Privacy Policy

1. About This Policy

Vanguard Credit Solutions ("we," "us," or "our") is committed to protecting your personal information. This Privacy Policy explains what information we collect, how we use it, and your rights as a consumer. This policy applies to our website at vanguardcredit.solutions and all associated services.

By using our website or services, you agree to the practices described in this policy. If you do not agree, please do not use our website or services.

2. Information We Collect

We may collect the following categories of personal information:

Name, address, phone number, and email address
Social Security Number (required to access and dispute your credit reports)
Date of birth and government-issued ID for identity verification
Credit report data from Equifax, Experian, and TransUnion
Payment information processed through secure third-party processors
Communications you send to us by phone, email, or web form
Website usage data including IP address, browser type, and pages visited

3. How We Use Your Information

We use the information we collect to:

Provide credit dispute and audit services on your behalf
Communicate with credit bureaus, furnishers, and the CFPB
Verify your identity and protect against fraud
Process payments for services rendered
Send you service updates, dispute progress reports, and relevant communications
Comply with applicable federal and state laws including the FCRA and CROA
Improve our website and service delivery

4. SMS and Text Message Communications

If you provide your mobile phone number and consent to receive text messages, Vanguard Credit Solutions may send you service updates, appointment reminders, and dispute status notifications via SMS.

Message frequency varies. Message and data rates may apply. You may opt out at any time by replying STOP to any text message. For help, reply HELP or contact us directly at (562) 462-2177.

We do not sell or share your mobile phone number with third-party marketers. Your consent to receive SMS messages is not a condition of purchasing our services.

5. How We Share Your Information

We do not sell your personal information. We may share your information only in the following circumstances:

With credit bureaus (Equifax, Experian, TransUnion) to file disputes on your behalf
With creditors or data furnishers as required to dispute item accuracy
With the Consumer Financial Protection Bureau (CFPB) when filing complaints
With payment processors to complete transactions securely
With service providers who assist our operations under confidentiality agreements
When required by law, court order, or government authority
With your explicit written consent

6. Data Security

We implement industry-standard security measures to protect your personal information, including encrypted data transmission, secure file storage, and access controls limiting who can view your data.

However, no method of transmission over the internet or electronic storage is 100 percent secure. We cannot guarantee absolute security, but we take reasonable steps to protect your information.

7. Your Rights Under California Law

As a California resident, you have rights under the California Consumer Privacy Act (CCPA) and other applicable state laws, including:

The right to know what personal information we collect and how we use it
The right to request deletion of your personal information
The right to opt out of the sale of your personal information (we do not sell data)
The right to non-discrimination for exercising your privacy rights
The right to correct inaccurate personal information we hold about you

To exercise any of these rights, contact us using the information below. We will respond to verified requests within 45 days.

8. Retention of Information

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Client files are typically retained for a minimum of 5 years following the conclusion of services, in accordance with CROA and applicable state recordkeeping requirements.

9. Third-Party Links and Services

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of our services after changes are posted constitutes your acceptance of the updated policy.