Last Updated: March 31, 2026

This Privacy Notice for California Consumers (“Notice”) is provided by Credit Repair Dudes LLC (“Company,” “we,” “us,” or “our”) and supplements our Privacy Policy.

This Notice applies solely to individuals who are California residents as defined under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).

We adopt this Notice to comply with applicable California law. Any terms defined in the CCPA/CPRA have the same meaning when used in this Notice.

1. Collection and Use of Personal Information

As a financial services provider, we may collect personal information that identifies, relates to, describes, or could reasonably be linked to a particular consumer, household, or device.

Because we operate as a financial institution under the Gramm-Leach-Bliley Act (GLBA), much of the personal information we collect is governed by GLBA and may be exempt from certain provisions of the CCPA/CPRA.

However, for transparency, we disclose the categories of personal information we may collect:

Categories of Personal Information Collected

Category

Examples

Collected

A. Identifiers

Name, address, email, phone number, SSN, IP address

YES

B. Customer Records

Signature, financial info, employment info

YES

C. Protected Classifications

Age, gender, marital status

YES

D. Commercial Information

Services purchased or considered

YES

E. Biometric Information

Fingerprints, facial recognition

NO

F. Internet Activity

Website usage, cookies, IP address

YES

G. Geolocation Data

Approximate location from IP

YES

H. Sensory Data

Call recordings (if applicable)

NO

I. Employment Info

Job history, references

NO

J. Education Info

Educational records

NO

K. Inferences

Preferences, behavior trends

YES

Sources of Information

We collect personal information:

  • Directly from you (forms, consultations, onboarding)
  • From credit bureaus (with your authorization)
  • From service providers and partners
  • Automatically via cookies and analytics tools

2. Use of Personal Information

We use personal information to:

  • Provide credit-related services and support
  • Verify identity and process transactions
  • Maintain and manage client accounts
  • Respond to inquiries and provide customer support
  • Send communications and marketing (with consent)
  • Detect fraud and ensure security
  • Comply with legal and regulatory obligations
  • Improve services and website functionality

We do not use your information for purposes materially different from those disclosed without providing notice.

3. Sharing of Personal Information

We may disclose personal information to:

  • Service providers (billing, IT, customer support)
  • Credit bureaus and financial entities (with authorization)
  • Marketing and analytics providers
  • Legal or regulatory authorities when required

We do not sell personal information for monetary gain.

However, certain limited data sharing (such as cookies or analytics tools) may be considered “sharing” under CPRA definitions.

4. Your Privacy Rights Under California Law

If you are a California resident, you have the following rights:

A. Right to Know

Request disclosure of:

  • Categories of personal information collected
  • Sources of information
  • Purpose of collection
  • Third parties we share with

B. Right to Delete

Request deletion of personal data, subject to legal exceptions.

C. Right to Correct

Request correction of inaccurate information.

D. Right to Opt-Out of Sale or Sharing

You may opt out of data “sharing” as defined by CPRA.

📧 Email: info@creditrepairdudes.com

Subject: Do Not Sell or Share My Personal Information

E. Right to Limit Use of Sensitive Information

Limit use of sensitive personal data to what is necessary for service delivery.

F. Right to Non-Discrimination

We will not:

  • Deny services
  • Charge different prices
  • Provide lower-quality services

Because you exercised your rights.

5. Exercising Your Rights

To submit a request:

📧 Email: info@creditrepairdudes.com

📞 Phone: (714) 927-5493

🌐 Website: www.creditrepairdudes.com

Only you or an authorized representative may submit requests.

We respond within 45 days (up to 90 days if needed).

6. Do Not Track (DNT) Disclosure

We do not currently respond to “Do Not Track” signals, as industry standards are not yet consistent.

7. Shine the Light Law

Under California Civil Code §1798.83, you may request information about data shared for direct marketing purposes.

To request:

📧 Email: info@creditrepairdudes.com

8. Changes to This Notice

We may update this Notice at any time.

Updates will be posted with a revised “Last Updated” date.

Continued use of our services constitutes acceptance of updates.

9. Contact Information

Credit Repair Dudes LLC

65 White Star Drive

Palm Coast, FL, USA

📧 Email: info@creditrepairdudes.com

📞 Phone: (714) 927-5493

© 2026 Credit Repair Dudes LLC. All Rights Reserved.