Privacy Policy + Terms and Conditions

Who we are

Welcome to Creditt Bees! We are a dedicated team focused on transforming financial landscapes by empowering individuals with the knowledge and tools they need to achieve financial stability and success. Our mission is to combat credit invisibility and improve financial literacy, especially within minority communities.

Through our comprehensive financial literacy programs, we offer interactive workshops and online resources designed to increase credit scores and enhance financial decision-making skills. Our goal is to provide our community members with the confidence and capability to navigate their financial futures independently.

At Creditt Bees, we believe in fostering economic growth and equality. By offering opportunities to access secured credit cards, our participants can build or improve their credit history, setting them on a path toward financial resilience and achievement. Join us in our journey to make informed financial empowerment a reality for everyone.

Comments

  • When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
  • An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

  • If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

  • If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
  • If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
  • When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
  • If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

  • Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
  • These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your data with

  • If you request a password reset, your IP address will be included in the reset email.

How long we retain your data

  • If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
  • For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

  • If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where your data is sent

  • Visitor comments may be checked through an automated spam detection service.

Terms and Conditions

Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ‘credit repair’ company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. 

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. 

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. 

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. 

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. 

If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. 

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: 

The Public Reference Branch

Federal Trade Commission

Washington, D.C. 20580

Creditt Bees is a cloud-based credit repair software solution that provides consumers with the resources and tools to quickly and easily perform and manage all aspects of the credit repair process on their own. By opening a Creditt Bees DIY account you agree to the Terms of Use and Privacy Policy and you will have access to the following features:

  1. Link your Credit Reports and Scores

Automatically link your credit reports and scores from all 3 credit bureaus with a new or existing account through one of our credit monitoring partners.

  1. Evaluate your Credit Reports and Scores

Evaluate your current credit reports from all 3 credit bureaus to identify potentially inaccurate, erroneous, false, or obsolete information which is negatively affecting your credit scores.

  1. Create Credit Bureau Dispute Letters

Quickly and easily create effective dispute letters for the dispute of potentially inaccurate, erroneous, false, or obsolete information for any accounts on your credit reports. The Creditt Bees platform enables you to create unlimited dispute letters for all types of accounts listed on your credit reports from all 3 credit bureaus.

  1. Track your Results

Creditt Bees will automatically retrieve and update your credit reports and scores from your linked credit monitoring account every month to track the results of your disputes and credit repair progress.

  1. Resources

Educational videos and articles provide expert advice and instructions on how to improve, build and maintain great credit. Letter templates and guides are available for all your credit related needs.

Authorizations

Upon linking your credit reports to your Creditt Bees account, you authorize Creditt Bees to store your credit report and score info as well as your credit monitoring account credentials and to access your credit monitoring account for the purpose of retrieving and updating your credit reports and scores.

Creditt Bees Fees

Creditt Bees’s website and credit repair software platform is free. The only costs associated with the Creditt Bees platform are the membership fees charged by our credit monitoring partners which you can link to your Creditt Bees account to automatically connect your 3 Bureau Credit Reports and Scores. The credit monitoring membership plans that are available to link to Creditt Bees range in price from $19.99/month to $31.99/month. To avoid being charged any future membership fees you can login to your linked credit monitoring account and cancel your subscription online at any time.

Duration

Once you create a Creditt Bees account you can login to your account by accessing this website at anytime. You can use the account with all of its features for as long as you would like to whether you choose to use it for creating and tracking dispute letters, for the resources section or just to monitor your credit across all 3 bureaus.

Creditt Bees Contact Information

8204 Elmbrook Dr Dallas. TX 75247

Phone: (972) 842–4042

Email: [email protected]

You may cancel this contract without penalty or obligation at any time. See the attached notice of cancellation form for an explanation of this right.

While Creditt Bees is free software, users have the option to link an active credit monitoring subscription service through a third-party provider. To cancel your credit monitoring subscription, contact them directly using the information and instructions they provided when you enrolled. Submitting a notice of cancellation to Creditt Bees does not automatically cancel any subscription you have with a third-party credit monitoring service that you may have linked toCreditt Bees. Please contact your credit monitoring service provider separately and close your account according to their cancellation guidelines.  

Notice of Cancellation Form:

You may cancel this contract without penalty or obligation at any time.

To cancel this contract with Creditt Bees, call (972) 842-4042 during business hours Monday – Friday 9am to 5pm PST or email [email protected]

You can also mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to Creditt Bees at 8204 Elmbrook Dr Ste 213. Dallas, TX 75247 

I hereby cancel this transaction,

 

[date]

 

[purchaser’s signature].