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Privacy Policy
JJ Fix Your Credit is committed to protecting the privacy and confidentiality of the personal information of our clients.
This Privacy Policy explains how we collect, use, protect, and share personal information in connection with our credit repair and financial services.
By using our website, services, forms, or communicating with us, you consent to the practices described in this Policy.
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Scope of This Privacy Policy
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Information We Collect
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How We Share Personal Information
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Data Security Measures
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Cookies & Tracking Technologies
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Data Retention Practices
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SMS Terms & Conditions
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Children’s Privacy
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Your Rights and Choices
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Third-Party Websites
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Changes to This Privacy Policy
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Contact Information
1. SCOPE OF THIS PRIVACY POLICY
This Policy applies to personal information related to:
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Clients and prospective clients who contact us for credit repair or financial solutions
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Users of our website or forms
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Individuals who communicate with us through email, phone, SMS, or WhatsApp
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Any person who interacts with JJ Fix Your Credit regarding our services
This Privacy Policy does not apply to employees or contractors.
2. INFORMATION WE COLLECT
We collect personal information directly from individuals, automatically through our website, and in some cases, from third-party platforms used to verify credit information.
Information you provide directly
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Full name
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Phone number
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Email address
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Mailing address
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Identification documents (driver’s license, state ID, passport)
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Social Security Number (when required to process disputes)
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Credit reports from Experian, Equifax, TransUnion
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Access credentials to credit monitoring platforms (Credit Karma, Experian, SmartCredit, etc.)
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Documents needed to verify identity or dispute items (proof of address, pay stubs, bills, letters from creditors or bureaus)
Payment information
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Last 4 digits of payment method
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Confirmation of payment plans
We do not store full credit card numbers.
Communications
We keep records of:
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Emails
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SMS or WhatsApp messages
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Phone call information
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Contact forms submitted on our website
Information collected automatically (Website)
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IP address
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Browser type
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Device type
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Pages visited
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Interaction with website sections
(Cookies may be used — see Section 6)
3. HOW WE USE PERSONAL INFORMATION
We use the collected information for:
Providing credit repair services
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Preparing and sending dispute letters
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Reviewing credit reports
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Communicating with credit bureaus on your behalf
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Working on verification and deletion of inaccurate information
Client communication
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Sending updates about your case
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Scheduling calls
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Responding to your requests
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Sending SMS reminders (only with prior consent)
Identity verification
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Preventing fraud
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Ensuring the person requesting service is the actual consumer
Service improvement
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Website functionality
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Customer service enhancement
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Internal audits and compliance
Legal compliance
We may need to retain or share certain information to comply with law enforcement, court orders, FTC requirements, or fraud investigations.
4. HOW WE SHARE INFORMATION
We do NOT sell or share your personal information for marketing.
We may share your information with:
Credit Bureaus
Only when preparing and sending disputes.
Service Providers
Trusted platforms or partners helping us:
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Process payments
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Send secure documents
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Host our website
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Provide credit monitoring tools
Government or Regulatory Agencies
Only when required by law:
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Fraud investigations
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Identity theft reports
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Subpoenas or legal requests
Your Authorized Contacts
Only if you give written permission to share your case details with another person.
5. DATA SECURITY
We use administrative, technical, and physical safeguards to protect your data against:
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Unauthorized access
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Loss
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Misuse
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Alteration or disclosure
However, no system is completely secure. If you believe your information has been compromised, please contact us immediately.
6. COOKIES & WEBSITE TRACKING
Our website may use cookies to:
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Improve user experience
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Analyze site traffic
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Remember preferences
You can disable cookies through your browser settings, though certain parts of the website may not function properly.
7. DATA RETENTION
We retain your personal information for:
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As long as your credit repair process is active
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A reasonable period afterward to comply with legal obligations
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Longer if required for audits, disputes, or law enforcement
You may request deletion of your data (see Section 10).
Nuestra pasión es ayudarte a recuperar tu estabilidad financiera y a construir un historial limpio que refleje tu verdadero potencial.
Message Frequency:
Message frequency may vary. You may receive up to 4 SMS messages per week regarding your events or trainings.
Potential Fees for SMS Messaging:
Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.
Opt-In Method:
You may opt-in to receive SMS messages from JJ Fix Your Credit in the following ways:
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By submitting an online form
Opt-Out Method:
You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.
Help:
If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at https://jjfixyourcredit.com/contact
Additional Options:
If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.
Standard Messaging Disclosures:
Message and data rates may apply.
You can opt out at any time by texting "STOP."
For assistance, text "HELP" or visit our [Privacy Policy] and [Terms and Conditions] pages.
Message frequency may vary
9. CHILDREN’S PRIVACY
Our services are not intended for individuals under 16.
We do not knowingly collect information from minors.
10. YOUR RIGHTS
Depending on your location, you may request:
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Access to your personal information
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Correction of inaccurate data
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Deletion of information (unless legally required to retain it)
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A copy of data we hold about you
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Opting out of SMS marketing
Send requests to:
📧 customer@jjfixyourcredit.com
📞 407-605-6992
We will verify your identity before fulfilling any request.
11. THIRD-PARTY WEBSITES
Our site may link to external pages.
We are not responsible for their privacy practices.
12. CHANGES TO THIS PRIVACY POLICY
We may update this Policy as needed.
Changes will be posted on our website with the new effective date.
13. CONTACT US
JJ Fix Your Credit
email: customer@jjfixyourcredit.com or phone: 407-605-6992
