Privacy Policy
Total-Credit-Repair.com - Privacy Policy
Our subscribers' privacy is of primary importance at Total-Credit-Repair.com. It is important that our subscribers be fully informed about the use of their personal information before choosing to subscribe to Total-Credit-Repair.com.
Total-Credit-Repair.com believes in 100% permission-based marketing. Total-Credit-Repair.com collects the information you provide at our websites. Additionally, Total-Credit-Repair.com purchases and manages opt-in email lists generated by affiliate sites and organizations. To subscribe, you must provide your email address. Subscribers may also provide such optional information as their postal address, zip code, gender, and age. Total-Credit-Repair.com may from time-to-time send you offers for goods and services relevant to the categories of interest you have chosen. To better provide our subscribers with relevant offers, Total-Credit-Repair.com appends traditional data to email records by matching the information you provide with third party data sources. Total-Credit-Repair.com will broadcast special offers that would be of value to any online consumer to all Total-Credit-Repair.com subscribers.
Total-Credit-Repair.com values your e-privacy. Our subscribers' email addresses will not be shared with any third party except where such third party has demonstrated to Total-Credit-Repair.com that the subscriber is a customer of such third party and not just a prospect if compelled to do so by proper judicial or governmental authorities for the purposes of utilizing third party fulfillment and/or data processing services conducted on behalf of Total-Credit-Repair.com in accordance with this privacy policy
Total-Credit-Repair.com maintains all personally-identifiable information in its proprietary database. Total-Credit-Repair.com does, however, provide "optional" information such as name, postal address, zip code, age, gender, etc. to third parties for non-electronic media. Total-Credit-Repair.com remains dedicated to providing notice and choice to all Total-Credit-Repair.com subscribers. The last sentence in each and every offer from Total-Credit-Repair.com provides subscribers the option to unsubscribe and remove themselves from our database. Once a subscriber unsubscribes and chooses to be removed from our database, the subscriber will no longer receive any offers from Total-Credit-Repair.com. Please allow up to 72 hours for the removal process to be complete. Please note, however, the subscriber may still receive offers from other affiliated websites he or she subscribed to. The subscriber must either visit those websites to unsubscribe or unsubscribe through the link provided in the affiliated website's email advertisements.
Total-Credit-Repair.com issues cookies solely to assign a randomly generated, unique identifier in order for Total-Credit-Repair.com to track customer conversions. No personally identifiable information is ever stored within the cookie. Total-Credit-Repair.com tracks responses to advertising campaigns, however, Total-Credit-Repair.com does not track your other web browsing activities. Please note that some of our customers' websites may use cookies; therefore, it is recommended that our subscribers take the time to review the privacy policies, when provided, of any websites prior to entering their information
For websites owned and operated by Total-Credit-Repair.com, Total-Credit-Repair.com uses log files. These log files may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use.
Total-Credit-Repair.com websites are intended for use only by adults. Total-Credit-Repair.com complies with the Children's Online Privacy Protection Act and does not knowingly solicit or collect information from children.
Your Information is protected by our State-of-the-Art technology. Total-Credit-Repair.com has security protocols and measures in place to protect the information we maintain about you from unauthorized access or alteration. These measures include internal and external firewalls, physical security and technological security measures, and encryption of certain information.
Total-Credit-Repair.com encourages you to revisit our Privacy Statement to keep informed of any changes. If Total-Credit-Repair.com is going to use your information in a manner different from that stated in this Privacy Policy at the time of collection by Total-Credit-Repair.com, we will post a notice on our Privacy Policy for 30 days.
What Is The Fair Credit Reporting Act?
The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of “completeness and accuracy. If, after a reinvestigation by the credit bureau, the disputed information “is found to be inaccurate or can no longer be verified, the [credit bureau] shall promptly delete such information.
The credit bureaus are required to complete the investigation within a “reasonable period of time. This period has been set at thirty days.
The credit bureaus can ignore the consumer dispute if they have reason to believe that the dispute is "frivolous or irrelevant". The FTC commentary on the FCRA cites, as an example of a frivolous dispute, a dispute wherein the consumer challenges all negative items on his credit report without providing any allegations regarding specific items in the credit file. However, “A [credit bureau] must assume a consumer's dispute is bona fide, unless there is clear and convincing evidence to the contrary.
When a consumer challenges a negative credit listing on the basis of extenuating circumstances, such as health problems, divorce, job loss, etc., the credit bureaus are entitled to ignore that dispute.
When a consumer submits a dispute which is neither frivolous nor irrelevant by credit bureau standards, the credit bureau must “at a minimum... check with the original sources or other reliable sources of the disputed information and inform them of the nature of the consumer's dispute. In some cases of consumer dispute, “Reinvestigation and verification may require more than asking the original source of the disputed information the same question and receiving the same answer.
In other words, when a consumer files or re-files a valid dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing.
In theory and law, the process is deceptively simple, thus leading many people to think that they can easily handle this themselves “for the price of a few postage stamps. Most quickly discover that the credit bureaus have made it much more difficult than one would imagine.
