Keys Credit
Legal
Privacy Policy
| Overview
Keys Tactical LLC, doing business as Keys Credit ("Company," "we," "us," or "our"), is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at www.KeysTactical.com, use our credit repair services, or interact with us in any way.
Please read this policy carefully. If you disagree with its terms, please discontinue use of our Site and services. By using our Site or enrolling in our services, you consent to the data practices described in this Privacy Policy.
A note about our business: Keys Credit is a credit repair organization as defined under the Credit Repair Organizations Act (CROA). As part of our service, we access, review, and dispute items on your credit reports with the three major credit bureaus — Equifax, Experian, and TransUnion. This requires us to handle sensitive personal and financial data. We treat this responsibility seriously and operate under strict data handling standards.
| Information We Collect
We collect information you provide directly to us, information generated through your use of our services, and in some cases, information from third parties. The types of information we collect include:
Personal Identification Information
Full legal name
Date of birth
Social Security Number (required for credit bureau access and dispute filing)
Current and previous addresses
Phone number and email address
Government-issued ID information (when required for identity verification)
Financial Information
Credit scores from all three bureaus
Full credit report contents including account history, negative items, and inquiry records
Payment plan details and billing information
Debt amounts, creditor names, and account statuses as reported to the credit bureaus
Contact and Communication Information
Correspondence submitted through our contact form or email
Notes from phone consultations or walkthrough calls
Messages sent through our client portal at SecureClientAccess.com
Technical and Usage Information
IP address and browser type
Pages visited and time spent on the Site
Referring website or source
Device type and operating system
Cookie data (see Cookies section below)
| How We Collect Your Information
We collect information through the following means:
Purpose
Description
Service Delivery
To audit your credit reports, prepare and send dispute letters, negotiate with creditors, and execute your credit repair program.
Onboarding
To verify your identity, process your service agreement, and open your client file.
Communication
To send monthly progress updates, respond to your questions, and provide status reports on your disputes.
Billing
To process payments for your selected plan and maintain payment records.
Legal Compliance
To comply with the FCRA, CROA, FTC Telemarketing Sales Rule, and other applicable laws and regulations.
Site Improvement
To understand how visitors use our website and improve the user experience.
Security
To detect, prevent, and respond to fraud, unauthorized access, and other potential threats.
We do not use your credit data for marketing purposes. Your credit report information, Social Security Number, and financial details are used exclusively to deliver the credit repair services you engaged us to perform. They are never used to target you with advertisements or sold to data brokers.
| Sharing Your Information
We do not sell, rent, or trade your personal information to third parties for any purpose. We may share your information only in the following limited circumstances:
With the Credit Bureaus
We share your information with Equifax, Experian, and TransUnion as part of the dispute process. This is the core of our service and is authorized by you in writing during onboarding. All bureau communications are governed by the Fair Credit Reporting Act.
With Original Creditors and Collection Agencies
In the course of negotiating disputes, goodwill deletions, or debt validations, we may communicate your information with creditors and collection agencies that have accounts appearing on your credit report. We only share the information necessary to resolve each specific item.
With Service Providers
We work with a limited number of third-party providers who assist us in operating our business, including our secure client portal provider, payment processors, and communication tools. These providers are contractually obligated to use your information only to perform services on our behalf and may not use it for any other purpose.
When Required by Law
We may disclose your information if required to do so by law, court order, subpoena, or government authority, or when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
Business Transfers
In the event of a merger, acquisition, reorganization, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you via email and/or prominent notice on our Site prior to your information being transferred and becoming subject to a different privacy policy.
We will never: sell your Social Security Number, credit report data, or personal financial information to any third party, share your information with marketers or advertisers, or use your data for any purpose outside of delivering the services you enrolled in.
| How We Handle Credit Report Data
Because we are a credit repair organization, we handle particularly sensitive data — specifically your full credit reports, which contain your Social Security Number, complete financial history, and personally identifying information.
Our handling of this data is governed by the Fair Credit Reporting Act (FCRA), the Credit Repair Organizations Act (CROA), and the FTC Telemarketing Sales Rule (TSR). Specifically:
We access your credit reports only with your explicit written authorization.
We use your credit data solely to perform the credit repair services you engaged us to deliver.
We do not retain copies of your credit reports beyond the period necessary to complete your program unless required by law.
We do not share your credit data with any third party except the credit bureaus and creditors as required to dispute items on your behalf.
Your credit file information is stored using encrypted, access-controlled systems.
| Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your browsing experience and understand how our Site is used.
What Are Cookies
Cookies are small text files placed on your device by a website. They allow the website to remember your preferences and actions over time. Cookies do not contain your credit report data, Social Security Number, or any sensitive personal information.
Types of Cookies We Use
Essential cookies — required for the Site to function, such as session management and security features.
Analytics cookies — used to understand how visitors interact with our Site so we can improve the experience. We may use tools such as Google Analytics for this purpose.
Preference cookies — used to remember your choices, such as whether you have accepted the cookie banner.
Your Cookie Choices
You can control and manage cookies through your browser settings. Most browsers allow you to refuse cookies, delete existing cookies, or be notified when a cookie is set. Note that disabling certain cookies may affect the functionality of the Site.
When you visit our Site for the first time, you will see a cookie consent banner. Clicking "Accept All" allows all cookies. Clicking "Decline" restricts cookies to essential functionality only.
| Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with our legal obligations, resolve disputes, and enforce our agreements.
Specifically:
Active client files - are retained for the duration of your program and for a reasonable period after completion to address any follow-up questions or disputes.
Service agreements and payment records - are retained as required by applicable law, typically a minimum of 3 to 7 years.
Credit report data - is retained only as long as necessary to complete your dispute work and is securely disposed of thereafter.
Contact form submissions - that do not result in enrollment are retained for a limited period and then deleted.
Website analytics data - is retained in aggregate form for ongoing Site improvement.
When we no longer have a legitimate purpose to retain your information, we will securely delete or anonymize it.
| Data Security
We take the security of your personal information seriously, particularly given the sensitive nature of credit and financial data. We implement appropriate technical and organizational measures to protect your information against unauthorized access, alteration, disclosure, or destruction.
Our security measures include:
Encrypted transmission of data through SSL/TLS protocols on our website and client portal.
Access controls limiting who within our team can access your personal file.
Secure storage of sensitive documents through our client portal (SecureClientAccess.com).
Regular review of our data handling and security practices.
Important: No method of electronic transmission or storage is 100% secure. While we implement strong safeguards, we cannot guarantee the absolute security of your information. If you have reason to believe that your interaction with us is no longer secure, please contact us immediately at [email protected].
| Your Rights
You have the following rights regarding your personal information. To exercise any of these rights, contact us at [email protected].
Right to Access
You have the right to request a copy of the personal information we hold about you. We will respond to your request within 30 days.
Right to Correction
You have the right to request that we correct any inaccurate or incomplete information we hold about you.
Right to Deletion
You may request that we delete your personal information. Note that we may be required to retain certain information to comply with legal obligations, complete active service agreements, or resolve disputes. We will inform you of any information we are legally required to retain.
Right to Withdraw Consent
Where we rely on your consent to process your information, you have the right to withdraw that consent at any time. Withdrawal of consent does not affect the lawfulness of processing carried out before withdrawal. Note that withdrawing consent from an active program may affect our ability to continue providing services to you.
Right to Data Portability
You have the right to receive a copy of your personal information in a structured, machine-readable format where technically feasible.
Right to Opt Out of Communications
You may opt out of receiving non-essential communications from us at any time by contacting us at [email protected]. Note that we may still send you essential communications related to your active service agreement.
| Your Rights as a Credit Repair Client
As a credit repair organization, we are subject to the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA). These laws provide you with important rights regarding your credit information and your relationship with us.
Your Rights Under the FCRA
You have the right to know what is in your credit file at any time.
You have the right to dispute incomplete or inaccurate information directly with the credit bureaus at no charge.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information — typically within 30 days.
You have the right to know if information in your file has been used against you in a credit, insurance, or employment decision.
You may add a consumer statement to your file if a dispute is not resolved to your satisfaction.
Your Rights Under CROA
You have the right to cancel your service agreement within three business days after signing, in writing, without penalty or obligation.
Payment terms, including timing of any setup fee and monthly billing schedule, are fully disclosed in your service agreement before you sign. You have the right to review these terms in detail before committing.
We will not make false or misleading statements about your credit report or our services.
We cannot advise you to make any statement to a consumer reporting agency that is untrue or misleading.
You have the right to sue a credit repair organization that violates CROA, with available remedies including actual damages, punitive damages, and attorneys' fees.
You can dispute items on your credit report yourself for free. You have the right to dispute inaccurate information directly with the credit bureaus at AnnualCreditReport.com without using a credit repair service. Keys Credit provides expertise, experience, and dedicated follow through, but the underlying legal right to dispute belongs to you and costs nothing to exercise on your own.
| Children's Privacy
Our Site and services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and you believe your child has provided us with personal information, please contact us immediately at [email protected].
If we become aware that we have collected personal information from a child under 13 without verified parental consent, we will take steps to remove that information from our systems as quickly as reasonably practical.
Our credit repair services require the client to be at least 18 years of age or the age of majority in their jurisdiction. Minors may not enroll in our services without a parent or legal guardian acting as the responsible party.
| Third-Party Links
Our website may contain links to third-party websites, including our client portal at SecureClientAccess.com, payment processors, and other service providers. This Privacy Policy applies only to our own website and services. We encourage you to review the privacy policies of any third-party sites you visit, as we have no control over and assume no responsibility for the content or privacy practices of those sites.
| Changes to This Privacy Policy
We reserve the right to update or modify this Privacy Policy at any time. When we make changes, we will update the effective date at the top of this page. For material changes, we will provide notice by email to the address associated with your account or by posting a prominent notice on our website prior to the change becoming effective.
Your continued use of our Site or services after any changes become effective constitutes your acceptance of the revised Privacy Policy. We encourage you to review this policy periodically to stay informed of how we are protecting your information.
| Contact
Questions about this Privacy Policy or our data practices can be directed to [email protected] or by mail to Keys Tactical LLC, Goodyear, Arizona.
Note from Keys Credit. We believe privacy is a right, not a checkbox. This policy is written to be readable, specific, and honest. If you have questions about how we protect your information, contact us directly. We will give you a real answer.
Keys Credit
Credit Repair · Arizona Based
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2400 North Central Avenue
Suite 100, Phoenix, AZ 85004
Copyright 2026. Keys Tactical. All Rights Reserved.