Effective Date: August 24, 2026
Evolve My Credit is a trade name used by A&L Credit Solutions (collectively, “Evolve My Credit,” “we,” “us,” or “our”). This Privacy Policy explains how we collect, use, disclose, and protect information when you visit evolvemycredit.com, submit a form, communicate with us, or use services that link to this Policy.
INFORMATION WE COLLECT
Information you provide. We may collect your name, email address, telephone number, contact preferences, consultation requests, messages, and other information you choose to provide. Payment processors may collect payment and transaction information when you make a purchase. Do not submit Social Security numbers, dates of birth, government identification, credit reports, credit-monitoring credentials, passwords, or payment-card information through a general website form, email, or text message. If sensitive information is needed for an agreed service, we will direct you to an approved secure intake method.
Information collected automatically. We and our service providers may collect IP address, browser and device information, pages viewed, referring pages, approximate location, timestamps, cookie identifiers, and similar usage information for security, analytics, functionality, and performance.
Communications and service records. We may keep records of calls, texts, emails, appointments, consent choices, opt-outs, agreements, services requested, support interactions, and work performed.
HOW WE USE INFORMATION
We may use information to respond to requests; provide consultations and contracted services; create and manage customer records; send service-related communications; send marketing communications where permitted; schedule appointments; operate, secure, troubleshoot, and improve our website and systems; process transactions; maintain records; prevent fraud or misuse; comply with law; and establish or defend legal claims.
TEXT MESSAGES AND CALLS
If you affirmatively check the consent box and submit a website form, you consent to receive marketing and promotional text messages from Evolve My Credit at the telephone number you provide, including consultation follow-ups and service information. Consent is not a condition of purchase. Message frequency varies. Message and data rates may apply. Reply HELP for help or STOP to opt out. You may revoke consent at any time in any reasonable manner. We will honor opt-out requests as required by law. Carriers are not liable for delayed or undelivered messages.
Mobile information and text-message opt-in data will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes. We may share it with service providers that help us deliver communications, subject to appropriate restrictions, and when required by law.
COOKIES AND ANALYTICS
We may use cookies, pixels, and similar technologies to keep the site working, remember preferences, measure traffic, understand performance, and support advertising. Browser settings may allow you to block or delete cookies, but some features may not function properly. Where legally required, we will request consent before using nonessential cookies.
HOW WE DISCLOSE INFORMATION
We may disclose information to vendors that provide website hosting, customer-relationship management, email and SMS delivery, call routing, appointment scheduling, analytics, security, document delivery, payment processing, professional services, and other operational support. We may also disclose information at your direction; in connection with a business transaction; to comply with law, court orders, or valid legal process; or to protect rights, safety, property, systems, and users.
We do not sell or rent personal information for money. We do not disclose mobile opt-in information or consent to third parties for their own marketing. Third-party services that you choose to use, including credit-monitoring or financial-service providers, have their own privacy practices.
DATA RETENTION
We retain information only for as long as reasonably necessary for the purposes described in this Policy, including providing services, maintaining business and consent records, meeting legal and accounting obligations, resolving disputes, and enforcing agreements. Retention periods vary by the type of information and applicable requirements.
SECURITY
We use reasonable administrative, technical, and physical safeguards designed to protect information. No website, network, transmission, or storage system is completely secure. You are responsible for using secure channels when requested and for protecting passwords and account credentials.
YOUR CHOICES AND RIGHTS
You may unsubscribe from marketing emails using the link in the message. You may opt out of texts by replying STOP or by making a clear opt-out request. You may contact us to request access, correction, or deletion of information, subject to identity verification and legal exceptions. Depending on where you live, you may have additional rights concerning access, correction, deletion, portability, or certain disclosures. We will not unlawfully discriminate against you for exercising an applicable privacy right.
CHILDREN
Our website and services are not directed to children under 18, and we do not knowingly collect personal information from children through the general lead form. If you believe a child provided information, contact us so we can evaluate and delete it where appropriate.
CREDIT-SERVICE INFORMATION
Credit outcomes depend on each consumer’s circumstances and on third parties. Evolve My Credit does not guarantee deletion of information, a credit-score increase, approval for credit, funding, or any particular timeline. Accurate and current negative information cannot lawfully be removed merely because it is negative. Credit-repair services are governed by a separate written agreement and required consumer disclosures. This Privacy Policy does not replace or modify those documents.
THIRD-PARTY LINKS
Our site may link to third-party websites or services. We are not responsible for their content, security, or privacy practices. Review their terms and privacy notices before providing information.
CHANGES TO THIS POLICY
We may update this Policy from time to time. The Effective Date above shows when it was last revised. Material changes will be posted on this page or communicated as required by law.
CONTACT US
For privacy questions or requests, contact Evolve My Credit through the Contact page at https://www.evolvemycredit.com/contact or call (248) 243-4232. Mailing address: A&L Credit Solutions d/b/a Evolve My Credit, P.O. Box 294, Troy, Michigan 48099.