Privacy Policy

Last updated 3 September 2026.

This policy explains what Excel Credit Repair collects when you use excelcreditrepair.co or contact us, how we use it, and the choices you have. If anything here is unclear, contact us using the details at the end and we will explain it.

Who we are

Excel Credit Repair is a credit repair organization providing personal consumer credit repair services. We are not a lender, mortgage broker, law firm, or credit counseling agency.

Mailing address: 117 S Lexington St, Harrisonville, Missouri 64701
Phone: 978-397-9140
Email: [email protected]

Information we collect

• Information you give us. Your name, email address, phone number, and anything you choose to tell us about your situation when you submit a form, call, text, or email.
• Information needed to provide the service. If you become a client, we collect the information required to review your credit reports and prepare disputes on your behalf. This can include your address history, date of birth, and identifiers required by the credit bureaus.
• Information collected automatically. Standard web and messaging data such as your IP address, browser type, the pages you viewed, and the page or link that referred you.
• Referral source. If you reached us through a referral link, we record which partner referred you so we can attribute the referral.

How we use it

• To review your credit reports and provide the services you asked for.
• To contact you about your enquiry, your file, and your account.
• To send you marketing or promotional messages, but only where you have separately consented to receive them.
• To meet our legal and record-keeping obligations.

Text messages

Our forms ask separately for two kinds of consent: consent to receive non-marketing service messages about your credit restoration, and consent to receive marketing and promotional messages. You can give one, both, or neither, and you can use our services without agreeing to marketing messages.

Message frequency varies. Message and data rates may apply. Reply HELP for assistance and STOP to opt out at any time. Opting out of text messages does not affect the services you have engaged us to perform.

We do not sell or share your mobile number or your consent to text messaging with third parties for their own marketing purposes.

Sharing your information

We do not sell your personal information. We share it only in these situations:

• Service providers. Companies that operate our systems on our behalf, including our customer relationship and messaging platform, and any provider used to access credit report data. They may only use the information to provide services to us.
• Credit bureaus and furnishers. Where you have engaged us, we send disputes and supporting information on your behalf.
• The partner who referred you, only with your permission. If a mortgage professional or other partner referred you, we will ask you separately whether we may share your progress with them. If you say yes, we share milestone status only — received, contacted, appointment scheduled, enrolled, service in progress, completed. We never share your credit reports, your scores, or the contents of your file. If you say no, we share nothing, and that has no effect on the service you receive.
• Where the law requires it, or to establish or defend legal claims.

How long we keep it

We keep client records for as long as needed to provide the service and to meet legal and record-keeping obligations, and then delete or de-identify them. If you enquired but never became a client, you can ask us to delete your enquiry at any time.

Security

We use commercially reasonable administrative and technical measures to protect the information we hold. No method of transmission or storage is completely secure, and we do not claim otherwise.

Your choices

• Ask us what personal information we hold about you, and ask for a copy.
• Ask us to correct information that is wrong.
• Ask us to delete your information, subject to records we are required to keep.
• Withdraw consent to marketing messages at any time, by replying STOP or contacting us.

To make any of these requests, contact us using the details above. Depending on where you live you may have additional rights under state law.

Cookies and analytics

Our site uses cookies and similar technologies to make the site work and to understand how it is used, including which page or campaign referred a visitor. You can control cookies through your browser settings; blocking them may affect how parts of the site behave.

Children

Our services are for adults. We do not knowingly collect personal information from anyone under 18. If you believe a minor has given us information, contact us and we will delete it.

Changes to this policy

If we change this policy we will update the date at the top of this page. Material changes will be highlighted on the site.

Contact

Questions about this policy or about your information:
Email: [email protected]
Phone: 978-397-9140