FACTS
WHAT DOES ASCENDER CREDIT SERVICES DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Under federal law, that means personally identifiable 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.
What?
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 employment information
- Account balances, transaction history and credit information
- Personal Identification information
How?
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 Ascender Credit chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Ascender Credit share? |
Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes — such as to process your transactions, maintain your account(s), communicate with creditors, communicate with affiliates, or communicate with the credit bureaus | Yes | No |
| For our marketing purposes — with service providers we use to offer our products and services to you (please see below to limit the ways we contact you) | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes — information about your progress, transactions and experiences (e.g. with your Loan Officer, Underwriter or Mortgage Banker) | Yes | No |
| For our affiliates’ everyday business purposes — information about your creditworthiness | Yes | Yes |
| For nonaffiliates to market to you — for credit card accounts, installment loans, auto loans | Yes | Yes |
| For nonaffiliates to market to you — for accounts and services endorsed by another organization (e.g., credit card co-branded with a baseball team) “Sponsored Accounts” | Yes | Yes |
| For nonaffiliates to market to you — for accounts other than credit card accounts and Sponsored Accounts, such as insurance, investments and deposit | No | We don’t share |
To limit our sharing
- Visit us online: https://ascendercredit.com/privacy-policy/
- Talk to your Ascender Credit Specialist
Please note: If you are a new customer, we can begin sharing your information 45 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.
To limit direct marketing contact
- Visit us online: https://ascendercredit.com/privacy-policy/
- Talk to your Ascender Credit Specialist
Please Note: Direct marketing is email, postal mail and telephone marketing. Your telephone and postal mail opt-out choices will last for five years, subject to applicable law. Even if you limit direct marketing, we may still contact you to service your account or as otherwise allowed by law.
Questions?
Go to https://ascendercredit.com/privacy-policy/
Who we are
Who is providing this notice? Ascender Credit Services
What we do
How does Ascender Credit Services 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 Ascender Credit Services collect my personal information? We collect your personal information, for example, when you:
- Apply for a credit analysis
- Seek consultation from an Ascender Credit Specialist
- Enroll in our credit repair program
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 some but not all sharing related to:
- Affiliates’ everyday business purposes—information about your creditworthiness
- Affiliates from using your information to market to you
- Nonaffiliates to market to you
State laws and individual Ascender Credit Services may give you more rights to limit sharing. See Other important information section for your rights under state law. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to you alone unless you tell us otherwise. If you have more than one account or Sponsored Account and you choose to opt out, you will need to do so for each account.
Definitions
Affiliates Companies related by common ownership or control. They can be Financial and nonfinancial companies.
- Our affiliates include companies that utilize the names Ascender Credit Services, Ascender Credit or Ascender. In addition to any mortgage bank, mortgage lender, mortgage broker, realtor, or any company referring you to Ascender Credit Services.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Nonaffiliates we share with can include financial services companies such as insurance agencies, nonfinancial companies such as retailers, travel companies and membership groups; and other companies such as nonprofit groups.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include financial services companies.
Other Important Information
Do Not Call Policy. This notice is the Ascender Credit Services Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. Ascender Credit Services employees receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from Ascender Credit Services will be placed on the Ascender Credit Services Do Not Call list and will not be called in future campaigns, including those of Ascender Credit Services affiliates.
Call Monitoring and Recording. If you communicate with us by telephone, we may monitor or record the call.
California: Under California law, we will not share information we collect about you with companies outside of Ascender Credit Services, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.
Rev 06/2022
