Effective date: October 11, 2026

Scope Credit is a brand operated by Altiora Realty LLC ("Scope Credit", "we", "us"). This Privacy Policy explains what information we collect through scopecredits.com, how we use it, and the choices you have. By using this website or submitting our forms, you agree to this Policy.

Information we collect

- Contact information you provide in our forms: name, phone number, and email address.

- Information you share about your situation, such as your credit-related answers, your home-buying timeframe, and any messages you exchange with us by text message, chat, or phone.

- Basic technical information from your visit, such as your IP address, browser type, and pages viewed.

How we use your information

- To provide the free credit evaluation you requested and to prepare a plan to help you become mortgage-ready.

- To contact you about your evaluation, appointments, and follow-up, including by text message and phone call.

- To operate, maintain, and improve our website and services.

- To comply with legal obligations.

Text messaging

When you submit our form and check the consent box, you agree to receive text messages from Scope Credit about your credit evaluation and appointment reminders. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time and HELP for help. Consent to receive text messages is not a condition of any purchase.

Sharing your information

We do not sell your personal information. We share information only with service providers that help us operate (for example, our CRM and messaging providers) and when required by law. If you choose to view your credit through a third-party portal linked from our communications, your use of that portal is governed by that provider's own privacy policy.

Data security and retention

We use reasonable administrative and technical safeguards to protect your information. We keep your information only as long as needed to provide our services or as required by law.

Your choices

You may opt out of text messages at any time by replying STOP. To ask what information we have about you, or to request corrections or deletion, contact us by phone at (469) 388-0220.

Changes to this Policy

We may update this Policy from time to time. The current version will always be posted on this page with its effective date.

Contact

Scope Credit (Altiora Realty LLC), Melissa, Texas. Phone: (469) 388-0220. Website: scopecredits.com.