Privacy Policy




Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell you
how we collect, share, and protect your personal information. Please read this notice carefully to
understand what we do.


The types of personal information we collect and share depend on the product or service you
have with us. This information can include:

  • Social Security number and Income
  • Account balances and payment history
  • Credit history and credit scores


All financial companies need to share customers’ personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their customers’
personal information; the reasons Credit Concepts chooses to share; and whether you can limit
this sharing.

Reasons we can share your personal information

Does Credit Concepts
Inc. share?

Can you limit this sharing?

For our everyday business purposes—

such as to process your transactions, maintain
your account(s), respond to court orders and legal
investigations, or report to credit bureaus

Yes No

For our marketing purposes—

to offer our products and services to you

Yes No

For joint marketing with other financial companies

No We don’t share

For our affiliates’ everyday business purposes—

information about your transactions and experiences

Yes No

For our affiliates’ everyday business purposes—

information about your creditworthiness

Yes Yes

For our affiliates to market to you

Yes Yes

For nonaffiliates to market to you

No We don’t share

To limit our sharing

  • Call 888-301-1043 —our menu will prompt you through your choice(s)
  • Visit us online

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent
this notice. When you are no longer our customer, we continue to share your information as
described in this notice.
However, you can contact us at any time to limit our sharing.



Call 888-301-1043 or go to


Who we are

Who is providing this notice?

Credit Concepts, Credit Concepts Inc., Credit Concepts of Washington,


What we do

How does Credit Concepts protect my personal information?

To protect your personal information from unauthorized access
and use, we use security measures that comply with federal law.
These measures include computer safeguards and secured files
and buildings.

How does Credit Concepts collect my personal information?

We collect your personal information, for example, when you

  • Open an account or use your credit or debit card
  • Pay your bills or apply for a loan
  • Give us your contact information

We also collect your personal information from others, such as credit
bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes—information
    about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to
limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account—unless you tell
us otherwise.




Companies related by common ownership or control. They can be
financial and nonfinancial companies.

  • Our affiliates include financial companies, such as Credit
    Concepts, Credit Concepts Inc., and Credit Concepts of
    Washington LLC.


Companies not related by common ownership or control. They can be
financial and nonfinancial companies.

  • Credit Concepts and its subsidiaries do not share with
    nonaffiliates so they can market to you

 Joint marketing

A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.

  • Credit Concepts Inc., and its subsidiaries do not jointly market.


Other important information

For California Residents. We will not share information we collect about California residents with
companies who are not affiliates, except as permitted by law, such as with your consent or to service your
accounts. Among our affiliates, we will limit information sharing to the extent permitted by California law. You
are not required to contact us for these elections to apply.


For Nevada Residents. We are providing you this notice pursuant to state law. You may be placed on our
internal Do Not Call List by calling us at the telephone number on the front page of this form. Nevada law
requires that we also provide you with the following contact information: Bureau of Consumer Protection,
Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone
number – 702-486-3132; email: