We collect information from you when you register on our site or subscribe to our newsletter.

Any data we request that is not required will be specified as voluntary or optional.

When ordering or registering on our site, as appropriate, you may be asked to enter your: name or e-mail address. You may, however, visit our site anonymously.

Like most websites, we use cookies to enhance your experience, gather general visitor information, and track visits to our website. Please refer to the ‘do we use cookies?’ section below for information about cookies and how we use them.

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways:

• To personalize your experience
(your information helps us to better respond to your individual needs)

• To improve our website
(we continually strive to improve our website offerings based on the information and feedback we receive from you)

• To administer a contest, promotion, survey or other site feature

How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information when you submit a request.

These security measures include: SSL (Secure Sockets Layered) technology to ensure that your information is fully encrypted and sent across the Internet securely.

We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential.

After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be stored on our servers.

Do we use cookies?

Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information.

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

California Online Privacy Protection Act Compliance

Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

Childrens Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Your Consent

By using our site, you consent to our privacy policy.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page, and/or update the Privacy Policy modification date below. Policy changes will apply only to information collected after the date of the change.

This policy was last modified on 1/18/2010

Contacting Us

If there are any questions regarding this privacy policy you may contact us using the information below.

http://www.bestcreditrepairservices.com
351 Charles E Young Dr W
Los Angeles, CA 90024
United States
questions@bestcreditrepairservices.com

Privacy Policy Customer Pledge

We pledge to you, our customer, that we have made a dedicated effort to bring our privacy policy in line with the the following important privacy laws and initiatives:
Federal Trade Commision Fair
California Online Privacy Protection Act
Childrens Online Privacy Protection Act
Privacy Alliance

Wages and Outgoings
You should try and avoid spending more than you earn, as this can soon leave you with heavy debts, and once you have entered the debt cycle it can be hard to break free. Set up a household accounting spreadsheet, either on your computer or in hardcopy and make sure you write down exactly what you earn each month and what you spend each month, which should include items such as utility bills, rent/mortgage, groceries, vehicle and fuels costs, leisure time, clothes and any luxury goods (DVDs, magazines, etc). Add up your incomings and outgoings and make sure they match up, and if you discover you are living outside of your means then look at your spreadsheet and see if there are any areas you can cut back on. Always make sure you budget enough money for all of your bills and repayments first, and look to the food, luxury items and clothing sections for cutbacks.

Credit Cards
You may need to rethink your attitude to your credit cards. Credit Cards are debts, and every time you use one you are borrowing money, so think very carefully about what you are using them for, and whether it is necessary or not. You should try and get out of the habit of using credit card for nights out or luxury items, as if you have to use your credit card to pay for these things then this usually means that at the moment you can’t actually afford them, and so you are just getting yourself into more debts by treating yourself. If you are using your credit card to buy food and essentials each month then your finances are most likely in a bit of a mess, and you may need to speak to a debt management specialist to help you sort out your money issues.

There are a number of ways you can repair your credit if you do fall into a bad debt cycle, and the most important is to communicate with your lenders as soon as possible and work out a repayment plan early on that you can realistically manage. Lenders are usually willing to help those customers who are struggling to meet their commitments, but if you ignore the debt and let it build up then lenders will be less understanding, and by the time you get round to sorting it out they may no longer be in a position to offer you a revised repayment plan, and instead will insist the debt is repaid in full. You should also sit down and work out which of your debts are the most urgent and tackle these first, such as a mortgage as you could have your home repossessed if you do not keep up with these repayments.

It is important that you manage your debts well in order to keep on top of them and also so that you can maintain your good credit name, and if you find that you have fallen behind with repayments or mismanaged some of your credit then there are some simple steps you can take to repair this damage such as:
1. Write up a full schedule of all of your repayments and make sure you pay at least the minimum amount from each on time every month. This may not get the debts paid off quickly, but it will avoid any penalties which can soon add up, and will also ensure your debts are managed well and your good credit name is repaired.
2. Highlight all of your most important debts such as mortgages and secured loans, and make sure you treat these as a priority in your repayment schedule. You stand to lose a great deal if you cannot keep up with credit products such as mortgages, and your home could be repossessed if you fall too far behind so it is important that whatever happens you make sure you pay the minimum on these each month, every month.

The best way in which you can repair your credit is to make sure you pay off any outstanding debts that you have that are in arrears, and ensure you meet the minimum payments on all of your current credit products including any overdrafts, credit cards, loans or mortgages every month, in order to build yourself up a good, steady repayment history. This is what many lenders will be looking for when they check your credit history report, so although bad debts do remain on your report for 6 years, as long as you can show that you are now managing your current credit products well you should still be in with a good chance of success with any future credit applications.

You should also get a copy of your credit report for yourself, as this is a good way to make sure you are managing all of your credit products and debts well. Look out for any errors or suspicious activity on your report, as identity theft is growing increasingly common and criminals can steal enough personal information about their victims in order to apply fraudulently for credit in their names. Credit fraud is a serious crime so you should report any concerns you have about your credit history to the credit agencies as soon as possible, and this could also be adversely affecting your credit rating so it is important to get this sorted out quickly.

If you are not aware of any outstanding debts in your name, and you have never been refused credit before then it is very important that you check your credit report as soon as possible, as there could be a mistake recorded which has brought down your credit rating, or you could have become a victim of identity theft. This can occur when criminals steal enough personal information about you as an individual that they can actually impersonate you and apply for credit fraudulently in your name, and then they will literally take the money and run, leaving you to face any debts, charges and fees that have been incurred using your details. You can apply for one free copy of your credit report from the main credit reference agencies such as Experian and Equifax once a year, and you should use this to double check your credit history to ensure that all of the records are correct and that there has been no suspicious activity. If you do spot any errors or obvious tampering with your report then you must inform the credit reference agency immediately who will look into this further for you. If you do spot any suspicious activity on your credit report you should also carry out a check of all your bank accounts, credit statements and other financial records to ensure there have been no fraudulent charges elsewhere.

Existing Debts
Make sure you pay off the minimum agreed amounts on all of your credit products each month, and you might want to set up some direct debits so that these are never forgotten. This will ensure you do not fall behind with any repayments, and then if you have any spare money and want to pay some more off your debt then you can do so in addition to the minimum payment. If you are struggling to repay even the minimum amount on your debts, then contact your lenders. They may be willing to adjust your repayment schedule, and some lenders can also offer repayment holidays, which can give you a break if you are going through a bad patch in your finances.

Applying for new Credit
If you have a large amount of debt and you are struggling to manage all of the separate repayments then it could be a good idea for you to consolidate your debt into one single loan, as this will be much easy to manage and plan for. Book an appointment in your bank and speak to a professional loan advisor before you sign up to any new credit products, so that you can discuss all of the options available to you, and shop around for the best interest rates and deals, both in the high street and also online.