Privacy policy

Current account experience

DIY Credit uses a third-party account provider for secure account creation and sign-in. That provider processes authentication information such as your email address, account identifier, session information, and any sign-in method you choose.

Imported credit-report details, selections, and dispute reasons are saved to a database record tied to the signed-in account. Date of birth and only the last four digits of the Social Security number are collected when a customer prepares a printable letter and encrypted in a separate sensitive-profile record. A customer also uploads a copy of a government-issued ID before printing a first dispute packet. These records are kept separately from the general workspace; access by authorized support administrators is limited to assisting the customer and is logged. DIY Credit does not ask for or store SmartCredit® passwords.

Information the service may use

To provide the saved workspace, DIY Credit processes:

• Account information such as name, email address, and authentication identifier.
• A customer-provided image of government-issued identification, when uploaded for a dispute packet.
• Mailing details used to prepare customer-reviewed dispute letters.
• Masked credit-report account summaries received through approved SmartCredit® report access.
• Dispute selections, customer explanations, generated letters, and mailing-status records.
• Consent, security, and operational records needed to protect the service.

SmartCredit® report access

DIY Credit receives report data through SmartCredit® approved partner access. SmartCredit® is a separate credit monitoring membership provided independently by ConsumerDirect and is not part of Credit Dudes LLC. DIY Credit does not ask for or store a customer’s SmartCredit® username, password, or payment details. SmartCredit® maintains its own privacy practices, service agreement, pricing, and cancellation process and must be managed or canceled separately.

How information is used

Customer information is used to provide the requested workspace, display report data, prepare customer-reviewed letters, maintain security, respond to support requests, and comply with applicable law. DIY Credit does not sell customer credit-report data.

Authorized administrators may access a customer’s saved workspace when reasonably necessary to investigate a support request, correct a technical problem, maintain security, or administer the service. Administrator access is permission-restricted, and changes made through the support console are recorded with the administrator account, affected customer account, time, action type, and a limited operational summary.

Security and retention

Account authentication uses encrypted transport and provider-managed sessions. Saved-workspace, sensitive-profile, and identity-document requests require a signed-in account, and the server derives the owner identifier from that authenticated session rather than accepting it from the browser. DIY Credit does not request or store a full Social Security number. Deleting the saved workspace also deletes the separately stored sensitive profile and ID image. Authorized administrators may access or update identity details only while assisting a customer; those actions are logged. Security monitoring and retention procedures are reviewed as the connected service evolves.

Policy changes and contact

This policy carries a version, and if we change it in a way you should see, we will ask you to review it again the next time you sign in. Your account keeps a record of which version you accepted and when.

DIY Credit is operated by Credit Dudes LLC, a Utah limited liability company. Questions about your data, or a request to see or delete what we hold, can go to our support team through the Report a bug option in your account, or by writing to us:

Depending on where you live, you may have additional rights over your personal information, including the right to request a copy or its deletion. You can delete your workspace, identity details, and ID image yourself at any time from your account.