Regulatory Disclosures

India — DPDP Act & CIC Act

CredAnchor complies with the following Indian regulations:

• Digital Personal Data Protection (DPDP) Act, 2023: We process your personal data only with explicit, freely given consent. PAN data is encrypted at rest (AES-256) and in transit (SSL/TLS). You have the right to access, correct, and delete your data at any time.
• Credit Information Companies (Regulation) Act, 2005: We pull credit reports only under your authorisation and with OTP verification. We dispute inaccurate information through the channels prescribed by CIBIL, Experian, Equifax, and CRIF Highmark.
• RBI Guidelines: We are not a Non-Banking Financial Company (NBFC) and do not engage in lending. We do not collect or handle settlement funds — you pay creditors directly.

United States — FCRA & FDCPA

• Fair Credit Reporting Act (FCRA): We help consumers exercise their rights under § 611 (dispute procedure) and § 609 (disclosure of file contents). We do not guarantee the removal of accurate, verifiable, and timely information from credit reports.
• Fair Debt Collection Practices Act (FDCPA): When negotiating with collection agencies, we ensure all communications comply with FDCPA prohibitions on harassment, false representations, and unfair practices.
• Credit Repair Organizations Act (CROA): We do not charge upfront fees before services are rendered. Payment is collected per trade line only after you approve a custom dispute proposal. Our no win, no fee guarantee is provided in writing.

European Union / UK — GDPR

We follow GDPR principles for EU and UK clients, including:

• Lawful, fair, and transparent processing of personal data
• Data minimisation — we collect only what is necessary for credit repair
• Right to access, rectify, erase, and port your data
• Right to withdraw consent at any time
• No automated decision-making or profiling is performed on your data

UAE — AECB & PDPL

We work with the Al Etihad Credit Bureau (AECB) for UAE-based clients and comply with the UAE Personal Data Protection Law (PDPL) for data handling and processing.

What CredAnchor Is Not

• We are not a credit counselling agency as defined under RBI guidelines
• We are not a lender, NBFC, or financial institution
• We are not a licensed legal practitioner and do not provide legal advice or represent clients in court
• We are not a credit bureau and cannot modify your report directly — we file disputes through official bureau channels
• We are not a debt management agency and do not take custody of your funds

No Guarantee of Results

CredAnchor does not guarantee the removal of any specific item from your credit report or the achievement of any specific credit score. Outcomes depend on your individual credit profile, the accuracy of the information being disputed, and the response of credit bureaus and creditors. What we do guarantee: if a dispute we file does not resolve in your favour, you receive a full refund for that trade's fee within 48 hours of verification. See our Refund Policy for details.

Data Security Statement

• PAN/SSN is encrypted at rest using AES-256 encryption
• All data transmission uses SSL/TLS (HTTPS)
• Access to your file is restricted to your assigned analyst and the founder
• Bureau report pulls require your OTP — we cannot access your file without you
• Your data is never sold, shared, or rented to third parties

Contact

For regulatory or compliance questions:
Email: hello@credanchor.com
Phone: +91-8860554021
Address: Noida Sector 41, Uttar Pradesh — 201303, India