Effective Date: May 11, 2026
This Privacy Policy explains how BorrowerRights.com, Middle Credit Score®, MiddleCreditScore.com, and affiliated platforms operated by Consumer Funnels LLC and/or Middle Credit Score® LLC collect, use, protect, disclose, and manage information provided by consumers who access our websites, educational tools, credit-related resources, borrower education materials, and mortgage readiness information.
This Privacy Policy is intended to cover the BorrowerRights.com educational platform, Middle Credit Score® related services, consumer credit score access workflows, borrower education tools, mortgage readiness resources, and any future integrations that may allow consumers to obtain, review, or better understand their credit scores, including their Middle Credit Score®.
By using this website, submitting information, accessing educational resources, requesting credit-related information, or using any services connected to BorrowerRights.com or Middle Credit Score®, you agree to the practices described in this Privacy Policy.
BorrowerRights.com was created to help consumers better understand borrower rights, mortgage disclosures, fair lending awareness, predatory lending risks, credit report education, financial positioning, and the role a borrower’s Middle Credit Score® may play in mortgage-related decisions.
Middle Credit Score® is designed to help consumers better understand the middle score commonly used in mortgage lending evaluation. Our services may include educational resources, score-related explanations, mortgage readiness tools, borrower positioning information, certification content, and third-party credit data access where authorized by the consumer.
We may collect information that you voluntarily provide when using our websites, submitting forms, requesting resources, registering for educational materials, checking your Middle Credit Score®, participating in certification programs, or communicating with us.
This information may include:
If you choose to access credit score information, obtain your Middle Credit Score®, or use credit-related educational tools, we may collect, process, display, or receive certain credit-related information either directly from you or through authorized third-party providers.
This may include:
Any credit-related information is provided for educational and borrower-awareness purposes only unless otherwise clearly stated. Middle Credit Score® does not guarantee mortgage approval, credit approval, loan terms, interest rates, or lender decisions.
We may work with third-party credit data providers, verification providers, credit bureaus, technology vendors, or API service providers to allow consumers to access credit-related information. These providers may include, but are not limited to, Equifax, Experian, TransUnion, or other authorized consumer reporting or data service providers.
When you authorize access to credit-related data, you may be required to agree to additional third-party terms, identity verification requirements, authentication steps, or data access disclosures. We do not control the privacy practices of third-party providers and encourage consumers to review their applicable privacy policies.
We may use collected information to:
BorrowerRights.com and Middle Credit Score® provide educational information only. We are not a lender, mortgage broker, credit repair organization, financial advisor, law firm, or credit counseling agency unless expressly stated in a separate written agreement.
Information provided through our websites should not be considered legal advice, mortgage advice, credit repair advice, financial advice, underwriting guidance, or a guarantee of any lending outcome.
We do not approve loans, deny loans, issue credit, set mortgage rates, underwrite mortgage applications, or make lender decisions. Any mortgage or credit decision is made solely by the applicable lender, creditor, or financial institution according to its own guidelines, underwriting standards, pricing models, and regulatory obligations.
We may share information only as necessary to operate our services, fulfill consumer requests, comply with legal obligations, or support authorized third-party integrations.
Information may be shared with:
We do not sell consumer personal information for unrelated third-party marketing purposes.
Our websites may use cookies, pixels, analytics tools, tracking technologies, and similar technologies to improve website performance, understand visitor behavior, support marketing efforts, remember user preferences, and improve the consumer experience.
You may disable cookies through your browser settings, although some website features may not function properly if cookies are disabled.
We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or misuse.
These safeguards may include:
No system can be guaranteed to be completely secure. Consumers should use caution when submitting sensitive information online.
We retain information only as long as reasonably necessary to provide services, fulfill legal or business obligations, resolve disputes, maintain records, support security functions, and comply with applicable laws.
Credit-related information may be retained for limited periods depending on the service used, consumer authorization, contractual requirements, legal obligations, and operational needs.
Depending on your location and applicable law, you may have certain rights regarding your personal information, including the right to:
To submit a privacy request, contact us using the information listed below.
If you provide your email address, we may send educational resources, service updates, account-related communications, borrower education materials, score-related information, or marketing communications where permitted.
You may unsubscribe from marketing emails at any time by using the unsubscribe link included in the email or by contacting us directly.
Our websites and services are not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that information has been collected from a child under 13, we will take reasonable steps to delete it.
Our websites may link to external websites, government resources, credit bureaus, lenders, service providers, educational resources, or third-party platforms. We are not responsible for the privacy practices, content, accuracy, security, or policies of third-party websites.
Where credit-related information is accessed through authorized providers, the use of such information may be subject to federal and state laws, including the Fair Credit Reporting Act and other applicable consumer protection laws.
Consumers may have additional rights directly through consumer reporting agencies, credit bureaus, lenders, or other data providers. BorrowerRights.com and Middle Credit Score® do not replace a consumer’s rights under applicable credit reporting laws.
Middle Credit Score® information, mortgage readiness education, borrower rights content, and credit-related educational tools are provided for informational purposes only. Scores, pricing, approvals, loan terms, lender requirements, credit models, and underwriting standards may vary by lender, loan program, bureau, scoring model, timing, and individual borrower profile.
Consumers should review all mortgage disclosures, credit reports, loan estimates, closing disclosures, lender communications, and legal documents carefully before making financial decisions.
To the fullest extent permitted by law, BorrowerRights.com, Middle Credit Score®, MiddleCreditScore.com, Consumer Funnels LLC, Middle Credit Score® LLC, and affiliated parties are not liable for decisions made by consumers, lenders, credit bureaus, service providers, or third parties based on information accessed through our websites or services.
We do not guarantee the accuracy, completeness, availability, or outcome of any third-party credit data, lender decision, mortgage result, or financial transaction.
We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date. Continued use of our websites or services after updates are posted means you accept the revised Privacy Policy.
If you have questions about this Privacy Policy, your information, or your privacy rights, you may contact us at:
Middle Credit Score® LLC
2487 S. Gilbert Rd., Suite 236
Gilbert, AZ 85295
Email: support@MiddleCreditScore.com
You may also contact us through the applicable website contact form on BorrowerRights.com or MiddleCreditScore.com.
You have the right to accurate information, fair treatment, and transparency.
Understanding your credit profile helps you make better decisions.
Clarity before you apply leads to better outcomes and fewer surprises.