1. Who We Are

Momentum Scores (“Momentum Scores,” “we,” “our,” or “us”) is a credit education and credit restoration brand based in Salt Lake City, Utah. We work with clients nationwide to help them better understand their credit reports and use consumer protection laws, including the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), to address inaccurate or unverifiable information being reported.

We are not a law firm and we do not provide legal, tax, or investment advice. Our services are educational in nature and are designed to help you understand your rights and options.

2. Information We Collect

We may collect the following categories of information:

• Contact information, such as your name, phone number, email address, and mailing address.
• Credit-related information, such as details from your credit reports, account statuses, and creditor or collection agency information that you or your monitoring provider share with us.
• Account and communication history, such as messages, notes from calls, emails, and SMS conversations with our team.
• Technical information, such as IP address, device type, and basic usage data when you visit our website.

We typically receive credit report details through client-authorized third-party monitoring services (for example: SmartCredit, IdentityIQ, Credit Hero Score, or similar providers), or directly from you if you upload or email copies of your reports or bureau letters.

3. How We Use Your Information

We use the information we collect to:

• Provide credit education and credit restoration services.
• Review your credit reports and create strategies for disputing inaccurate, incomplete, or unverifiable items.
• Communicate with you about your account, progress updates, appointment reminders, and billing or payment matters.
• Send you occasional educational content, reminders, and offers related to credit, debt, and financial wellness (where permitted by law).
• Maintain internal records, improve our services, and comply with legal and regulatory obligations.

4. How We Share Information

We do not sell your personal information to third parties. We may share information in the following limited circumstances:

• With service providers that help us operate our business (for example: payment processors, email/SMS platforms, client portals, or document storage systems).
• With credit bureaus or creditors/collectors when we send dispute letters or correspondence on your behalf consistent with your authorization.
• When required by law, subpoena, court order, or government request.
• To protect the safety, rights, or property of Momentum Scores, our clients, or others.

Any third-party vendor we use is expected to handle your information securely and only for the purposes we specify.

5. SMS Text Message Terms

By submitting your phone number on our website or through any of our forms, you agree that Momentum Scores may contact you via SMS text message at the number you provide, including using automated technology, for:

• Appointment reminders and confirmations.
• Status updates about your credit analysis or dispute process.
• Billing and account-related notifications.
• Occasional promotional or educational messages regarding credit and financial wellness, if permitted in your state.

Message frequency may vary based on your level of engagement and where you are in the process. Message and data rates may apply, depending on your mobile carrier plan.

You can opt out of SMS at any time by replying “STOP” to any message we send. To receive help or more information, you can reply “HELP”, text us at 385-360-6745, or email us at Support@momentumscores.com.

Your consent to receive SMS messages is not a condition of purchase. You may still enroll in our services if you choose to communicate by phone or email instead of text.

6. Credit Restoration & Education Disclosures

Momentum Scores provides credit education and credit restoration services. Our work typically includes reviewing your credit reports, helping you identify inaccurate or unverifiable information, and assisting with dispute strategies under applicable consumer protection laws.

• We cannot guarantee a specific increase in your credit score, a specific outcome with any creditor or credit bureau, or approval for any loan, credit card, or financing product.
• Results vary from person to person based on a number of factors, including your current credit profile, payment history, and how creditors and credit bureaus respond to disputes.
• Our services are not a substitute for legal advice. If you need legal advice, you should consult with a licensed attorney in your state.
• You are always responsible for making your own financial decisions, including whether and how to pay any debts you owe. We do not instruct clients to stop paying valid debts.
• Any references to potential timelines or outcomes are estimates, not promises.

7. Payments, Cancellations & Client Responsibilities

Specific payment amounts, setup fees, and subscription terms are explained on our Pricing page and during your free credit analysis. By enrolling, you agree to the payment schedule and terms presented at that time.

• You may cancel your service in accordance with your service agreement by contacting us via text, phone, or email.
• You agree to promptly update us about any new credit bureau letters, creditor correspondence, or changes to your contact information so we can accurately support your case.
• Failure to maintain active credit monitoring, make required payments, or respond to requests for information may impact your results.

8. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or method of electronic storage is 100% secure. We cannot guarantee absolute security of your information.

9. Children’s Privacy

Our services are intended for adults. We do not knowingly collect or solicit personal information from anyone under the age of 18. If we learn that we have collected information from a minor without verifiable parental consent, we will take steps to delete that information.

10. Changes to This Policy

We may update this Privacy Policy, SMS Terms, and service disclosures from time to time to reflect changes in our practices or applicable laws. When we update this page, we will revise the “Last updated” date near the top. Your continued use of our website or services after any changes are posted constitutes your acceptance of those changes.

11. How to Contact Us

If you have any questions about this policy or your information, you can reach us at:

• Email: Support@momentumscores.com
• Phone / Text: 385-360-6745 (Text is best)
• Mailing Address:
  Momentum Scores
  350 East 400 South #3061
  Salt Lake City, Utah 84118
  United States

This policy is provided for general informational purposes only and is not legal advice. You should review this policy with your own attorney to ensure it meets all requirements for your location and business model.