Privacy policy

Last updated: November 9, 2026.

The short version

This site is designed so that it does not collect your personal information. There are no accounts, no sign-ups, no forms that submit to a server, and no field anywhere on this site that asks for a Social Security number, a bank account, or a credit card.

How the tools handle your information

1. The letter generators build your letter in your browser from what you type. The text is never transmitted to us.
2. The dispute tracker stores the entries you create in your browser’s local storage, on your device only. We cannot see them, and they are deleted when you use the delete button on the tracker page or clear your browser data.
3. The triage wizard and the paydown calculator compute in your browser and store nothing.

Server logs and cookies

Like most websites, the hosting provider keeps standard server logs (such as pages requested and approximate timestamps) for security and reliability. This site sets no tracking cookies and runs no analytics at launch. If advertising or analytics are added later, this policy will be updated first, and any advertising will use a fresh publisher identity created for this site only.

Links to other sites

This site links to official resources such as AnnualCreditReport.com, IdentityTheft.gov, and consumerfinance.gov. Those sites have their own privacy policies, which govern your visit once you leave this one.

Changes

If this policy changes, the updated version will be posted on this page with a new date before the change takes effect.