Privacy Policy

What This Policy Covers

This privacy policy explains what personal information CreditFicoScores.com ("we," "us," or "our") collects when you visit our website, how we use that information, and what choices you have. We are based in the United States and this site is intended for US visitors.

Information We Collect

Information You Provide

When you use our contact form, sign up for our newsletter, or interact with our tools, you may provide:

• Your name and email address (contact form, newsletter signup)
• Messages or questions you submit through our contact form
• Responses to quizzes or tools on the site

We do not collect Social Security numbers, credit card numbers, bank account details, or any financial account credentials. We do not access your credit report.

Information Collected Automatically

When you visit, our server uses your IP address to determine a country and consent region and then sets short-lived cfs_country and cfs_region cookies. Vercel also processes request information in hosting logs.

If you allow analytics, we may collect browser and device details, pages visited, referring URLs, and randomly generated cfs_vid and cfs_sid identifiers. Those optional identifiers are not created before analytics consent.

Cookies and Tracking Technologies

We use cookies for three purposes:

• Essential cookies: Required to remember consent and select the right consent experience. These include cfs_consent, cfs_region, and cfs_country.
• Analytics cookies: If you consent, we use Google Analytics 4 to understand how visitors use our site. GA4 collects anonymized usage data such as pages visited and time on site. You can opt out at any time through our cookie preferences panel.
• Marketing cookies: If you consent, we may use cookies related to affiliate link tracking and advertising measurement. These help us understand which recommendations are useful to readers.

You can manage your cookie preferences at any time by clicking "Manage Preferences" in the cookie banner or footer.

How We Use Your Information

We use the information we collect to:

• Respond to your questions or messages submitted through our contact form
• Send you our newsletter if you subscribed (you can unsubscribe at any time)
• Understand how visitors use our site so we can improve the content and experience
• Detect and prevent spam or abuse
• Comply with legal obligations

We do not sell your personal information to third parties. We do not share your email address with advertisers.

Third-Party Services

We use the following third-party services that may process your data:

• Google Analytics 4 (analytics, consent-gated): Collects anonymized site usage data. Google's Privacy Policy
• Vercel (website hosting): Processes web requests and hosting logs. Vercel's Privacy Policy
• Upstash (temporary operational storage): Processes short-lived anti-abuse controls, administrator sessions, and duplicate-event prevention records. Upstash's Privacy Policy
• Railway (application data hosting): Stores subscriber records, consent history, suppression records, affiliate configuration, and analytics settings. Railway's Privacy Policy
• Resend (email delivery): Processes contact-form messages and requested guide emails. Resend's Privacy Policy
• Plausible Analytics (analytics, only if configured and consented): May process page-view data. Plausible's Data Policy

Affiliate links on our site may direct you to third-party websites (credit card issuers, credit monitoring services, etc.). Once you leave our site, their privacy policies apply, not ours.

Your Rights Under US Law

California Residents (CCPA/CPRA)

If you are a California resident, you have the right to:

• Know what personal information we collect about you
• Delete your personal information
• Opt out of the sale or sharing of your personal information (we do not sell your data, but you can opt out of marketing cookies)
• Non-discrimination for exercising your privacy rights

We honor the Global Privacy Control (GPC) browser signal by keeping marketing cookies disabled.

All US Visitors

Regardless of your state, you can:

• Opt out of analytics and marketing cookies through our cookie preference panel
• Unsubscribe from our newsletter at any time
• Request deletion of any information you submitted through our contact form by emailing us at privacy@creditficoscores.com

Data Retention

• Consent preferences: Stored for up to 365 days. Country and consent-region cookies expire after 24 hours.
• Optional attribution identifiers: A visitor identifier expires after one year and a session identifier after 30 minutes; both require analytics consent and are deleted when analytics is rejected.
• Subscriber records: Active records remain while you are subscribed. After unsubscribe, we retain the email address in a suppression record so we do not send marketing email again. You may request deletion, although we may retain the minimum suppression record needed to honor your opt-out.
• Contact messages: Sent through Resend to our contact mailbox and not copied into our application database. Retention follows the configured Resend account and receiving-mailbox settings; we do not currently impose a separate automated application retention period.
• Analytics and server logs: Retention follows the configured analytics and Vercel account settings.

Data Security

We use HTTPS encryption on all pages. We do not store sensitive financial information. Access to any data we collect is limited to authorized personnel only.

Children's Privacy

CreditFicoScores.com is intended for adults age 18 and older. Do not submit a contact or subscription form if you are under 18. If you believe a minor provided personal information, contact us and we will delete it, subject to any minimum suppression record needed to honor an opt-out.

Changes to This Policy

We may update this privacy policy from time to time. The effective date at the top of this page reflects the most recent revision. We encourage you to review this page periodically.

Contact Us

If you have questions about this privacy policy or want to exercise your privacy rights:

• Email: privacy@creditficoscores.com
• Contact form: creditficoscores.com/contact