Privacy policy

Last updated: October 22, 2026

This Privacy Policy explains what information Visionary Strategic Solutions LLC, doing business as Credit Repair Automate (“we,” “us”), collects through creditrepairautomate.com, the web app and any branded version of the software (the “Service”), how it is used and shared, and the choices you have. It is part of our Terms of Use.

The short version: we collect what the software needs to read your credit reports and make your letters, we use it to run the Service for you, and we do not sell it.

1. Information we collect

Information you give us

• Account details: your name, email address, password (stored only in scrambled, hashed form) and, if you add it, your phone number.
• Letter details: your mailing address, date of birth, the last four digits of your Social Security number, and your signature. We never ask for your full Social Security number.
• Documents you upload: a photo ID, proof of address, and any supporting documents you choose to add.
• Your choices and letters: the items you pick to dispute, the reasons you select, the letters you create, and how and when each one was sent.
• Support messages: what you write to us and our replies.

Information from other companies, with your permission

• Your credit reports, from SmartCredit®, a credit monitoring service from ConsumerDirect®, after you enroll and give permission to share them. They include your accounts and their account numbers, balances, payment history, inquiries, public records, the names, addresses and employers the bureaus have on file, and your credit scores. We keep a record of your permission, including when you gave it and the wording you agreed to.
• Mailing updates from the mailing provider when you use print-and-mail: delivery status, tracking numbers and dates.
• Google sign-in: if you sign in with Google, your name, email address and profile photo.

Information collected automatically

• Account activity and security: sign-in times, the IP address and device used to sign in, and security checks that tell people from bots.
• How you found us: the website, ad or link that brought you to sign up (for example the “utm” tags in a link).
• Website visits: pages viewed, which parts of a page were on your screen and for how long, how far you scrolled, whether you played the video and how much of it, which sign-up button you clicked, the site that referred you, your device type and your approximate location (country, region and city, worked out from your IP address). Visits are counted with a scrambled visitor code and a random code for your browser tab’s visit (kept in your browser only until you close the tab, not a cookie); we do not store your IP address for this. If you opt out (see section 6), the visit is counted without the visitor code, the visit code or location.
• Sign-up steps: which steps of sign-up you reached in the app, how long each took, and the error messages the app showed you (never what you typed). We use this to see where sign-up is hard and fix it.
• Advertising (Meta): if you allow advertising cookies on our website, Meta’s Pixel runs on the website and in the app. It lets Meta (the company behind Facebook and Instagram) set its own cookies (_fbp, and _fbc when you arrive from one of our ads) and record that you viewed a page, saw our pricing, clicked a sign-up button, created an account or finished SmartCredit® enrollment. Unless you opt out (section 6), when you create an account or finish SmartCredit® enrollment our server also tells Meta that it happened, sending your email address, phone number and account number in scrambled (hashed) form, Meta’s cookie ids if your browser has them, and your IP address and browser type, so Meta can match the event to its own users. We never send Meta your credit scores, credit report information, account numbers or any amount of money.

2. How we use it

• To create and run your account and keep it secure.
• To read your credit reports, find items you may want to dispute, and refresh your reports about every 5 days while your account is open, so the software can see what changed after each round.
• To fill in your letters with your details, signature and, for credit bureau letters, copies of your ID and proof of address.
• To send your letter through the mailing provider when you choose print-and-mail.
• To send you sign-in codes, account notices, delivery updates, reminders such as “your next round is ready,” and occasional tips. You can unsubscribe from non-essential emails at any time.
• To answer support requests.
• To improve the software, mostly with combined results across many members (for example, which kinds of dispute led to a correction), not by looking at one person’s file.
• To measure and improve our advertising on Facebook and Instagram: to learn which ads lead to sign-ups and to show our ads to people more likely to find the software useful.
• To prevent fraud and misuse, enforce our Terms, and meet legal obligations.

Artificial intelligence. Some features use Google’s Gemini AI service. When the software cannot classify an account on your report by its own rules, it sends that account’s details (such as the creditor, account number, balance and payment history) to Gemini to classify it. Your name, date of birth and Social Security digits are not sent. Letter wording is improved with combined statistics only, never with your personal details.

3. Who we share it with

We do not sell your personal information for money. We share limited information with Meta for advertising, as described in section 1 (“Advertising (Meta)”), unless you opt out. Under California law this can count as “sharing” for cross-context behavioral advertising, and other state laws call it targeted advertising. You can opt out at any time (section 6).

We share information only in these cases:

• The recipients of your letters. When you send a letter, the credit bureau, lender or collector it is addressed to receives what is in it, which can include your name, address, date of birth, the last four digits of your Social Security number, your signature and copies of your documents.
• Companies you choose to use: SmartCredit® when you enroll in credit monitoring, and the mailing provider (currently DocuSend) when you choose print-and-mail. For mailing, the provider receives the letter, your name and address as the sender, and your payment details to charge the mailing fee.
• Service providers that run the Service for us, under contracts that limit how they use your information: hosting and databases (Render, MongoDB Atlas, Netlify), file storage, security and email routing (Cloudflare), email delivery (Resend), and Google (AI processing, Google sign-in, and address suggestions when you type your address).
• Meta Platforms, Inc., for advertising, as described in section 1, unless you opted out. Meta uses this information under its own privacy policy and terms.
• Legal reasons: when required by law, subpoena or court order, or to protect the rights, safety and property of our members, the public or us.
• Business changes: if Credit Repair Automate is merged, sold or reorganized, your information may transfer to the new owner, who must honor this policy.

If you use the software through another company’s branded site, that company’s own privacy policy also applies to information it collects from you.

4. How long we keep it

We keep your information while your account is open, including while your credit monitoring membership is paused or cancelled, so your letters and history are there if you come back. When you ask us to delete your account, we delete everything we hold about you within 30 days of your request: your profile, uploaded documents, credit report data, letters, mailing records, support messages and sign-in records. We do not keep a copy. Website visit records are deleted after about 13 months. If you create an account, the records of the visit and sign-up steps that led to it are linked to your account, are deleted after about 6 months, and are deleted with your account if you ask us to delete it sooner.

Information you shared with SmartCredit® or the mailing provider, and letters already sent to the bureaus or lenders, are held by those companies under their own policies. Information sent to Meta is held by Meta under its own policies.

5. How we protect it

Information is encrypted in transit. Your date of birth, Social Security digits and signature are also encrypted in our database, and uploaded documents are kept in private storage that can only be opened through short-lived, access-checked links. Access inside the company is limited to people who need it to run the Service or help you. No system is perfectly secure, so we cannot guarantee security, but if a breach affects your information we will notify you as the law requires.

6. Your choices

• Emails: use the unsubscribe link in any non-essential email. Account and security messages still arrive while your account is open.
• Text messages: we send texts only for sign-in codes and letter delivery updates, and only if you add a phone number for them. We never send marketing texts.
• Credit report sharing: you can withdraw your permission at any time by contacting us or closing your account. The software then stops refreshing your reports.
• Cookies and similar tools: the site uses what it needs to work, such as remembering your privacy choices and keeping you signed in. With your permission, it also uses advertising cookies: Meta’s Pixel and its _fbp and _fbc cookies (section 1). They load only after you allow analytics and advertising cookies (“Okay” on the cookie notice, or “Privacy choices” in the footer), and you can turn them off at any time there.
• Do Not Sell or Share My Personal Information: use the link of that name in the footer of the website or the app. It stops Meta’s Pixel in that browser and stops our server from sending Meta your sign-up events. On the website it is the same switch as advertising cookies in “Privacy choices”, and your choice is carried over to the app when you sign up from the site.
• Global Privacy Control: if your browser sends this signal, we treat it as an opt-out of sale and sharing for that browser: Meta’s Pixel does not run and our server sends Meta nothing about you. We do not respond to “Do Not Track” signals, which have no common standard.

7. Your privacy rights

Depending on your state, including California, Colorado, Connecticut, Virginia, Texas, Oregon and others with privacy laws, you may have the right to:

• know what personal information we collect, use and share, and get a copy of it in a portable format;
• correct information that is wrong;
• have your information deleted;
• opt out of the sharing of personal information for cross-context behavioral advertising and of targeted advertising (use “Do Not Sell or Share My Personal Information” in the footer, or Global Privacy Control; we do not sell personal information for money);
• limit the use of sensitive personal information (we use it only to provide the Service you asked for);
• appeal if we decline your request; and
• not be treated differently for using any of these rights.

To make a request, email support@creditrepairautomate.com from the email address on your account. We will confirm your identity before acting and respond within 45 days, or tell you if we need more time as the law allows. You can use an authorized agent with your written permission; we may ask you to confirm your identity directly. If we decline your request, reply to our answer to appeal, and we will respond within the time your state’s law requires. If your appeal is denied, you can contact your state attorney general.

California notice. In the last 12 months we collected these categories of personal information: identifiers (name, email, address, IP address); personal records (signature, ID documents, phone number); financial information (credit report contents and account numbers); internet activity (site visits and app activity); approximate location; and sensitive personal information (the last four digits of a Social Security number, ID documents, and account numbers in credit reports). We collected them from you, from SmartCredit® with your permission, from the mailing provider, from Google sign-in, and automatically. We used and disclosed them only for the purposes and to the recipients described above. We do not sell personal information for money. Since October 2026, we share identifiers (scrambled email address, phone number and account number, Meta’s cookie ids, IP address) and internet activity (the website and sign-up events listed in section 1) with Meta for cross-context behavioral advertising, unless you opt out. We do not share sensitive personal information for advertising, and we do not knowingly sell or share information of anyone under 16.

8. Children

The Service is for adults 18 and over. We do not knowingly collect information from anyone under 18, and we delete it if we learn we have.

9. United States only

The Service is for people in the United States, and information is stored and processed in the United States.

10. Changes to this policy

We will update this policy when our practices or the law change. For a material change we will notify you by email or in the app before it takes effect. The date at the top shows the latest version.

11. Contact

Visionary Strategic Solutions LLC, doing business as Credit Repair Automate
support@creditrepairautomate.com