This Privacy Policy applies to all services offered by 850 FICO Club, including our website at 850ficoclub.com, our client portal, and all credit education and dispute assistance services. By using our services, you consent to the data practices described in this policy.
Information We Collect
We collect information that is necessary to provide our credit education and dispute assistance services. The types of information we may collect include:
Personal Identification
Full legal name, date of birth, Social Security Number (for credit report access), current and previous addresses, phone number, and email address.
Financial Information
Credit report data from Equifax, Experian, and TransUnion, account information, payment history, and billing details necessary to process your service fees.
Communications
Records of correspondence between you and 850 FICO Club via phone, email, SMS, or through the client portal, including consultation notes and service requests.
Technical & Usage Data
IP address, browser type, device information, pages visited, time spent on site, and other analytics data collected automatically when you visit our website or use our portal.
Service-Related Documents
Signed service agreements, authorization forms, dispute letters, bureau correspondence, and any documents submitted to or received from consumer reporting agencies on your behalf.
SMS & Marketing Consent
Records of your opt-in or opt-out status for SMS communications, appointment reminders, and marketing messages, including the date and method of consent.
We collect this information directly from you when you enroll in our services, fill out forms on our website, contact us by phone or email, or interact with our client portal. We may also receive information from third-party sources such as consumer reporting agencies when you authorize us to access your credit reports.
Section 02How We Use Your Information
850 FICO Club uses the information we collect for the following purposes:
- To Provide Our Services — To deliver the credit education, credit report analysis, and dispute assistance services you enrolled in, including preparing and submitting dispute letters on your behalf.
- To Process Payments — To charge service fees according to your enrollment plan and maintain accurate billing records.
- To Communicate With You — To send service updates, case status notifications, appointment reminders, and responses to your inquiries via phone, email, or SMS.
- To Maintain Your Client Portal — To create, maintain, and update your secure client portal account with service progress and documentation.
- To Comply With Legal Obligations — To fulfill our legal obligations under the Fair Credit Reporting Act (FCRA), Credit Repair Organizations Act (CROA), and other applicable federal and state laws.
- To Improve Our Services — To analyze usage patterns and service outcomes in order to improve the quality and effectiveness of our offerings. This analysis uses aggregated, de-identified data only.
- To Prevent Fraud & Protect Security — To detect, investigate, and prevent fraudulent transactions, unauthorized access, and other illegal activity.
- For Marketing Communications — With your prior consent, to send promotional information about our services or special offers. You may opt out at any time.
We will not use your personal information for any purpose that is incompatible with the purposes described in this policy without first obtaining your consent or as otherwise required or permitted by law.
Section 03How We Share Your Information
850 FICO Club does not sell your personal information to third parties. We may share your information with the following categories of recipients, only as necessary to provide services or comply with legal requirements:
We share information with Equifax, Experian, and TransUnion as necessary to access your credit reports and submit dispute correspondence on your behalf, pursuant to your written authorization.
We work with third-party service providers who assist us in operating our website, client portal, payment processing, and business communications. These providers are contractually required to protect your information and are permitted to use it only as directed by 850 FICO Club. Current service provider categories include CRM platforms, payment processors, SMS communication platforms, and website hosting providers.
We may disclose your information when required by law, court order, or government regulation, or when we reasonably believe disclosure is necessary to protect the rights, property, or safety of 850 FICO Club, our clients, or the public.
In the event that 850 FICO Club is involved in a merger, acquisition, or sale of assets, your personal information may be transferred to the successor entity. You will be notified of any such change and the applicable privacy policy of the new entity.
We never sell your personal data. Your information is used solely to provide the services you enrolled in and to communicate with you about those services. Third-party advertisers have no access to your personal information through 850 FICO Club.
Cookies & Tracking Technologies
Our website uses cookies and similar tracking technologies to improve your experience and understand how our site is used. Cookies are small data files placed on your device when you visit our website.
- Essential Cookies — Required for the website to function properly. These cannot be disabled without affecting core site functionality.
- Analytics Cookies — Used to understand how visitors interact with our website, which pages are most popular, and how visitors navigate through the site. We use this data in aggregate form.
- Marketing & Tracking Pixels — We may use tracking pixels (including those provided by our CRM platform) to measure the effectiveness of our communications and advertising. These may track page visits and conversions.
Most web browsers allow you to control cookies through their settings. Disabling certain cookies may affect the functionality of our website. You may also opt out of certain analytics tracking by adjusting your browser settings or using browser extensions designed for this purpose.
Section 05SMS Communications & Text Messaging
By providing your phone number and checking the SMS consent checkbox during enrollment or form submission, you agree to receive text messages from 850 FICO Club. These messages may include:
- Service updates and case status notifications
- Appointment reminders and consultation confirmations
- Important account or billing notifications
- Promotional offers (with separate consent)
You may opt out of SMS communications at any time by replying STOP to any text message you receive from us. You may also contact us directly at info@850ficoclub.com or to request removal from SMS communications. Message and data rates may apply. Message frequency varies.
Opting out of SMS communications will not affect your ability to receive services or communicate with us through other channels such as email or phone.
Section 06Your Privacy Rights
Depending on your state of residence and applicable law, you may have the following rights with respect to your personal information:
| Right | Description | Available |
|---|---|---|
| Right to Access | Request a copy of the personal information we hold about you. | ✓ Yes |
| Right to Correction | Request correction of inaccurate or incomplete personal information. | ✓ Yes |
| Right to Deletion | Request deletion of your personal information, subject to legal retention requirements. | ✓ Yes |
| Right to Opt Out of Marketing | Opt out of receiving marketing communications from 850 FICO Club at any time. | ✓ Yes |
| Right to Data Portability | Request a copy of your data in a portable, machine-readable format where technically feasible. | ✓ Yes |
| Right to Restrict Processing | Request that we limit how we process your personal information in certain circumstances. | ✓ Yes |
| Right to Non-Discrimination | You will not receive different service quality or pricing for exercising your privacy rights. | ✓ Yes |
To exercise any of the rights above, please contact us using the information in Section 10 of this policy. We will respond to verified requests within 30 days. We may need to verify your identity before processing certain requests.
Please note that some information may need to be retained to comply with our legal obligations under the FCRA, CROA, or other applicable laws, even after a deletion request.
Section 07Data Security
850 FICO Club takes the security of your personal information seriously. We implement reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction.
- Encrypted Transmission — All data transmitted between your browser and our website is encrypted using SSL/TLS technology.
- Secure Client Portal — Access to your credit documents and case information is protected by secure login credentials through our third-party portal provider.
- Access Controls — We limit access to your personal information to employees and contractors who need it to perform their job functions.
- Data Breach Response — In the event of a data breach that affects your personal information, we will notify you as required by applicable law.
While we take reasonable steps to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee the absolute security of your information, and you provide it at your own risk.
Section 08Children's Privacy
Our services are intended for adults aged 18 and older. 850 FICO Club does not knowingly collect personal information from anyone under the age of 18. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete that information as promptly as possible.
Section 09Changes to This Privacy Policy
850 FICO Club reserves the right to update or modify this Privacy Policy at any time. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify enrolled clients by email or through the client portal.
Your continued use of our services after the effective date of any changes constitutes your acceptance of the updated Privacy Policy. We encourage you to review this page periodically to stay informed about how we protect your information.
Section 10Contact Us About Privacy
If you have questions, concerns, or requests regarding this Privacy Policy or the personal information we hold about you, please contact us using any of the following methods:
Privacy Contact — 850 FICO Club
Our team is available to address any privacy-related questions or to process rights requests. Please allow up to 30 days for a response to formal rights requests.
- Email: info@850ficoclub.com
- Hours: Monday–Friday, 10AM–6PM EST
- Coverage: Nationwide — All 50 States
This Privacy Policy is provided for informational purposes and constitutes a binding agreement between you and 850 FICO Club regarding the collection, use, and protection of your personal information. This policy does not constitute legal advice. For legal questions specific to your situation, please consult a licensed attorney. 850 FICO Club provides credit education and consulting services. We do not guarantee the removal of accurate information or specific credit score increases. © 2026 850 FICO Club. All rights reserved.