The Credit Repair Ministry LLC - Privacy Policy

Last Updated: 03/30/2025

Thank you for choosing The Credit Repair Ministry LLC. We value your trust and are committed to safeguarding your personal information. This Privacy Policy outlines how we collect, use, and protect your data when you engage with our website and services. Please read it carefully to understand how your personal information is handled.

By using our website and services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect both personal and non-personal information to provide you with the best possible services. This information may include:

• Personal Identification Information: When you sign up for our services or contact us, we may collect your name, email address, phone number, billing information, and other personal details necessary to provide you with credit repair services.
• Usage Data: We also collect data about how you use our website, such as IP addresses, browser types, device information, pages visited, and other usage statistics. This helps us improve the functionality and user experience of our site.

2. How We Use Your Information

Your personal information helps us provide, improve, and personalize our services. We use your data for the following purposes:

• To Provide Our Services: The information you provide is used to deliver the credit repair services you request, such as credit analysis, dispute management, and personalized credit repair strategies.
• To Communicate with You: With your consent, we may send you updates, newsletters, or marketing communications about our services, affiliate offers, or other relevant credit-related topics.
• To Improve Our Website: Usage data is collected to analyze website performance, improve functionality, and enhance your experience when using our site.
• To Comply with Legal Requirements: We may use your information to comply with applicable laws or regulations, protect against fraud, or defend against legal claims.

3. Third-Party Affiliations

The Credit Repair Ministry LLC is affiliated with third-party services that provide tools and resources to support your credit repair journey. These include:

• MyScoreIQ, IdentityIQ, and MyDisco: We may recommend these services to you for credit monitoring, tracking, and dispute management. When you sign up for these services through our website, we may receive compensation from these third parties. We only promote these services because we believe they offer valuable tools to help you manage and improve your credit.

Please note that when you engage with these third-party services, your personal information will be subject to their privacy policies. We encourage you to review their privacy policies before signing up.

4. Sharing Your Information

The Credit Repair Ministry LLC will never sell your personal information. However, we may share your information under the following circumstances:

• Service Providers: We may share your data with third-party service providers who help us deliver our credit repair services, such as billing services or email marketing platforms.
• Legal Compliance: We may disclose your information to comply with legal obligations, protect our rights, or defend against fraud.
• Affiliated Services: If you sign up for MyScoreIQ, IdentityIQ, or MyDisco via our website, your personal information may be shared with these third-party services as part of your registration process.

5. How We Protect Your Information

We take your privacy seriously and implement industry-standard security measures to protect your personal information from unauthorized access, loss, or misuse. This includes encryption, firewalls, and secure data storage practices. However, no system is entirely secure, and while we strive to protect your data, we cannot guarantee its absolute security.

6. Cookies and Tracking Technologies

We use cookies and other tracking technologies to enhance your experience on our website. Cookies help us analyze website traffic, remember your preferences, and customize content. You can control cookie settings through your browser, but disabling cookies may affect the functionality of some website features.

7. Your Rights and Choices

• Access and Control: You have the right to access, correct, or delete your personal information. If you wish to update or remove your information, please contact us using the details provided below.
• Opting Out: You can opt out of receiving marketing communications from us at any time. Each email we send will include an option to unsubscribe.
• Data Retention: We will retain your information for as long as necessary to provide our services and comply with legal obligations.

8. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect or solicit personal information from children. If you believe we have collected personal information from a child under 18, please contact us immediately, and we will delete that information.

9. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. When changes are made, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically for any updates.

10. Contact Us

If you have any questions or concerns about our Privacy Policy or how your data is handled, please reach out to us using the contact details below:

• Phone: (901) 403-7523 (Available Monday to Friday, 9 AM - 2 PM CST)
• Email:
  • General inquiries: kyterria@thecreditrepairministry.com
  • Customer support: kyterria@thecreditrepairministry.com

Updated Sections for The Credit Repair Ministry LLC Website

1. Important Information Regarding Valid Payment Methods

When you sign up for credit repair services through The Credit Repair Ministry LLC, it is crucial that you use a valid and active credit card after your free trial period with IdentityIQ or other affiliated services. This ensures that your monthly payment can be processed without issues.

Please note:

• If your card is declined after the free trial period, I will be unable to continue providing services to you. This is because payments are necessary to keep your credit repair process active and effective.
• If you report the charge as fraud, I will no longer provide services to you in the future. This action violates the trust necessary to maintain a working relationship, and as a result, I will have to discontinue all future services.

To avoid these situations, it is extremely important that you:

• Ensure your payment method is valid and has sufficient funds available for the monthly payments.
• Properly cancel your IdentityIQ membership if you no longer wish to continue with it, to prevent unnecessary charges or confusion.

To cancel your MyScoreIQ membership, you have a couple of options:

Option 1: Cancel by Phone

1. Contact Customer Service:

   • Call MyScoreIQ's Customer Service Representatives at (800) 637-5590.
   • They are available to assist you Monday through Friday, from 11:00 AM to 4:00 PM CST.
      
   •  Provide Membership Information:
   • Have your membership details ready, including your Member ID, first and last name, and the address used during sign-up.

2. Confirm Cancellation:

   • Request the cancellation of your membership.
   • After cancellation, there will be no future charges.

Option 2: Cancel Online

1. Log In to Your Account:

   • Visit the MyScoreIQ website and sign in to your account.

2. Navigate to Account Settings:

   • Access the "My Account" section.

3. Initiate Cancellation:

   • Look for the option to cancel your membership.
   • Follow the on-screen instructions to complete the cancellation process.

Important Considerations:

• Refund Policy: Upon cancellation, MyScoreIQ does not offer refunds or prorated refunds.  

   Alternative Cancellation Services: Some third-party services, like Xpendy, offer to send a registered cancellation letter on your behalf for a fee. However, using such services is optional and may involve additional costs.  

If you encounter any issues during the cancellation process or require further assistance, it's advisable to contact MyScoreIQ's customer service directly at the number provided above. I am here to support you in improving your credit, but maintaining a valid payment method is essential to ensure the continuation of services.