Effective date: September 10, 2026

Who we are

90 Day Credit Experts LLC (“we,” “us,” or “our”) explains in this Privacy Policy how we collect, use, and disclose personal information through 90daycreditexperts.com, our client portal, consultation requests, and related communications and services.

This policy does not replace your service agreement, authorize us to obtain a credit report, or constitute consent to marketing calls or texts.

Information we collect

Depending on your interactions with us, we collect:

Contact information: Name, email address, telephone number, mailing address, and information submitted when requesting assistance.

Identity information: Social Security number and identification documents provided during enrollment or service delivery.

Credit and service information: Credit reports, account information contained in those reports, supporting documents, dispute records, and communications related to your services.

Payment information: Credit-card and billing information provided for authorized payments.

Communications and preferences: Inquiries, customer-support messages, marketing preferences, consent records, and opt-out requests.

Website information: IP address, browser and device information, pages visited, referring pages, and website interactions collected through cookies, pixels, tags, and similar technologies.

We receive information directly from you, through your use of our website, and from providers or other sources you authorize or that we may lawfully use.

Please do not submit Social Security numbers, identification documents, payment details, or complete credit reports through ordinary email, text messages, or general consultation forms. Contact us for the appropriate submission method.

How we use information

We use personal information to:

Respond to inquiries and arrange consultations.

Verify identity and establish client accounts.

Review credit information and provide requested services.

Prepare and manage authorized disputes and related correspondence.

Process authorized payments and maintain business records.

Communicate about your account and services.

Operate, secure, troubleshoot, and improve our website and services.

Measure advertising performance and conduct marketing consistent with applicable law and your choices.

Maintain consent records, comply with legal obligations, and address disputes or suspected misuse.

How we disclose information

We disclose information as needed to providers supporting website hosting, client portals, customer management, communications, payment processing, security, and other business operations.

When authorized and legally permitted, we disclose relevant information to credit reporting agencies, creditors, and other parties involved in providing your requested services.

Information may also be disclosed to professional advisers, in response to legal process, to protect legal rights, or in connection with a merger, acquisition, or other business transaction, subject to applicable protections.

Cookies, pixels, and advertising

Our website uses cookies, tracking pixels, and similar technologies. Website code includes Meta advertising tools and Google tagging tools.

These technologies can collect information about your device and website interactions for measurement and advertising. Their operation depends on the tools and settings enabled on our website.

You can manage cookies through your browser settings. Blocking cookies may affect website features and does not necessarily stop every type of tracking.

Communications and privacy choices

You may unsubscribe from marketing emails using the instructions in the message or by contacting us. To stop SMS messages from a messaging program, reply STOP. Contact us for assistance.

Depending on applicable law and the information involved, you may have rights to access, correct, delete, or obtain a copy of your information, or to limit certain uses or disclosures.

Contact us to submit a privacy request. We may need to verify your identity before responding. Applicable exceptions may permit or require us to retain certain records. If an appeal right applies, you may contact us to request review of our response. We will not unlawfully discriminate against you for exercising applicable privacy rights.

Retention and security

We retain information based on the purposes for which it was collected, our client relationship, applicable recordkeeping requirements, and the need to resolve disputes and enforce agreements.

We use administrative, technical, and physical safeguards designed to protect personal information. No website, storage system, or transmission method can guarantee absolute security.

Children and external websites

Our services are intended for adults. We do not knowingly collect personal information from children under 13. If you believe a child has provided information, contact us.

External websites and independently operated services have their own privacy practices. Review their notices before providing information.

Changes to this policy

We will post revisions here and update the effective date. Where required, we will provide additional notice or obtain consent before making applicable changes.

For privacy questions, requests, or communication preferences:

90 Day Credit Experts LLC
Website: https://90daycreditexperts.com
Email: [email protected]
Phone: 385-360-5858