1. Information We Collect
When you use Cradexa, we collect information you provide directly:
- Name, email address, phone number, and mailing address
- Social Security Number (for credit report purposes only)
- Credit reports and related financial information
- Government-issued identification documents
- Payment information (processed securely via Stripe)
2. How We Use Your Information
We use your information to:
- Analyze your credit reports and identify disputable items
- Generate and send dispute letters to credit bureaus
- Track the progress of your disputes
- Process payments for our services
- Communicate with you about your account
- Comply with legal obligations
3. Data Security
We take the security of your personal information seriously. We implement industry-standard security measures including:
- Encryption of sensitive data at rest and in transit (SSL/TLS)
- Secure authentication with encrypted passwords
- Role-based access controls
- Regular security audits
Your Social Security Number and credit report data are encrypted using AES-256 encryption. Payment card data is never stored on our servers — it is processed directly by Stripe, a PCI-DSS compliant payment processor.
4. Information Sharing
We do not sell your personal information. We share information only:
- With credit bureaus (Equifax, Experian, TransUnion) to process disputes on your behalf
- With payment processors (Stripe) to process transactions
- As required by law or legal process
5. AI Processing
We use artificial intelligence to analyze credit reports and generate dispute letters. Your credit data is processed by our AI system to identify potential inaccuracies and FCRA/FDCPA violations. This processing is done securely and your data is not used to train AI models.
6. Data Retention
We retain your personal information for as long as your account is active or as needed to provide services. You may request deletion of your account and associated data at any time by contacting us.
7. Your Rights
You have the right to:
- Access your personal information
- Correct inaccurate information
- Request deletion of your data
- Cancel your account at any time
- Opt out of marketing communications
8. Contact Us
Cradexa LLC
Katy, TX
Email: support@cradexa.com