Credit Bureau Services, LLC has created this privacy statement to demonstrate our commitment to your privacy. We respect your privacy and will not sell, lease, or distribute your information gathered from your IP address.
Effective Date: 07/12/2025
SCOPE OF THIS POLICY
Credit Bureau Services, LLC (“CBS”) has created this privacy policy to describe how we collect, use, maintain, share, and protect your personal information when you use our website, https://creditbureauservicesinc.com, or our payment portal, if applicable. This privacy policy applies to information collected when you visit our website or payment portal. It does not apply to information collected in any other way, including information collected offline. If you are a California resident, please see additional information in our California Privacy Notice.
CHILDREN’S PRIVACY
The CBS website is not intended for individuals under the age of eighteen, and CBS does not knowingly collect data relating to individuals under the age of eighteen.
THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT
Nothing in this privacy statement is intended to contradict your rights under the Fair Debt Collection Practices Act (FDCPA). CBS will not disclose any information to third parties that is otherwise prohibited by the FDCPA.
CHANGES TO THIS POLICY
We may modify this privacy policy at any time. If we do, we will post the revised version here. You should periodically check here for the most up-to-date version. Any changes that affect how we use or disclose personal information will not be retroactively applied.
INFORMATION AUTOMATICALLY COLLECTED
When you visit the website, we automatically collect certain information, like your IP address, browser type and operating system, the domain from which you came, the page you are viewing, and the date and time of your visit (“usage data”). We use this information for various purposes, such as investigating security incidents, running analytics to understand usage, and compliance with security standards.
PERSONAL INFORMATION
We do not collect personal information when you visit our website, unless you choose to provide it to us. You may elect to share personal information with us by filling out the information on our Contact page, such as your name, address, phone number, email address, and any other personal information you choose to provide. You may also share personal information by emailing us.
Categories of Personal Information we may collect include identifiers, protected classification characteristics, internet or electronic network activity information, sensory data, professional or employment-related information, and inferences drawn from any of this information.
HOW WE USE YOUR INFORMATION
Personal information is collected solely for the purpose of debt recovery in a lawful manner and remains part of our records until no longer needed or required to be deleted by law. We collect the minimum data necessary to effectuate debt collection. Your information may be used to fulfill the reason you provided it, such as responding to inquiries. It may also be used to perform services on behalf of CBS or our service providers. We will not collect additional categories of personal information or use it for unrelated or incompatible purposes.
SALE OF PERSONAL INFORMATION
We do not sell and will not sell your personal information.
SUBSCRIBER MOBILE NUMBERS
No mobile information, including text messaging opt-in data and consent, will be shared with third parties/affiliates for marketing/promotional purposes.
HOW WE COLLECT YOUR INFORMATION
We collect most personal information directly from our clients for whom we provide services, as well as from you by phone, mail, email, fax, public social media pages, or other online information. We may also collect from public sources, your transactions, service providers, third parties contacted during location activities, consumer reporting agencies, with your consent from an authorized representative, and your activity on our website.
GOOGLE ANALYTICS
We use “Google Analytics” to collect information about use of this site. Google Analytics uses cookies to collect data like visit frequency, pages visited, and prior websites. We do not combine Google Analytics data with personal information. Learn more at https://www.google.com/policies/privacy/partners/.
COOKIES
We use cookies to collect usage data, improve the site/services, and enhance your experience. Cookies are generated by a web server and stored on your computer. CBS uses session cookies (deleted when you close your browser). You can control cookies through browser settings.
THIRD-PARTY LINKS AND WEBSITES
You may access third-party sites via links on our site. We are not responsible for third-party privacy practices. Please review their privacy policies.
CHOICE & ONLINE TRACKING
You control whether to send us personal information through our Contact form. CBS does not track your online activities across third-party websites, but other third parties may. Learn more about online tracking choices at www.aboutads.info/choices/ and www.youradchoices.com.
INFORMATION SHARING AND DISCLOSURE
CBS may share collected personal information with employees who need to know that information to provide services. Except as described, CBS does not share or disclose personal information externally except to manage or service your account, verify employment, determine location, process payments, provide customer service, or as otherwise authorized by law. CBS may disclose information for corporate transactions, legal process, to protect life or property, as authorized by you, or for other legitimate business activities allowed by law.
SHARING YOUR INFORMATION WITH CONSUMER REPORTING AGENCIES
We may share information about you with CRAs and conduct periodic searches to verify identity or manage accounts. Account details may be reported and used to consider applications for credit, locate debtors, recover debts, and manage accounts. CBS may furnish account information to Experian, Equifax, and TransUnion. You may obtain a free annual credit file copy at https://www.annualcreditreport.com.
HOW LONG WE KEEP YOUR INFORMATION
CBS keeps your personal information while you have an account placed with us and may retain it for up to 10 years or as otherwise required by law or contract. Thereafter, we delete or anonymize it according to applicable laws.
ACCESS AND CORRECTION OF PERSONAL INFORMATION
You may access and update your information through our online Contact form or by contacting us at:
Credit Bureau Services, LLC
2147 William Street
PO Box 908
Cape Girardeau, MO 63702-0908
Phone: (573) 334-6044
Email: CBSCLIENT@CREDITBUREAUSERVICESINC.COM
SECURITY AND CONFIDENTIALITY
CBS protects your personal information with reasonable safeguards. Online personal information is transmitted using TLS. Our security program is designed to secure and maintain confidentiality, protect against threats, and prevent unauthorized access or disclosure. We dispose of information securely.
POINT OF CONTACT
If you have questions or comments about CBS’s privacy policy or practices, please contact us at:
Credit Bureau Services, LLC
Attn: Consumer Assistance
2147 William Street
PO Box 908
Cape Girardeau, MO 63702-0908
Phone: (866) 245-0375
Email: CBSCLIENT@CREDITBUREAUSERVICESINC.COM