Privacy Policy
Last updated: August 7, 2026
1. About This Policy
This Privacy Policy describes how NCES CONSULTING SERVICES (d/b/a CreditProSAI) (the "Company", "we", or "us") collects, uses, and protects personal information through the CreditProSAI Service (the "Service"). NCES CONSULTING SERVICES (d/b/a CreditProSAI) operates the CreditProSAI website and software platform. By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.
2. Information We Collect
We may collect the following types of personal information:
- Contact information: name, email address, phone number, and mailing address.
- Identity information: date of birth and Social Security number (when needed to perform credit-related services).
- Credit information: credit reports, scores, and account details provided by you or retrieved from linked credit monitoring services.
- Account information: login credentials, usage data, and communications with our support team.
3. SMS Communications
As part of the CreditProSAI Service, NCES CONSULTING SERVICES (d/b/a CreditProSAI) may send SMS (text) messages to users who provide their phone number and consent to receive communications. The following terms apply to SMS messaging:
- CreditProSAI may send SMS messages to users who provide their phone number and agree to receive communications.
- Messages will be solely related to the account, service updates, reminders, and customer support.
- Message frequency may vary based on account activity and service needs.
- Message and data rates may apply according to your mobile carrier plan.
- You can reply STOP to any message to unsubscribe and cancel future SMS messages, or reply HELP to receive help.
- Phone numbers and SMS consent are not sold or shared with third parties for marketing purposes.
4. How We Use Your Information
We use the information we collect to:
- Provide, maintain, and improve the CreditProSAI Service.
- Communicate with you about your account, service updates, reminders, and customer support.
- Process dispute letters and credit-related tasks you request.
- Notify you about changes to our Service and important account information.
- Detect, prevent, and address technical issues, fraud, or security concerns.
- Comply with applicable legal obligations.
5. Sharing of Information
We do not sell your personal information. We may share your information with service providers who assist us in operating the Service (such as credit monitoring partners, SMS delivery providers, and payment processors), under confidentiality and data protection agreements. We may also disclose information when required by law or to protect our legal rights.
6. Security of Data
The security of your data is important to us. We use commercially reasonable administrative, technical, and physical safeguards to protect your personal information. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
7. Data Retention
We retain your personal information for as long as your account is active or as necessary to provide the Service, comply with legal obligations, resolve disputes, and enforce our agreements. You may request deletion of your data subject to applicable law.
8. Your Privacy Rights
Depending on your location, you may have the right to:
- Access the personal information we hold about you.
- Request correction or deletion of your personal information.
- Opt out of certain communications, including SMS (reply STOP to unsubscribe).
- Withdraw consent for data processing where applicable.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this page periodically.
10. Contact Us
If you have any questions about this Privacy Policy, you can contact us:
(929) 376-9352
creditprosai@smartcres.com
Legal entity: NCES CONSULTING SERVICES (d/b/a CreditProSAI).