Legal

Privacy Policy

Effective Date: January 1, 2025 · Winning Credit Solutions, LLC

Winning Credit Solutions, LLC ("WCS," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or engage our credit repair and business credit building services. Please read this policy carefully. By using our services, you agree to the practices described herein.

1. Information We Collect

When you use our website, request a consultation, or enroll in our services, we may collect the following categories of personal information:

—Contact Information: Full name, email address, phone number, and mailing address.

—Financial & Credit Information: Credit report data, account information, bureau dispute details, and information necessary to provide credit repair or business credit building services. This information is collected only with your express written consent.

—Business Information: Business name, EIN, business address, and formation documents when you engage our business credit building services.

—Usage Data: Browser type, IP address, pages visited, and referring URLs collected automatically when you visit our website.

—Communications: Records of emails, calls, portal messages, and correspondence between you and Winning Credit Solutions, LLC.

2. How We Use Your Information

We use the information we collect for the following purposes:

—To provide credit repair, business credit building, and related services you have retained us for.

—To communicate with you regarding your account, dispute status, and progress.

—To comply with our legal obligations under the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and other applicable federal and state laws.

—To improve our website, services, and client experience.

—To send you service-related updates, educational content, and information about programs you have opted into.

—To process payments and maintain billing records.

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.

3. Credit Report Data & FCRA Compliance

Winning Credit Solutions, LLC operates in full compliance with the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.). Any access to your credit report is obtained only with your express written authorization via a signed client agreement.

We use your credit report data exclusively to:

—Analyze inaccurate, unverifiable, or obsolete information on your consumer credit file.

—Draft and submit dispute letters to the three major credit bureaus (Equifax, Experian, and TransUnion) on your behalf.

—Track deletion, correction, and reinsertion activity on your file.

We do not access or use consumer credit data for any purpose other than the services you have contracted with us.

4. How We Share Your Information

We may share your information in the following limited circumstances:

—Credit Bureaus: To submit disputes on your behalf (Equifax, Experian, TransUnion).

—Creditors & Data Furnishers: When necessary to validate or challenge accounts on your credit report.

—Service Providers: Trusted vendors who assist us in operating our business (e.g., secure portal technology, payment processors, email platforms) who are contractually bound to protect your data.

—Legal Requirements: When required by law, court order, or government authority.

—Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the successor entity with equivalent protections.

We do not share your financial or credit data with any third party for cross-marketing, lead generation, or advertising purposes.

5. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect your personal and financial information. These include:

—Encrypted data storage and transmission (SSL/TLS).

—Restricted internal access to sensitive client data.

—Secure client portal with password protection and session management.

—Regular security reviews of our systems and processes.

No method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. If a data breach occurs that affects your rights, we will notify you as required by applicable law.

6. Data Retention

We retain your personal and credit-related information for as long as necessary to provide our services and comply with legal obligations. Upon termination of your service agreement, we may retain records as required by federal and state law, including the Credit Repair Organizations Act (CROA) and applicable recordkeeping regulations.

You may request deletion of your data at any time by contacting us in writing. We will honor such requests to the extent permitted by law.

7. Your Rights

Depending on your state of residence, you may have certain rights regarding your personal information, including:

—The right to access the personal information we hold about you.

—The right to request correction of inaccurate data.

—The right to request deletion of your personal data (subject to legal retention obligations).

—The right to opt out of marketing communications at any time.

—California residents may have additional rights under the California Consumer Privacy Act (CCPA).

To exercise any of these rights, please contact us at Kelly@WinningCreditSolutions.com or call 833-WIN-WIN-7.

8. Cookies & Tracking Technologies

Our website may use cookies and similar tracking technologies to improve your browsing experience, analyze site traffic, and understand how visitors interact with our content. You may disable cookies through your browser settings; however, doing so may affect certain features of our website.

We do not use cookies to collect sensitive financial or credit information.

9. Third-Party Links

Our website may contain links to third-party websites, such as credit bureau portals or partner resources. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our services are intended for adults aged 18 and older. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have inadvertently collected data from a minor, we will delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or services. We will post the updated policy on this page with a revised effective date. Continued use of our services after any changes constitutes your acceptance of the updated policy.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:

Winning Credit Solutions, LLC

Attn: Kelly B. Hunter

Phone: 833-WIN-WIN-7 (833-946-9467)

Email: Kelly@WinningCreditSolutions.com