Privacy Policy
Credit Fix JOE™ Privacy Policy
Effective Date: April 21, 2026
1. Introduction
Credit Fix JOE™ (“we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, protect, and disclose your information when you visit our website, submit a form, schedule an appointment, communicate with us, enroll in services, or otherwise interact with Credit Fix JOE™.
By using our website, submitting your information, or engaging with our services, you consent to the practices described in this Privacy Policy.
2. Information We Collect
a. Information You Provide Voluntarily
We may collect personal information that you voluntarily provide, including but not limited to:
• First and last name
• Email address
• Phone number
• Mailing address
• Date of birth
• Social Security number, when necessary for service delivery
• Credit-related, financial, or account information relevant to your inquiry or services
• Government-issued identification and supporting documents
• Payment or billing information
• Messages, emails, SMS/text messages, and other communications you send to us
This information may be collected through:
• Website forms
• Contact forms
• Advertising lead forms
• Appointment scheduling or booking tools
• Enrollment forms and service agreements
• Phone calls, emails, or SMS/text communications
• Documents uploaded or submitted to us
b. Information Collected Automatically
When you visit our website, we may automatically collect limited technical information such as:
• IP address
• Browser type
• Device type
• Operating system
• Pages visited
• Referral source
• Time spent on the website
• General website interaction and performance data
This information is used to improve website performance, usability, analytics, and security.
c. Cookies and Similar Technologies
Our website may use cookies, pixels, and similar technologies to improve user experience, understand website traffic, measure advertising performance, and support remarketing or analytics. You may disable cookies in your browser settings, although some website features may not function properly.
d. SMS Consent Information
If you opt in to SMS/text communication, your phone number and SMS consent information will be used only for the purposes for which consent was provided.
SMS opt-in consent and phone numbers collected for SMS communication will not be sold or shared with third parties or affiliates for their own marketing purposes.
3. How We Use Your Information
We use your information only for legitimate business and service-related purposes, including:
a. Service Delivery
• Responding to inquiries
• Providing credit education, consultation, strategy, and administrative services
• Reviewing and organizing documentation
• Preparing and coordinating dispute-related activity
• Communicating regarding your account, services, billing, or requested support
b. Communication
With your consent or as otherwise permitted by law, we may contact you through:
• SMS/text messages
• Phone calls
• Emails
These communications may include:
• Appointment reminders
• Service updates
• Billing reminders
• Account notices
• Document requests
• Administrative or operational messages
• Educational content related to your services
c. Marketing Communications
With your consent, we may send promotional or educational communications. You may opt out of marketing communications at any time by following unsubscribe instructions, replying STOP to text messages, or contacting us directly.
d. Payment Processing and Account Administration
We may use your information to:
• Process enrollment and recurring billing
• Manage billing issues or payment failures
• Maintain service records
• Administer your account and client portal access
e. Legal, Compliance, and Recordkeeping Purposes
We may use or retain information as necessary to:
• Comply with federal, state, and local laws
• Maintain records related to consumer protection and compliance obligations
• Enforce agreements
• Protect our legal rights, property, systems, clients, and business operations
4. How We Protect Your Information
We take reasonable and appropriate administrative, technical, and organizational measures to protect your personal information, including:
• Secure systems and access controls
• Restricted access to sensitive information
• Secure document handling practices
• Ongoing review of operational safeguards
While no method of storage or transmission is completely secure, we make reasonable efforts to protect your information from unauthorized access, misuse, disclosure, alteration, or destruction.
5. How We Share Information
We do not sell your personal information.
We may share your information only in the limited circumstances described below:
a. Service Providers and Operational Partners
We may share necessary information with trusted third-party providers who assist us in delivering services or operating our business, such as:
• Credit monitoring or software platforms
• Payment processors
• Mailing or administrative support providers
• Outsourcing or processing teams assisting with service workflow
• Scheduling, form, or communication tools
These providers are permitted to use information only as needed to provide services to us or on our behalf and are expected to handle information appropriately.
b. Credit-Related Service Delivery
Where necessary to provide services you requested, we may use or disclose information in connection with communications involving:
• Credit bureaus
• Creditors
• Furnishers
• Collection agencies
• Other entities relevant to authorized service activity
c. Financing Providers
If you elect to use financing, including Denefits or any other third-party financing option we may offer, your information may be shared with that provider and will be subject to that provider’s own privacy practices and terms.
d. Legal Requirements
We may disclose information when required to do so by law, subpoena, court order, regulatory request, or other valid legal process.
e. Protection of Rights and Safety
We may disclose information where reasonably necessary to protect our legal rights, enforce agreements, investigate misuse, prevent fraud, or protect the safety of clients, users, or others.
f. Business Transfers
In the event of a merger, acquisition, restructuring, sale of assets, or other business transition, information may be transferred as part of that transaction, subject to appropriate confidentiality and legal protections.
6. Credit Monitoring and Third-Party Platforms
Certain services may require the use of third-party platforms, such as credit monitoring services or client-management systems. Information submitted through those services may also be processed according to their terms and privacy practices.
Credit Fix JOE™ is not responsible for the independent privacy or security practices of third-party services that you use directly.
7. Communications, SMS, and TCPA Compliance
We may send SMS/text messages and phone communications only as permitted by law and based on consent where required.
Communications may come from numbers associated with Credit Fix JOE™, including:
• 509-303-4433
• 509-342-5060
You may opt out of SMS/text communications at any time by replying STOP or contacting us directly.
Message and data rates may apply.
Opting out of promotional or reminder text messages does not necessarily prevent us from sending lawful non-marketing communications related to active services, billing, account administration, or legally required notices, to the extent permitted by law.
8. Your Rights and Choices
Subject to applicable law, you may have the right to:
• Request access to personal information we hold about you
• Request correction of inaccurate information
• Request deletion of certain information where legally permitted
• Withdraw consent for certain communications
• Opt out of marketing emails or SMS messages
To exercise these rights, contact us using the information listed below.
9. Data Retention
We retain personal information only as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, provide requested services, maintain business and compliance records, resolve disputes, enforce agreements, or comply with legal obligations.
When information is no longer needed, we may securely delete, destroy, or anonymize it, as appropriate.
10. Children’s Privacy
Our website and services are intended for adults and are not directed to children under the age of 18. We do not knowingly collect personal information from children under 18.
11. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for the privacy, security, content, or practices of third-party sites. You should review their policies separately.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any updates will be posted on this page with a revised Effective Date. Your continued use of our website or services after changes are posted constitutes acceptance of the updated Privacy Policy.
13. Contact Information
If you have questions about this Privacy Policy or your personal information, you may contact us at:
Credit Fix JOE™
9329 E Montgomery Ave
Spokane Valley, WA 99206
Phone: 509-342-5060
Email: info@creditfixjoe.com
Website: www.creditfixjoe.com