPRA, including the right to know, delete, correct, and opt out, by contacting us using the details below.

5. Data Retention

We keep your account and dispute records for as long as your account is active or as needed to provide the Service and meet legal, accounting, or reporting requirements. Uploaded credit-report files are processed to extract disputable items and are deleted after analysis. You may request deletion of your account and associated data at any time.

6. Security

We use industry-standard administrative, technical, and physical safeguards to protect your information, including encryption in transit. No method of transmission or storage is 100% secure, so we cannot guarantee absolute security.

7. Your Rights & Choices

Access, correct, or delete the personal information we hold about you.
Opt out of non-essential cookies through our cookie banner.
Unsubscribe from non-transactional emails at any time.

8. Children's Privacy

The Service is intended for adults 18 and older and is not directed to children. We do not knowingly collect personal information from anyone under 18.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be reflected by updating the "Last updated" date above and, where appropriate, by additional notice.

10. Contact Us

Questions about this Privacy Policy or your data? Visit our contact page or email support@reclaimurcredit.com.

Reclaim Ur Credit is not a law firm or a credit repair organization, and nothing here constitutes legal advice. See our Disclaimer and Terms of Service.