Overview
Nexxus Credit Repair ("Company," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, who we share it with, and what rights you have regarding your data.
This policy applies to information collected through our website at nexxuscreditrepair.com, our application forms, phone and text communications, email correspondence, and in-person consultations.
Information We Collect
Information You Provide to Us
When you apply for our services, communicate with us, or use our website, we may collect the following types of information:
| Category | Examples |
|---|---|
| Personal identifiers | Full name, date of birth, Social Security number, mailing address, email address, phone number |
| Financial information | Credit reports, credit scores, account numbers, debt amounts, creditor names, payment history |
| Employment information | Employer name, income (if relevant to your credit repair plan) |
| Communications | Emails, text messages, phone call notes, and records of your interactions with us |
Information Collected Automatically
When you visit our website, we may automatically collect:
- IP address and general geographic location
- Browser type and operating system
- Pages visited and time spent on our site
- Referring website or link that brought you to our site
How We Use Your Information
We use the information we collect for the following purposes:
- Provide credit repair services — reviewing your credit reports, preparing dispute letters, communicating with credit bureaus and creditors on your behalf
- Communicate with you — sending updates about your case, responding to your questions, and providing credit education
- Comply with legal obligations — meeting our requirements under the Credit Repair Organizations Act (CROA), Fair Credit Reporting Act (FCRA), and other applicable laws
- Improve our services — analyzing how our website is used and how we can better serve our clients
- Protect against fraud — verifying your identity and preventing unauthorized access to your account
We will never sell your personal information. Your financial data is used solely to provide the credit repair services you have requested.
How We Share Your Information
We may share your information only in the following limited circumstances:
- Credit bureaus and creditors — as necessary to dispute items on your credit report and negotiate on your behalf. This is a core part of our service.
- Service providers — trusted third parties who help us operate our business (e.g., secure document storage, payment processing). These providers are contractually required to protect your data.
- Legal requirements — if required by law, regulation, court order, or governmental authority.
- With your consent — if you direct us to share information with a specific third party (e.g., a mortgage lender reviewing your credit improvement).
We do not sell, rent, or trade your personal information to third parties for marketing purposes.
Data Protection and Security
We take the security of your personal and financial information seriously. Our protection measures include:
- Secure storage of all documents containing sensitive personal information
- Limited access to client data on a need-to-know basis
- Secure communication channels for transmitting sensitive information
- Regular review and updating of our security practices
Sensitive data handling: We treat your Social Security number, credit reports, and financial records with the highest level of care. These are never shared except as required to perform our services or comply with law.
Data Retention
We retain your personal information for as long as necessary to provide our services and fulfill our legal obligations. Specifically:
- Active clients: Your information is retained throughout the duration of our service agreement.
- Former clients: We retain records for a reasonable period after services end to comply with legal and regulatory requirements, typically no longer than seven (7) years.
- Website visitors: Automatically collected data (such as browsing information) is retained for up to 12 months.
You may request deletion of your data at any time, subject to our legal retention obligations.
Your Rights
All Clients
Regardless of where you live, you have the right to:
- Access the personal information we hold about you
- Correct any inaccurate or incomplete personal information
- Request deletion of your personal information (subject to legal retention requirements)
- Cancel services and request that we stop processing your data
- Receive a copy of the personal data we have on file for you
California Residents (CCPA/CPRA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):
- Right to know what personal information we collect, use, and disclose
- Right to delete your personal information, with certain exceptions
- Right to opt out of the sale or sharing of personal information (note: we do not sell your data)
- Right to non-discrimination for exercising your privacy rights
- Right to correct inaccurate personal information
To exercise any of these rights, contact us using the information in the "Contact Us" section below.
CROA-Specific Rights
Under the Credit Repair Organizations Act, you have additional protections including the right to cancel within three days, the right to a written contract, and the right to sue for violations. See our Terms of Service for full details.
Cookies and Tracking
Our website may use cookies and similar tracking technologies to improve your browsing experience. Cookies are small files stored on your device. We use them to:
- Remember your preferences
- Understand how visitors use our site
- Improve our website performance
You can control cookies through your browser settings. Disabling cookies may affect some website functionality but will not affect your ability to contact us or apply for services.
Third-Party Links
Our website may contain links to third-party websites (such as credit monitoring services or financial education resources). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing them with your personal information.
Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will take steps to delete that information promptly.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. When we make changes, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically. For material changes, we will notify active clients by email.
Contact Us
If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how your data is being handled, please contact us:
- Nexxus Credit Repair
- Dallas / Fort Worth, TX
- Phone: (972) 214-7153
- Email: nexxuscreditrepair@gmail.com
- Website: nexxuscreditrepair.com