NXT Level Consultants ("we," "us," or "our") respects your privacy. This policy explains what information we collect when you use our website, request a credit consultation, or become a client — and how we use, share, and protect that information. By using our services or visiting our website, you agree to the practices described here.
The short version: We collect only what's needed to consult on your credit and run our business. We don't sell your information. We share it only with the bureaus and service providers needed to do the work you've hired us to do.
01 / What we collectInformation we collect
The information we collect depends on how you interact with us. We collect:
Information you give us directly
- Contact information — name, email, phone number, mailing address
- Identity verification information — date of birth, Social Security number, government ID (required by federal law to pull credit reports)
- Credit and financial information — credit reports, account histories, dispute documentation, correspondence with credit bureaus and creditors
- Communications — messages you send us by email, phone, text, Instagram DM, or through our website forms
- Payment information — billing details processed securely through our payment processor (we do not store full card numbers on our systems)
Information collected automatically
- Device and usage data — IP address, browser type, pages visited, time spent on the site, referring URL
- Cookies and similar technologies — used to keep the site working properly and to understand traffic patterns
02 / How we use itHow we use it
We use your information to:
- Pull your credit reports from Equifax, Experian, and TransUnion when you authorize us to
- Analyze your reports and build your custom dispute strategy
- Prepare and send dispute correspondence on your behalf
- Communicate with you about your case, billing, and our services
- Operate, improve, and secure our website and services
- Comply with our legal obligations under the Fair Credit Reporting Act, Credit Repair Organizations Act, and other applicable laws
We will never use your credit or financial information for marketing without your specific consent.
03 / Who we share withWho we share with
We share your information only when necessary to provide the services you've requested or when required by law. Specifically:
- Credit bureaus and creditors — to file disputes, request validation, and exercise your rights under federal law
- Service providers we work with — including our case management software, secure email and document tools, and payment processor. These providers are contractually required to protect your information and use it only for the services they perform for us
- Legal and compliance — when required by subpoena, court order, regulatory request, or to enforce our agreements
We do not sell your personal information. We do not share it with marketers, data brokers, or unrelated third parties.
04 / How we protect itHow we protect it
We use reasonable administrative, technical, and physical safeguards to protect your information, including encrypted transmission of sensitive data, access controls limiting who on our team can see your file, and secure document storage. No system is 100% secure, but we treat your data the way we'd want our own treated.
05 / Your rightsYour rights
You have the right to:
- Access — request a copy of the personal information we have about you
- Correct — ask us to fix any information that's inaccurate
- Delete — ask us to delete your information when we no longer need it (subject to our legal record-keeping obligations)
- Withdraw consent — cancel our services at any time, including your authorization for us to pull credit reports on your behalf
- Opt out of marketing — unsubscribe from any marketing emails or texts at any time
To exercise any of these rights, email us at info@NXTLevelConsultants.com. Residents of California, Virginia, Colorado, and other states with specific privacy laws may have additional rights — we'll honor those rights as required.
06 / CookiesCookies and tracking
Our website uses minimal cookies — primarily to keep the site functioning correctly and to understand basic traffic patterns. You can disable cookies in your browser settings; the site will still work, though some features may behave differently. We do not use third-party advertising trackers.
07 / How long we keep itHow long we keep it
We keep your information for as long as you're a client and for a period afterward as required by law (typically several years for tax, regulatory, and legal-defense purposes). After that, we securely delete or anonymize it.
08 / ChildrenChildren's privacy
Our services are intended for adults. We do not knowingly collect personal information from anyone under 18. If you believe we've inadvertently collected information from a minor, contact us and we'll delete it.
09 / Changes to this policyChanges to this policy
We may update this Privacy Policy from time to time. When we do, we'll change the "Last updated" date at the top and post the new version here. Material changes will be communicated to active clients by email.
10 / ContactContact us
Questions about this policy or how your information is handled?