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Privacy Policy

Last Updated: 2026

Welcome to the Williams Rush & Associates credit-repair program (referred to below as "we," "us," or "our"). This site is a specialized credit repair platform exclusively serving the clients of Williams Rush & Associates. Your privacy is paramount. Because we serve our clients' financial wellbeing, we maintain the highest standards of data integrity and protection. This Privacy Policy outlines how we collect, protect, use, and strictly restrict the sharing of your personal and financial data in full compliance with:

  • The federal Credit Repair Organizations Act (CROA)
  • The federal Gramm-Leach-Bliley Act (GLBA) Financial Privacy Rule
  • The federal Fair Credit Reporting Act (FCRA)
  • Applicable state consumer-protection and credit-services laws

1. Our Absolute Guarantee: Your Data is Never Sold

We enforce a strict, zero-compromise policy regarding your personal information. We will NEVER sell, rent, trade, or lease your personal, financial, or contact information to any third party for any purpose whatsoever. Your data is strictly utilized to deliver and manage your customized credit repair services.

2. Information We Collect

To assess your credit history and challenge inaccuracies with the credit bureaus, we collect "Nonpublic Personal Information" (NPI) and financial data, including:

  • Contact Information: Full name, phone number, email address, and physical mailing address.
  • Identity Verification Data: Date of birth, Social Security Number (SSN), and a copy of your government-issued ID or utility bills (required by credit bureaus to process disputes).
  • Credit Profile Information: Credit reports, account trade lines, payment histories, credit scores, and dispute results obtained from Equifax, Experian, and TransUnion.
  • Payment Information: Billing details processed securely through our PCI-compliant payment gateway.

3. How We Use Your Information

We use your data strictly for legitimate operational purposes to fulfill our contract with you:

  • Retrieving and auditing your credit reports from the three major bureaus.
  • Drafting and submitting dispute letters tailored to your specific credit needs.
  • Populating your secure, 24/7 real-time tracking portal so you can monitor deletions and score changes.
  • Processing your enrollment and monthly subscription fees.

4. Who We Share Data With (Strictly Limited)

We only share information with third parties when it is legally mandated or essential to perform the services you explicitly hired us to do:

  • The Three Major Credit Bureaus: Equifax, Experian, and TransUnion, solely to execute disputes on your behalf.
  • Creditors/Furnishers: Individual banks, collection agencies, or lenders, strictly when disputing a specific line item on your report.
  • Legal and Regulatory Compliance: We may disclose information if required to do so by law, court order, or formal regulatory audit.

5. Data Security and Real-Time Tracking

We implement strong administrative, technical, and physical safeguards designed to protect your sensitive financial data as required by the GLBA Safeguards Rule. All data transmitted through our online platform is heavily encrypted. Your password-protected client portal provides secure, 24/7 monitoring capabilities so you can view bureau responses transparently in real time.

6. Your Privacy Rights

Depending on your state of residence, you may have specific rights over your personal data, including the right to:

  • Confirm and Access: Verify whether we are processing your personal data and access the exact contents of that data.
  • Correct Inaccuracies: Request modifications to any inaccurate personal information we have on file.
  • Request Deletion: Request the erasure of your personal data, subject to federal record-retention laws governing financial service entities.

To exercise any of these privacy rights, please submit a formal request through our secure portal or contact us using the details below.

7. Changes to This Privacy Policy

We reserve the right to update this policy to reflect shifts in state or federal credit laws. Any updates will be published immediately on this page with an updated "Last Updated" timestamp.

8. Contact Us

If you have any questions regarding this Privacy Policy, your data rights, or our compliance standards, please reach out to us:

  • Email: [your support email]
  • Phone: [your phone number]
  • Mailing Address: [your mailing address]