Privacy Policy
Last updated: October 7, 2026
The Credit Avenue ("we," "us," or "our") is a credit repair organization operating as a DBA of Avenue Collective, LLC, located in Kentucky. This Privacy Policy describes how we collect, use, store, and protect your personal information.
Information We Collect
When you become a client, we may collect the following information:
- Full name, middle name, and date of birth
- Social Security Number
- Current address and contact information
- Phone number (used for identity and file verification purposes only, not for calls, texts, or telemarketing)
- Email address
- Photo identification (driver's license, state ID, or passport)
- Social Security card (optional)
- Proof of address
- Credit monitoring account credentials (username, password, and security question answer for myScoreIQ)
- CFPB account credentials (if applicable)
- Credit report information
- Dispute correspondence and documentation
How We Use Your Information
Your information is used solely for the purpose of providing credit repair services, including:
- Reviewing and disputing inaccurate information on your credit reports
- Filing complaints with the Consumer Financial Protection Bureau (CFPB) when necessary
- Monitoring your credit progress through myScoreIQ
- Communicating with you via email and your client portal
- Maintaining your client file as required by the Credit Repair Organizations Act (CROA)
Where Your Information Is Stored
Your information is stored in our client management system, DisputeFox. Access is limited to The Credit Avenue and authorized team members who need the information to perform credit repair services on your behalf.
Third Parties
We do not sell, rent, or share your personal information with third parties for marketing purposes. We may share your information with:
- Credit reporting agencies (TransUnion, Experian, Equifax) for the purpose of disputing inaccurate information
- The Consumer Financial Protection Bureau (CFPB) for the purpose of filing complaints on your behalf
- myScoreIQ for credit monitoring services (you maintain your own myScoreIQ account)
Data Retention
We retain your client file, including all correspondence and documentation, for a period of not less than two (2) years from the date of your agreement, as required by the Credit Repair Organizations Act (CROA).
Your Rights
You have the right to:
- Request access to your personal information
- Request correction of inaccurate information
- Request deletion of your personal information (subject to CROA retention requirements)
- Revoke authorization for credit repair services at any time by providing written notice
- Revoke access to your CFPB account at any time
Contact
For privacy questions or requests, contact us at hello@thecreditavenue.com.
SMS / Text Messaging
How we use your mobile number. When you provide your mobile phone number and check the consent box on our forms, you agree to receive text messages from The Credit Avenue (operated by Avenue Collective, LLC, a Kentucky LLC). We use your mobile number to send you text messages related to the services or information you requested.
What you will receive. Message types may include:
- The debt validation letter or other templates you requested
- Credit tips and educational content
- Appointment reminders and scheduling updates
- Account and service status updates
- Occasional offers related to our credit services
How often. Message frequency varies. You may receive up to approximately 4 messages per week. You are not subscribing to a fixed or recurring plan.
Costs. Message and data rates may apply. Check with your mobile carrier for details on your messaging plan.
Opting out. You can stop text messages at any time by replying STOP to any message you receive from us. After you opt out, you will receive one final confirmation message. You won't receive more texts unless you sign up again.
Getting help. Reply HELP to any message for support, or email us at info@thecreditavenue.com.
Consent is not required to buy. Providing your mobile number and consenting to text messages is not a condition of purchasing any product or service from The Credit Avenue. You may use our services without consenting to text messages.
We do not sell your number. We never sell your mobile phone number or your text message opt-in consent to third parties or affiliates for marketing purposes.
Sharing with service providers. We may share your mobile number with service providers who help us send text messages on our behalf, such as our CRM platform. These providers are contractually required to protect your information and may not use it for their own marketing.
Carrier liability. Your mobile carrier and other wireless providers are not liable for delayed or undelivered messages.