Privacy Policy
Last updated: February 23, 2026. This Privacy Policy explains how CreditLink collects, uses, shares, and protects personal information when you use our website, applications, and consumer reporting services.
Information We Collect
- Identity and account data (name, email, phone, address, date of birth).
- Verification data (identity checks, consent records, attestation records).
- Financial data needed for permissioned reporting (linked account and payment data).
- Device and usage data (IP address, browser data, security and fraud signals).
- Support and communications data.
How We Use Information
- Provide and maintain services you request.
- Verify identity, data source legitimacy, and payment obligation accuracy.
- Furnish eligible payment information to consumer reporting agencies after consent.
- Prevent fraud, secure accounts, and comply with legal/regulatory requirements.
- Respond to support requests and dispute investigations.
How We Share Information
We may share information with:
- Consumer reporting agencies and data furnishing partners.
- Identity verification and financial connectivity providers.
- Service providers that process payments, communications, and security functions.
- Authorities when required by law, legal process, or safety requirements.
Consent, Revocation, and Control
We require explicit consent before furnishing data. You can revoke consent in account settings. Revocation stops future furnishing and triggers closure workflows for active tradelines.
Retention
Compliance evidence, consents, attestations, and verification documentation may be retained for up to 5 years or longer if required by law, dispute handling, or lawful business records obligations.
Security
We use technical, administrative, and organizational safeguards designed to protect data, including encryption, access controls, and audit logging.
Your Rights
Depending on your jurisdiction, you may request access, correction, deletion, or export of personal information, subject to legal exceptions.
Children
CreditLink services are not intended for individuals under 18 years old.
Contact
Legal Entity: JayReach, LLC (CreditLink)
Mailing Address: 299 River St, Waltham, MA 02453
Privacy Requests: support@creditlink.com
Support: support@creditlink.com
Disputes: support@creditlink.com