Privacy Policy

Privacy Policy

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Credit Solutions, LLC‘s (“Credit Solutions”) utmost concern is protecting our consumers private information. Steps have been taken to protect our “consumer relationship” as well as the privacy of shared or collected sensitive data.

Credit Solutions’ website is located at www.cs-llc.com (its “website”) is not intended for individuals less than the age of eighteen and Credit Solutions does not knowingly collect data relating to individuals less than the age of eighteen.

Nothing in this Privacy Notice is intended to contradict your rights under the Fair Debt Collection Practices Act.  Credit Solutions will not disclose any information to third parties that is otherwise prohibited by the FDCPA.

Data Controller

Questions, comments, and complaints about Credit Solutions data practices may be submitted to:

Credit Solutions, LLC
2277 Thunderstick Drive, Suite 400
Lexington, KY 40505

Toll-free Telephone Number: 877-265-1485

Information We Collect

We may have collected the following categories of personal information from consumers within the last 12 months:

How We Use Your Information

Personal information is collected solely for the purpose of debt recovery in a lawful manner and remains part of our records until we determine the information is no longer needed, or we are required by law to delete such information.  We will collect the minimum amount of data necessary to collect a debt.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.  We do not sell and will not sell your personal information.

How We Collect Your Information

We collect most of this personal information directly from our clients for whom we provide services to, as well as from you by telephone, written correspondence through the mail, email or fax, by viewing public social media/network pages, or other information available online. However, we may also collect information:

• From publicly accessible sources (e.g., property records or court records);
• From your transactions with us;
• From our service providers (e.g., letter vendor, location vendors, payment processing vendors, call analytics vendor, and/or electronic signature service provider);
• Directly from a third party (e.g., third parties contacted during location activities pursuant to 15 U.S.C. §1692b, such as your friends, neighbors, relatives, and/or employer);
• Consumer reporting agencies (CRAs)
• From a third party with your consent (e.g., your authorized representative and/or attorney); and
• From activity on our website.

How We Share Your Information

Credit Solutions may share personally identifiable information it collects with its employees who need to know that information to service your account. Except as provided below, Credit Solutions does not share or disclose any personally identifiable information to any company or marketing group external to Credit Solutions. Credit Solutions may share your personal information with third parties to the extent it is reasonably necessary to manage or service your account, verify employment, determine location, process payment, fulfill a transaction, provide customer service, or as otherwise authorized by law.

Further, Credit Solutions may disclose personally identifiable information (i) to another entity with which Credit Solutions enters or reasonably may enter into a corporate transaction, such as, for example, a merger, consolidation, acquisition, or asset purchase, (ii) to a third party pursuant to a subpoena, court order, or other form of legal process or in response to a request by or on behalf of any local, state, federal, or other government agency, department, or body, whether or not pursuant to a subpoena, court order, or other form of legal process, or in connection with litigation brought against, or on behalf of, Credit Solutions, where appropriate, (iii) to a third party if determined by Credit Solutions in its sole judgment that such disclosure is appropriate to protect the life, health, or property of Credit Solutions or any other person or entity, all in compliance with applicable law, (iv) to third parties as authorized or designated by you, or (v) to conduct any other legitimate business activity not otherwise prohibited by law. The foregoing is not intended to obviate or displace any legal obligations or duties applicable to Credit Solutions.

Except as necessary for Credit Solutions to provide the services, information, or products requested by a website user, or except for the disclosures identified in the preceding paragraphs, the user may opt out of having his or her personally identifiable information, which has been voluntarily provided to Credit Solutions through or from its website, prospectively retained by Credit Solutions, used by Credit Solutions for secondary purposes, or disclosed by Credit Solutions to third parties.

E-mail posted or sent to Credit Solutions may not be secure against interception by unauthorized individuals. To protect against interception by unauthorized individuals, or because we can not verify your identity, we may be unable to respond to e-mail requests concerning accounts placed for collection unless you have requested or authorized us to do so.

Sharing your information with Consumer Reporting Agencies

Consumer Reporting Agencies (CRAs) collect and maintain information on consumer and business credit profiles on behalf of organizations in the United States. We may share information about you with CRAs and may carry out periodic searches with them to verify your identity or manage your account.

Details of your account(s) with us may be sent to CRAs and recorded by them. This information may be supplied by CRAs and may be used and searched by us and other organizations, such as debt collection agencies, in order to:

• consider applications for credit and credit related services;
• locate debtors and recover debts; and
• manage your accounts.

Credit Solutions may furnish account information to Experian, Equifax, and Trans Union. You have a right to obtain an annual copy of your credit file from CRAs by visiting https://www.annualcreditreport.com.

Your Choices

Credit Solutions offers you certain choices in connection with the personal data it collects from you, including:

Your Credit Solutions Account: You may update and correct your contact information, including your telephone number and email address, by using the “chat” feature on the website, or by calling our office.

Your Choice to Decline Cookies: Credit Solutions website may utilize a “cookie” to recognize previous visitors and/or save login information. This information is stored on the user’s computer and only includes information previously entered by the user. This can include usernames, passwords, etc. You do not have to allow Credit Solutions’ website to do this in order to visit or use the website.  You may adjust your browser settings to decline cookies if you do not want to accept Credit Solutions’ cookies.

Your Payments: You can elect not to utilize the payment portal of Credit Solutions’ website and not to make payments via credit card or check.

If you have any questions regarding any of these choices, please contact Credit Solutions.

Credit Solutions, LLC
2277 Thunderstick Drive, Suite 400
Lexington, KY 40505

Toll-free Telephone Number: 877-265-1485

How Long We Keep Your Information

Credit Solutions will retain your personal data until we determine the information is no longer needed, or as otherwise required by law.

How We Protect Information

Credit Solutions has implemented physical, electronic, and procedural security safeguards to protect against the unauthorized release of or access to personal information.  We employ internal and external system safeguards designed to protect confidentiality and security of personal information.

The confidentiality of any communication or material transmitted to or from Credit Solutions via the website or via e-mail cannot be, and is not, guaranteed.  You acknowledge that the technical processing and transmission of the website’s content may be transferred unencrypted and involve: (a) transmissions over various networks; and (b) changes to confirm and adapt to technical requirements of connecting networks or devices.

Any information exchanged by you will not be stored on Credit Solutions’ website. We utilize third party servers to encrypt information that will be stored. We do not store debit or credit card and/or checking account and routing number information for any payments processed through our website.

If any questions arise about security, please contact Credit Solutions using the information provided above.

Links to Other Websites

Our website may contain links to enable you to visit other websites of interest easily. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide while visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Privacy Notice Changes

Credit Solutions may change this Privacy Notice at any time. Notice of any new or revised Privacy Notice, as well as the location of the new or revised statement, will be posted on the website after the change. It is the obligation of users visiting the website before the change to learn of changes to the Privacy Notice since their last visit.

Last Updated: 9/11/2020