Credit Help Lab ("we," "us," "our") operates the website credithelplab.com and provides software tools and statutory research services. This policy explains what personal information we collect, how we use it, who we share it with, and the rights you have under federal and state law.
We collect only the information necessary to provide our software platform services:
We use your information only to:
We do NOT:
Credit Help Lab is a software platform. We are not a credit repair organization as defined by 15 U.S.C. § 1679 et seq. We do not perform credit repair services on your behalf, contact credit bureaus for you, mail documents for you, or act as your representative in any matter. We provide technology tools, statutory research, and document templates that enable you to exercise your own rights under federal consumer protection law.
The federal Credit Repair Organizations Act (15 U.S.C. § 1679) requires that any person who provides credit repair services for a fee must provide you with specific disclosures, including a 3-day right to cancel. We honor these requirements as a matter of good practice even though our services are not "credit repair services" as defined in the Act.
The Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) governs how consumer reporting agencies handle your credit information. Key provisions we honor:
If you provide nonpublic personal information through our platform, we treat it as "customer information" under 15 U.S.C. § 6801 et seq. We maintain safeguards to protect that information and do not share it with third parties except as required by law or as you explicitly authorize.
If you are a California, Virginia, Colorado, Connecticut, Utah, or Texas resident, you have additional rights under state privacy law:
To exercise these rights, email privacy@credithelplab.com or call (313) 555-CREDIT.
Your data is encrypted in transit (TLS 1.3) and at rest (AES-256). Access is limited to authorized personnel with MFA and audit logging. Credit report uploads are processed in an isolated sandbox and permanently deleted within 60 seconds of document generation completion.
Our services are not directed to anyone under 18. We do not knowingly collect information from minors. If you believe a minor has provided information to us, contact privacy@credithelplab.com for immediate deletion.
We use first-party cookies for session management and optional analytics. We do not use third-party advertising cookies. You can disable cookies in your browser settings without losing access to the platform's core functionality.
Credit Help Lab is operated from the United States and intended for U.S. residents. The federal consumer protection statutes referenced in our platform apply only to U.S. credit reporting. By using our service, you consent to transfer of your information to the United States.
We will post material changes on this page with a revised "Last updated" date. Continued use of our services after the effective date constitutes acceptance.
Credit Help Lab
Email: privacy@credithelplab.com
Support: support@credithelplab.com
Phone: (313) 555-CREDIT
This policy is provided in compliance with the Fair Credit Reporting Act (15 U.S.C. § 1681), the Credit Repair Organizations Act (15 U.S.C. § 1679), the Gramm-Leach-Bliley Act (15 U.S.C. § 6801), the California Consumer Privacy Act (Cal. Civ. Code § 1798.100), and other applicable federal and state privacy statutes.