Privacy Policy
Last updated: October 30, 2026
Credit Bully AI ("we," "us," or "our") is a credit repair organization. This Privacy Policy explains how we collect, use, and protect your information when you use our services. By engaging with us, you agree to the practices described here.
Information We Collect
We collect information you provide directly, such as your name, contact details, and credit report information you share so we can review and prepare disputes on your behalf. We may also collect information needed to verify your identity, such as a government-issued ID.
How We Use Your Information
We use your information to review your credit reports, prepare and send dispute letters to the credit bureaus and creditors, track responses, follow up in rounds, communicate with you about your file, and comply with applicable legal requirements.
How We Share Your Information
We share your information only as necessary to provide our services — for example, with the credit bureaus, creditors, and other recipients involved in the dispute process. We do not sell your personal information.
Data Security
We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.
Your Rights
You have the right to dispute inaccurate information in your credit report yourself at no cost. You may also request access to or correction of the personal information we hold about you, subject to applicable law.
Retention
We retain your information for as long as necessary to provide our services and to comply with legal obligations, and then delete or anonymize it where appropriate.
Changes to This Policy
We may update this Privacy Policy from time to time. We will post any updated policy on this page and update the date below.
Contacting Us
If you have questions about this Privacy Policy or how we handle your information, please contact us using the information on our Contact page.