Privacy Policy

1. Introduction

AIM Credit Repair L.L.C. respects your privacy and is committed to safeguarding your personal and financial information.

This Privacy Policy explains how we collect, use, share, and protect your personal data in connection with our credit repair and financial education services.

By accessing our website, signing our service agreement, or using any of our services, you consent to the data practices described in this Privacy Policy.

2. Information We Collect

We collect information necessary to provide our services, including:

Personal Identifiers:

Name, address, date of birth, phone number, and email address.

Financial & Credit Data:

Credit reports and scores from major credit bureaus (Experian, Equifax, and TransUnion).

Credit account details, payment history, and supporting documents provided for dispute or analysis.

Payment Information:

Payment method, billing address, and transaction history (processed securely through third-party payment processors).

Technical Information:

IP address, browser type, and device data collected through cookies and analytics tools to improve website functionality.

3. How We Use Your Information

We use your personal and financial information to:

• Deliver and manage credit repair services and dispute correspondence.
• Access and review your credit reports with your authorization.
• Provide credit analysis, progress updates, and educational resources.
• Process payments, billing, and service renewals.
• Communicate regarding your account, disputes, or contract updates.
• Refer your case to attorneys for potential legal remedies (when applicable).
• Fulfill legal, regulatory, or contractual obligations under CROA and FCRA.

4. Information Sharing and Disclosure

We do not sell or rent your personal information.

However, we may share necessary data with the following entities, strictly for service delivery:

• Credit Bureaus and Creditors: To submit or verify disputes.
• Furnishers of Information: For accuracy verification and resolution of disputed accounts.
• Authorized Attorneys: When your file qualifies for a legal referral under the FCRA; no additional cost applies to you.
• Payment Processors and Service Vendors: Who assist in secure billing, CRM management, or data processing, under confidentiality agreements.
• Regulatory or Legal Authorities: If required by law, subpoena, or court order.

5. Client Consent and Authorizations

By signing your service agreement, you authorize ACR to:

• Obtain your credit reports through your credit watch service and during subsequent review periods.
• Prepare, sign, and submit dispute letters on your behalf as part of credit restoration efforts.
• Communicate with credit bureaus, creditors, or other furnishers of credit information.
• Share relevant data with referral partners (e.g., mortgage brokers or lenders) who introduced you to ACR, when applicable.

6. Data Retention and Security

We retain personal data only as long as necessary to fulfill contractual obligations, resolve disputes, or comply with legal requirements.

To protect your data, ACR employs:

• SSL encryption for data transmission,
• Secure document storage (digital and physical),
• Limited employee access to sensitive information, and
• Periodic audits to ensure compliance with FCRA and CROA data handling standards.

7. Cookies and Analytics

This site uses Google Analytics to understand how visitors use the site. Google Analytics uses cookies, and visitors can opt out using Google's browser add-on at https://tools.google.com/dlpage/gaoptout.

Our website may use cookies, session data, and third-party analytics tools to:

• Track website traffic and engagement,
• Improve service delivery and user experience, and
• Ensure website security.

You can control or disable cookies through your browser settings, though doing so may limit website functionality.

8. Your Rights

Depending on your jurisdiction, you may have the right to:

• Request access to your personal information,
• Request corrections or deletions of inaccurate information,
• Withdraw consent or opt out of non-essential communications, and
• Receive a copy of this Privacy Policy at any time.

To exercise your rights, contact us at the address listed below.

9. Third-Party Websites and Links

Our website may contain links to third-party sites or resources. AIM Credit Repair L.L.C. is not responsible for the privacy policies, practices, or content of external websites.

We encourage you to review the privacy statements of any linked sites before providing personal data.

10. Data from Clients Outside Minnesota

Although ACR operates under the laws of the State of Minnesota, clients from other states are equally protected under federal consumer protection laws, including CROA and FCRA.

11. Updates to This Policy

We may revise this Privacy Policy from time to time to reflect operational, legal, or regulatory changes. Updates will be indicated by a revised Effective Date at the top of this page.

We encourage you to review this page periodically to stay informed about how we protect your information.

12. Contact Information

AIM Credit Repair L.L.C.
6022 145th St N, Hugo, MN 55038
Email: carlos.hawkins@aimcreditfix.com

13. References

This Privacy Policy has been prepared with reference to:

• The Credit Repair Organizations Act (15 U.S.C. §1679)
• The Fair Credit Reporting Act (15 U.S.C. §1681)
• FTC Consumer Protection Guidelines
• Minnesota State Data Privacy and Business Compliance Standards