Privacy Policy

This Privacy Policy explains how Rapid Rescore LLC (“Rapid Rescore,” “we,” “us”) collects, uses, shares, and protects your information when you use Rapid Rescore.com and the Rapid Rescore app (the “Service”). The Service gives you credit monitoring, helps you prepare credit dispute letters, and offers optional mailing and notarization of those letters. Our Terms of Service explain what the Service costs and how it works. By using the Service you agree to the practices described here.

Information we collect

The information we collect depends on how you use the Service.

• Identity and contact information you give us: your name, email, phone number, mailing address, and date of birth.
• Social Security number. We ask for it so the credit bureaus can find your file and so we can print it on your dispute letters. It is encrypted when stored and is shown masked everywhere in the app.
• Credit information. With your authorization, we obtain your credit reports and scores through our credit data provider, Array, and store the accounts and details shown on them, along with changes over time and the status of your disputes.
• Documents you upload: a photo ID, proof of address, and an FTC Identity Theft Report if you claim identity theft. These are stored privately and are not publicly accessible.
• Dispute and order information: the items you dispute and why, the letters we prepare, your confirmations, and your mailing and notarization orders with tracking details.
• Payment information. Your card is entered into our payment processor's secure form. We do not receive or store your card number; we keep a token that lets us bill your subscription and any optional services you order, and a record of your payments.
• Messages and support you send us, including through our contact form.
• Technical and usage data collected automatically: IP address, device and browser type, pages viewed, and how you reached us (for example, the ad or link you clicked).

How we use your information

• Create and run your account, verify your identity, and provide credit monitoring;
• Prepare your dispute letters and attach the documents the credit bureaus require;
• Print and mail your letters, track delivery, and arrange notarization when you choose those services;
• Charge your subscription and any optional services, and send receipts and billing notices;
• Send you account messages, reminders about your disputes, and service updates;
• Send marketing emails you can opt out of at any time (see Your choices);
• Measure and improve our advertising and the Service;
• Prevent fraud, secure the Service, and enforce our Terms; and
• Comply with the law and respond to legal requests.

How we share your information

We do not sell your personal information. We share it only as needed to provide the Service, and with the companies that help us do so, under agreements that limit how they may use it:

• Credit data provider (Array) and the credit bureaus (Experian, TransUnion, Equifax): your identity details are used to verify you and retrieve your reports and scores, and to monitor your file while your subscription is active.
• Printing and mailing service: when you order mailing, we send your letters (which include your name, address, date of birth and Social Security number) and your attached documents to the mailing service so they can print and mail them to the bureaus.
• Online notary service: when you order notarization, the notary service receives your name, email, phone number, and the letter to be notarized, and records the audio-video session as notarization law requires. The notary will ask you to verify your identity.
• Payment processor: processes your card payments and stores your card securely.
• Hosting, database, and email providers that store your data and deliver our messages for us.
• Advertising platforms (for example Meta): if you did not choose “necessary only” cookies, we share events such as signing up or purchasing, with limited identifiers (such as a hashed email), so we can measure our ads. We do not send your credit information to advertising platforms.
• Optional introductions. We may offer, never pre-selected, an option to be introduced to a lender or broker. If you choose it, we share the contact details you entered with the participating lender or broker, and we tell you so when you opt in.
• Professional advisors, authorities, and business transfers: our lawyers, accountants and insurers; government authorities where the law requires it or to protect rights and safety; and a buyer or successor if we are involved in a merger or sale of the business, with notice to you.

Your credit report and authorization

Rapid Rescore is not a credit bureau. We obtain your credit reports and scores only for you, with the authorization you give when you subscribe, so you can review them and prepare your own disputes. Scores shown to you may differ from the scores a lender uses.

Cookies and advertising

We use cookies and similar technologies to keep the site working, remember your choices, understand how the Service is used, and measure our advertising. You can choose “necessary only” in our cookie banner, change your browser settings, or use the industry opt-out at aboutads.info/choices. Blocking some cookies may affect how the site works.

Data security

We use safeguards designed to protect your information, including encryption in transit and at rest, application-level encryption of Social Security numbers, private storage for ID documents, and access limited to the people and systems that need it. No method of storage or transmission is completely secure, so we cannot guarantee absolute security.

How long we keep information

We keep your information while your account is open and as long as needed to provide the Service, resolve disputes, keep payment and tax records, and meet legal obligations. When your subscription ends we stop your credit monitoring; your saved letters and history stay in your account unless you ask us to delete them.

Your choices and rights

• Access, correct, or delete. You can ask for a copy of your information, correct it, or delete your account. We may keep records we are required to keep (such as payment records).
• Marketing emails. Use the unsubscribe link in any marketing email. We will still send service messages about your account, billing, and disputes.
• Cancel your subscription anytime in your account.

To make a request, email info@rapidrescore.com. We may need to verify your identity first, and we will respond as the law requires. We will not treat you differently for using your privacy rights.

California and other state residents

If you live in California or another state with a consumer privacy law, you may have the right to know what personal information we collect, use, and disclose; to access and correct it; to delete it; and to opt out of its sale or sharing for advertising. In the past 12 months we collected identifiers, financial and credit information, government identifiers (such as your Social Security number), commercial information, internet activity, and geolocation at the city level, for the purposes described above, and disclosed them to the categories of recipients listed above for business purposes. We do not sell personal information. To use your rights, or to authorize an agent to do so for you, email info@rapidrescore.com.

Children's privacy

The Service is for adults 18 and over. We do not knowingly collect information from children, and we delete it if we learn we have.

Third-party sites

Our site may link to other sites, such as IdentityTheft.gov, that we do not control. Their privacy practices are their own, and we encourage you to read their policies.

United States only

The Service is provided in the United States, and your information is processed and stored in the United States.

Changes to this policy

We may update this Privacy Policy. We will change the “Last updated” date above, and for material changes we will notify you by email or in the app.

Contact us

Questions about this policy or your data? Email info@rapidrescore.com or reach out here.