Privacy Policy

1. Scope

This Policy applies to information collected through State48Credit.com, including lead forms, consultation forms, service-review forms, contact interactions initiated through the website, and related website communications.

If you become a client, additional information may be handled under a separate written service agreement, required consumer disclosures, and other notices provided to you. This Privacy Policy does not replace those documents.

2. Information We Collect

Depending on the form or page you use, State 48 Credit may collect information you voluntarily provide, including:

• Name.
• Email address and telephone number.
• City, state, ZIP code, or other location information you provide.
• Preferred contact method.
• The credit-report, hard-inquiry, ChexSystems, specialty-report, or financing topic you want to discuss.
• The bureau, report, system, or type of negative information involved.
• Goals or timing information you choose to provide, such as a mortgage, apartment, vehicle, banking, credit-card, business, or financing goal.
• Messages, questions, and consent choices submitted with a form.

3. Technical Information, Local Storage, and Logs

Our hosting and security systems may process technical information such as IP address, request headers, browser or device information, page requests, timestamps, and error or security events. This information may be used to deliver the site, protect forms, investigate problems, prevent abuse, and maintain website security.

The public website uses browser local storage to remember your light-or-dark theme preference. At the effective date of this Policy, the public site does not contain third-party advertising pixels or Google Analytics. If analytics or advertising technology is added later, this Policy should be updated to describe that change and any choices required by applicable law.

4. How We Use Information

State 48 Credit may use website information to respond to requests for a free review, contact you using the method you selected, understand which service may fit the issue described, provide customer service, operate and secure the website, prevent spam or abuse, maintain appropriate business records, comply with law, and protect the rights and safety of State 48 Credit, users, and others.

5. When Information May Be Disclosed

Information may be disclosed to service providers that help host, secure, operate, or deliver website communications; professional advisers when reasonably necessary; authorities or other parties when required by law or needed for fraud, safety, or security purposes; a successor in a business transaction; or another party at your direction.

The current website is hosted through Vercel, and website lead notifications may be transmitted through Resend to State 48 Credit. We do not authorize website hosting or email-delivery providers to use lead information for their own independent marketing.

6. Calls, Text Messages, and Email

When you submit a request and provide contact information, you authorize State 48 Credit to respond regarding that request. If you select text messaging or otherwise consent to texts, message and data rates may apply and message frequency can vary.

You may ask us to stop optional text messages at any time, including by replying STOP where reply texting is available, or by contacting hello@state48credit.com or (602) 377-6626. Consent to receive marketing texts is not a condition of purchasing services. See our Text Message Terms.

7. How Long We Keep Information

Information is kept for as long as reasonably necessary for the purpose for which it was collected, to communicate with you, maintain appropriate business records, resolve disputes, enforce agreements, meet legal obligations, and protect against fraud or security issues. Retention periods can vary by information type and purpose.

8. Security

State 48 Credit uses reasonable administrative and technical measures designed to protect information handled through the website. The current lead endpoint includes same-origin checks, field allowlisting, input cleaning, request-size limits, rate limiting, and validation intended to reduce abuse and accidental submission of certain sensitive information.

No website, network, transmission method, or storage system can be guaranteed to be completely secure. Do not send sensitive consumer-report documents or account credentials through public website forms.

9. Your Privacy Choices

You may contact us to ask what website-submitted personal information we maintain about you, request a correction, request deletion where appropriate, update a contact preference, or ask us to stop optional communications. Requests are evaluated consistent with applicable law, legitimate business needs, recordkeeping duties, and any service agreement that applies.

Email hello@state48credit.com with the subject line Privacy Request. We may need to verify enough information to confirm the request relates to you.

10. Children’s Privacy

State48Credit.com is intended for adults seeking information about credit-report and related consumer-report issues. It is not directed to children under 13, and State 48 Credit does not knowingly seek personal information from children under 13 through the website.

11. Changes to This Policy

We may update this Privacy Policy when the website, service providers, analytics tools, communication practices, service area, or legal obligations change. The date at the top of the page will show the latest revision.

12. Contact State 48 Credit

State 48 Credit
Phoenix-based. Serving Arizona statewide. Nationwide remote inquiries welcome.
Email: hello@state48credit.com
Call or text: (602) 377-6626

This Privacy Policy describes website information practices. It does not create rights beyond those provided by applicable law or a written agreement.