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MyCreditLift, LLC (“MCL” or “we”) collects and uses personal information (“Information”) about individuals, including individuals who are enrolled in a Credit Reporting Program (“Program”) for which MyCreditLift serves as a furnisher of data (the “Services”), individuals enrolled in a Program who wish to withdraw therefrom, individuals who wish to opt-out of a Program prior to the furnishing of any data, clients, and prospective clients (“you”). 


With respect to individuals who are enrolled in a Program (“Tenants”), we collect Information about timely payment of monthly rent for which they are obligated under a lease (“Lease”) and report that Information to Equifax, Experian, and/or TransUnion, each of which is a Credit Reporting Agency (“CRA”).  This process is generally referred to as data furnishing, and we are a Data Furnisher within the meaning of the Fair Credit Reporting Act.  The reporting of Information, therefore, is at the core of the Services to which enrolled individuals consent.  Such consent can be withdrawn, on this website, at any time for any reason or no reason.


Further information regarding our Services can be found at  Further information regarding what Credit Report Agencies do with the information furnished to them can be found on the websites of Equifax, Experian, and Transunion, respectively.  


We are committed to your privacy – to handling the Information we collect with care and complying with applicable privacy and data protection laws. In connection with our privacy practices, note that:


  • We collect and, where needed, disclose information solely to enable the lawful conduct of our business and not for any other reason

  • We have not sold and do not sell any of the Information we collect


This Privacy Policy should be read in conjunction with the Terms and Conditions, which are also available on this website.




We collect different types of information depending on our relationship with you.  Generally speaking, we collect information related to (i) clients and prospective clients, who are, for the most part, property owners and property managers (sometimes referred herein as “Landlords,” whether or not they qualify as a landlord under applicable law in any particular jurisdiction), and (ii) tenants of our clients, that is, individuals who have entered into an lease agreement for residential housing that is owned or managed by a client (“Tenants”). 


     Clients and Prospective Clients


For clients and prospective clients, we collect from you information related to individuals and their business(es), which can include publicly available contact details, current and historical; identifying details, including dates of birth; government identification numbers, including social security numbers; tax identification numbers, including employment identification numbers; professional activities, current and historical; interactions with government authorities; and financial details, including account numbers.


For clients and prospective clients, we also collect information from third parties consisting of publicly available contact details and professional activities.


For clients and prospective clients, we do not collect credit card numbers or health related information.


     Tenants of our Clients


For Tenants enrolled in a Program, we collect from Landlords information including names, dates of birth, addresses, residential community names and identification numbers, monthly rent obligation, and the timing and timeliness of monthly rent payments.  For Tenants who do not want to enroll in a Program, either from the inception of their lease or any time thereafter, we collect on this website names, addresses, residential community names. 


For Tenants, we do not collect information such as social security numbers, driver’s license numbers, credit card numbers, financial account numbers, or health related information.




We use different types of information in different ways, depending on our relationship with you.


     Clients and Prospective Clients


We use your information in conformity with applicable law to provide the services for which you have contracted with us, to determine the nature of our business relationship with you, to credential you as required by a Credit Reporting Agency (“CRA”), to help us identify which of our services may be suitable for you, and to comply with legal obligations for record-keeping.


We disclose your information in conformity with applicable law as follows:


  • To government authorities, for the purpose of (i) applying for licenses, permits, certifications, or authorizations (“Licenses”) that you seek for the purposes of conducting business and (ii) maintaining compliance with applicable laws, rules, and regulations

  • To CRAs, upon request

  • To third party service providers, to facilitate the conduct of your business

  • In response to court orders, subpoenas, or similar governmental requirements 

  • To defend our legal rights and the rights of our officers, employees, and customers


We may use your information to contact you directly in relation to services that we offer.  We do not sell your information.




We use your information in conformity with applicable law and subject to your consent to report your lease payments to one or more of the CRAs and to process your opt-out requests.


We disclose your information in conformity with applicable law as follows:


  • To CRAs, subject to your consent

  • To third parties who assist with the processing and formatting of your information for reporting to CRAs

  • In response to court orders, subpoenas, or similar governmental requirements 

  • To defend our legal rights and the rights of our officers, employees, and customers


We do not sell products or services directly to individual consumers and we will not contact you for that purpose.  We do not buy or sell your information.




We maintain several different websites and portals (“sites”) in connection with our business, and collect information through these sites.  We, or the third parties that provide functionality, may collect certain information automatically when you visit these sites, such as your Internet protocol (IP) address, device and advertising identifiers, browser type, operating system, internet service provider (ISP), the date and time of your visit, information about the links you click, the pages you view, the general manner in which you navigate the site, and other standard server log information.  We may also collect automatically certain location information when you use these sites, such as your computer’s IP address, your mobile device’s GPS signal, or information about nearby WiFi access points and cell towers.  We and third parties that provide content or functionality for our sites this sit may use cookies, pixel tags, Local Shared Objects, and similar technologies to automatically collect this information.


We do not make use of or sell the information collected automatically as described in the previous paragraph. 




Information provided to us by your Landlord is encrypted upon receipt.  Depending on your Landlord’s property management software, your information may be sent to us or retrieved directly from the software through an application programming interface.  Once received and encrypted, it is reformatted in conformity with the CRA’s reporting requirements.  It is then uploaded directly through gateways provided by each CRA.   




Under the California Consumer Privacy Act ("CCPA"), California residents have the following rights: (1) the right to know, which is the right to request that we disclose information about, or a copy of, the types of personal information we collect, use, and disclose about them; (2) the right to delete, which is the right to request that we delete personal information that is collected or maintained by us; and (3) the right to non-discrimination, which is the right to be free from discrimination for exercising any consumer rights under the CCPA. We may limit our responses to any requests under the CCPA as permitted by law. For example, we need to maintain certain information to provide our services to you or for legal and compliance purposes.




If you have any questions about this policy, or which to exercise your rights under the CCPA or any other applicable law, please contact us directly at

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