CredRises is a product of Metric and Motion LLC (“we,” “our,” or “us”). We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our credit builder membership platform and website at credrises.com. By using our services, you agree to the practices described in this policy. CredRises is not a credit repair organization as defined under federal or state law.
We collect information you provide directly to us when you create an account, make a payment, or contact our support team. This includes:
Personal Identification Information: Full name, email address, mailing address, phone number, and date of birth.
Financial Information: Payment method details (processed securely through our payment processor; we do not store full card numbers), and payment history related to your membership.
Identity Verification Data: Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) may be collected to facilitate credit bureau reporting as required by applicable law.
Device & Usage Information: IP address, browser type, operating system, pages visited, and time spent on our platform. This data is collected automatically when you use our services.
Communications: Records of your correspondence with us, including support tickets and email exchanges.
CredRises uses the information we collect for the following purposes:
Service Delivery: To create and manage your membership account, process payments, and report your payment activity to credit bureaus (Equifax, Experian, and TransUnion) as authorized by you.
Account Management: To verify your identity, prevent fraud, and maintain the security of your account.
Communications: To send you service-related notifications, payment receipts, membership updates, and educational content. You may opt out of marketing communications at any time.
Legal Compliance: To comply with applicable laws and regulations, including the Fair Credit Reporting Act (FCRA), and to respond to lawful requests from government authorities.
Platform Improvement: To analyze usage patterns and improve our services, website functionality, and user experience.
We do not sell your personal information to third parties for their marketing purposes.
By enrolling in CredRises and authorizing us to report on your behalf, you understand and agree that:
Authorization: You expressly authorize CredRises to report your monthly membership payment activity to Equifax, Experian, and TransUnion.
Accuracy: We report accurate payment information based on your actual membership payment records. We do not manipulate, dispute, or alter legitimately reported information on your behalf.
FCRA Compliance: CredRises operates in accordance with the Fair Credit Reporting Act (FCRA). We are a data furnisher as defined under the FCRA and maintain policies to ensure the accuracy and integrity of reported information.
No Guarantees: Reporting payment history does not guarantee any specific outcome with respect to your credit score or creditworthiness. Results vary by individual.
Cancellation Impact: If you cancel your membership, CredRises will cease reporting new payment activity. Previously reported accurate history will remain on your credit file as permitted by law.
We do not sell, rent, or trade your personal information. We may share your information with:
Credit Bureaus: Equifax, Experian, and TransUnion, solely for the purpose of reporting your payment history as authorized by you.
Service Providers: Third-party vendors who perform services on our behalf, including payment processing, identity verification, email delivery, and customer support. These providers are contractually obligated to protect your data and use it only as directed by CredRises.
Legal Requirements: We may disclose your information when required by law, court order, or governmental authority, or when we believe disclosure is necessary to protect the rights, property, or safety of CredRises, our users, or the public.
Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the acquiring entity, subject to equivalent privacy protections.
We take the security of your personal information seriously and implement industry-standard safeguards:
Encryption: All data transmitted to and from our platform is encrypted using SSL/TLS protocols. Sensitive data stored at rest is protected using AES-256 encryption.
Access Controls: Access to personal data is strictly limited to authorized personnel who need it to perform their job functions.
Payment Security: Payment processing is handled by PCI-DSS compliant payment processors. CredRises does not store full payment card numbers.
Monitoring: We maintain security monitoring systems to detect and respond to potential threats or unauthorized access attempts.
Despite these measures, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we are committed to protecting your information using commercially reasonable means.
You have the following rights regarding your personal information:
Access: You may request a copy of the personal information we hold about you.
Correction: You may request that we correct inaccurate or incomplete personal information.
Deletion: You may request deletion of your personal information, subject to our legal obligations and legitimate business needs.
Opt-Out of Marketing: You may opt out of receiving marketing communications at any time by clicking the "unsubscribe" link in any marketing email or contacting us directly.
Data Portability: Where technically feasible, you may request a portable copy of your personal information.
California Residents (CCPA): California residents have additional rights under the California Consumer Privacy Act, including the right to know, the right to delete, and the right to opt out of the sale of personal information. CredRises does not sell personal information.
To exercise any of these rights, contact us at privacy@credrises.com.
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements.
Specifically: - Active account information is retained for the duration of your membership. - Payment records are retained for a minimum of 7 years as required for financial record-keeping. - Credit reporting records are retained as required by the FCRA. - After account closure, we may retain certain information for up to 3 years for fraud prevention and legal compliance purposes.
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Email: privacy@credrises.com **Mailing Address:** Metric and Motion LLC — CredRises Privacy Officer 12564 Central Ave, Unit A #741 Chino, CA 91710
We will respond to your inquiry within 30 days. For urgent security or privacy concerns, please indicate "URGENT" in your subject line.
If you are not satisfied with our response, you may have the right to lodge a complaint with the applicable data protection authority in your jurisdiction.
© 2026 Metric and Motion LLC. CredRises is a product of Metric and Motion LLC. All rights reserved.