Credit Lift AI Privacy Policy

Last updated: June 15, 2026

Credit Lift AI is a free personal credit dispute assistant. This policy explains how the app handles your information.

What we collect

• Credit report text you import — processed on your device to flag disputable items. SSN and full account numbers are redacted before any AI review.
• Dispute letters and notes — stored locally on your phone or computer.
• Profile info you enter (name, address) — stored locally for letter templates.
• OpenAI API key (optional) — stored locally on your device if you choose to add one. The app sends redacted report excerpts to OpenAI only when you run analysis or chat with AI enabled.

What we do not do

• We do not sell your personal credit data.
• We do not run in-app ads or analytics trackers.
• We do not store your data on Credit Lift AI servers — there is no cloud account.

Affiliate links

The app is free. The Build credit section may include links to third-party secured cards or credit-builder products. If you apply through those links, the developer (Draugr Inc.) may earn a commission at no extra cost to you. We do not receive your credit report or dispute data through those links. Affiliate partners have their own privacy policies.

Third parties

If you add an OpenAI API key, report excerpts (with sensitive fields redacted) are sent to OpenAI for analysis per their privacy policy. Bureau dispute websites and affiliate partner sites open in your browser when you choose to visit them.

Children

Credit Lift AI is not intended for users under 18.

Disclaimer

Credit Lift AI is not a law firm, credit repair organization, or financial advisor. It is a tool to help you organize disputes. You are responsible for reviewing all letters before sending.

Contact

For privacy questions: support@draugerinc.com · Draugr Inc.