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 site, we may automatically collect:

IP address and general location (country and state level, used for cookie consent region detection)
Browser type, device type, and operating system
Pages visited, time spent on pages, and referring URLs
A randomly generated visitor ID stored in a cookie (does not identify you personally)

Cookies and Tracking Technologies

We use cookies for three purposes:

Essential cookies: Required for the site to function. This includes our consent management cookie (cfs_consent) and region detection cookie (cfs_region). These cannot be disabled.
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 (hosting): Our hosting provider processes server logs. Vercel's Privacy Policy
ConvertKit or Beehiiv (email, if subscribed): Processes your email address for newsletter delivery. You can unsubscribe at any time through the link in every email.

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

Our site detects California visitors and displays a "Do Not Sell or Share My Personal Information" link in the cookie banner, as required by the CCPA.

We also honor the Global Privacy Control (GPC) browser signal. If your browser sends a GPC signal, we automatically disable marketing cookies.

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

Cookie consent preferences: Stored for 365 days, then re-prompted
Newsletter subscriptions: Retained until you unsubscribe
Contact form submissions: Retained for up to 2 years, then deleted
Analytics data: Google Analytics retains data per their retention settings (default 14 months)
Server logs: Retained by Vercel per their data retention policy

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 not intended for children under 13. We do not knowingly collect information from children under 13. If you believe a child has provided us with personal information, contact us and we will delete it.

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