Privacy Policy

Last updated: October 19, 2026

This Privacy Policy explains how The Credit Firm LLC (“The Credit Firm,” “we,” “us,” or “our”) collects, uses, shares and protects personal information when you visit thecreditfirm.net, contact us, chat with us, or receive text messages from us. By using our website or services, you agree to this Privacy Policy.

Information we collect

  • Information you give us: your name, email address, mobile phone number, mailing address, and any details you share about the service you need, when you fill out a form, use our website chat, call, text or email us.
  • Client information: if you become a client, information needed to provide our services, such as credit reports and identity documents, which is handled securely through our client portal.
  • Messaging information: your mobile number, your text messaging opt-in and consent, and the content of messages you exchange with us.
  • Information collected automatically: basic technical data such as browser type, device type, pages viewed, referring pages and approximate location, collected through cookies and analytics tools such as Google Analytics and Google Tag Manager.

How we use your information

  • To respond to your questions and requests.
  • To provide, manage and follow up on our services.
  • To send the text messages you have agreed to receive, as described below and in our Terms of Service.
  • To operate, maintain, secure and improve our website.
  • To comply with legal obligations and protect our rights.

Text messaging (SMS) and mobile information

If you choose to opt in to text messages from The Credit Firm, we use your mobile number to send the messages you agreed to receive, such as appointment reminders, onboarding and account updates, document requests, and progress updates on your credit repair services. If you separately opt in to marketing messages, we may also send special offers, discounts and service updates. Consent to receive text messages is not a condition of purchase, and you can opt out at any time by replying STOP. Reply HELP for help. Message frequency varies. Message and data rates may apply.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

How we share information

We do not sell, rent or trade your personal information. We share information only as follows:

  • With service providers that help us run our business, such as website hosting, client management software, and communications platforms, who may use it only to provide services to us and must keep it confidential. As stated above, text messaging opt-in data and consent are never shared with third parties.
  • With credit bureaus and creditors when you authorize us to communicate with them on your behalf as part of our services.
  • When required by law, subpoena or legal process, or to protect the rights, property or safety of our clients, our business or others.
  • In connection with a merger, sale or transfer of our business, subject to this Privacy Policy.

Cookies and analytics

Our website uses cookies and similar technologies to understand how visitors use the site. You can block or delete cookies in your browser settings, and you can opt out of Google Analytics with the Google Analytics opt-out browser add-on.

How we protect and keep your information

We use reasonable administrative, technical and physical safeguards to protect your information. No method of transmission or storage is completely secure. We keep personal information only as long as needed for the purposes described here or as required by law.

Your choices

  • Text messages: reply STOP to any message to opt out, or reply HELP for help.
  • Email: use the unsubscribe link in any marketing email.
  • Access, correction or deletion: contact us using the information below and we will respond as required by applicable law.

Children’s privacy

Our website and services are not directed to children under 13, and we do not knowingly collect personal information from children under 13.

Links to other websites

Our website may link to other sites, including our client portal provider. We are not responsible for the privacy practices of those sites.

Changes to this policy

We may update this Privacy Policy from time to time. The “Last updated” date above shows when it was last changed.

Contact us

If you have questions about this Privacy Policy or your information, contact us:

The Credit Firm LLC
5321 Pleasant View Road, Memphis, TN 38134
Phone / text: (901) 660-4424
Email: hello@thecreditfirm.net
Website: thecreditfirm.net

Please also review our Terms of Service.