Privacy Policy

Privacy Policy
Last updated: July 11, 2026

1. Who We Are
Liberty Credit Services LLC ("we," "us," or "our") is a Pennsylvania-based credit repair consulting company located at 36 8th Ave, Collegeville, PA 19426. You can reach us at [email protected].

2. Information We Collect
When you submit our free credit assessment form or enroll in our services, we may collect:

  • Full name

  • Email address

  • Phone number

  • Credit report information (through your Credit Hero Score account)

  • Payment information (processed securely through our payment processor — we never store card numbers)

  • General information about your credit situation

3. How We Use Your Information
We use your information to:

  • Provide credit repair consulting services

  • Send you service updates, assessment results, and dispute status notifications via email and SMS

  • Process your monthly service payments

  • Comply with legal obligations under the Credit Repair Organizations Act (CROA) and the Pennsylvania Credit Services Act

4. SMS Communications
By submitting our assessment form and checking the SMS consent box, you agree to receive text messages from Liberty Credit Services LLC. Message frequency varies. Message and data rates may apply. Reply STOP at any time to opt out. Reply HELP for assistance.

5. We Do Not Sell Your Information
We do not sell, rent, trade, or share your personal information with third parties for their marketing purposes. Period.

6. Credit Report Information
Your credit report data is accessed through your personal Credit Hero Score account, which you control. We use this information solely to provide credit repair services on your behalf. We do not store your full credit report data beyond what is necessary to perform active dispute work.

7. Data Security
We store client information in encrypted, secure software platforms. We do not transmit sensitive personal data (such as your Social Security Number) via unprotected email or unencrypted systems.

8. Data Retention
We retain your information for as long as you are an active client and for a reasonable period thereafter as required by law or for legitimate business purposes.

9. Your Rights
You have the right to:

  • Request a copy of the personal information we hold about you

  • Request correction of inaccurate information

  • Request deletion of your information (subject to legal retention requirements)

  • Opt out of SMS communications at any time by replying STOP

To exercise any of these rights, email us at [email protected].

10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify active clients of material changes via email. Continued use of our services after changes constitutes acceptance of the updated policy.

11. Cookie Policy
Our website may use cookies and similar tracking technologies to improve your browsing experience and analyze site traffic. Cookies help us understand how visitors interact with our site. You can control cookie settings through your browser preferences. Continued use of our website constitutes acceptance of our cookie practices.

12. SMS Data Sharing
We do not share, sell, rent, trade, or otherwise disclose your phone number or SMS opt-in data with any third parties for their marketing purposes under any circumstances. Your phone number is used solely to send you service-related communications from Liberty Credit Services LLC that you explicitly opted in to receive.

13. Contact Us
Liberty Credit Services LLC
[email protected]
libertycreditservices.com