Privacy Policy

Last Updated: March 2026

Next Chance Solutions ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, services, and digital products.

1. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, mailing address, and date of birth when you contact us, book a consultation, or purchase a product.
• Credit-Related Information: Credit report data, account numbers, dispute details, and financial records that you voluntarily provide to us as part of our credit repair services. We do not pull your credit reports without your explicit written authorization.
• Payment Information: Billing details processed through our secure third-party payment processors. We do not store full credit card numbers on our servers.
• Usage Data: IP address, browser type, pages visited, time spent on pages, and other analytics data collected automatically when you visit our website.
• Communication Records: Emails, messages, and call records related to your account and services.

2. How We Use Your Information

We use the information we collect to:

• Provide credit repair, eviction removal, and financial education services
• Process payments and deliver digital products
• Communicate with you about your account, services, and updates
• Send dispute letters to credit bureaus and creditors on your behalf
• Improve our website, products, and services
• Comply with legal obligations and respond to lawful requests
• Send marketing communications (only with your consent; you can opt out at any time)

3. Data Sharing and Third Parties

We do not sell your personal information. We may share your information with:

• Credit Bureaus: Equifax, Experian, and TransUnion — only as necessary to process disputes on your behalf
• Payment Processors: Secure third-party payment services to process transactions
• Service Providers: Email platforms, CRM systems, and hosting providers that help us operate our business, bound by confidentiality agreements
• Legal Authorities: When required by law, court order, or government request

4. Data Security

We implement industry-standard security measures to protect your information, including encrypted data transmission (SSL/TLS), secure storage, and access controls. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

5. Cookies and Tracking

Our website uses cookies and similar technologies to enhance your browsing experience, analyze site traffic, and understand user behavior. You can control cookie preferences through your browser settings. Disabling cookies may affect certain website functionality.

6. Your Rights

You have the right to:

• Access, update, or delete your personal information by contacting us
• Opt out of marketing communications at any time
• Request a copy of the data we hold about you
• Withdraw consent for data processing where applicable
• File a complaint with a data protection authority if you believe your rights have been violated

7. FCRA Compliance

Next Chance Solutions operates in full compliance with the Fair Credit Reporting Act (FCRA) and all applicable federal and state laws governing credit repair services. We respect your rights under the FCRA, including your right to dispute inaccurate information on your credit reports and to be informed of the dispute process.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have collected information from a child under 18, we will delete it promptly.

9. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this policy. Credit-related documents are retained for a minimum of 2 years after service completion as required by industry standards, after which they are securely destroyed.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, contact us at:

Next Chance Solutions
Phone: (904) 607-1087
Email: info@nextchancesolutions.com
Instagram: @donebyjeanique