Privacy Policy

Effective date: July 19, 2026

The short version

The credit score simulator collects nothing. Every input you enter runs entirely in your browser, is never transmitted to us or anyone else, and disappears when you close the page. The only personal data this site ever receives is what you voluntarily type into the contact form.

The simulator

Slider values, selected options, and simulated scenarios are processed by JavaScript on your device. We do not send, store, log, or analyze them. The site sets no cookies, uses no analytics identifiers, and does not fingerprint visitors.

The contact form

If you use the contact form, we receive the reply email address, subject, and message you submit. This information is used solely to read and answer your message. It is delivered directly by email and is not stored in a database, written to application logs, shared, or sold. Do not include Social Security numbers, account numbers, passwords, or other sensitive identifiers in a message — we will ask you to resend without them if you do.

The contact form is protected by Cloudflare Turnstile, a privacy-conscious challenge that helps block automated abuse. When you submit the form, Turnstile processes limited technical information under Cloudflare's privacy policy.

Hosting and network data

Like virtually all websites, our hosting infrastructure and Cloudflare (our DNS/CDN provider) process standard technical request data, such as IP addresses, for security and delivery purposes. We do not use this data to identify or profile visitors.

Third-party links

Pages on this site link to external sources such as myFICO, the CFPB, and AnnualCreditReport.com. Those sites have their own privacy practices, which we do not control.

Children

This site is not directed at children under 13 and we do not knowingly collect information from them.

Changes

If this policy changes, the updated version will be posted here with a new effective date.

Contact

Questions about this policy? Use the contact form.