What we know about this broker
CIC Mortgage Credit Inc. is a FCRA-regulated specialty consumer reporting agency (CRA) serving mortgage lenders via Goodlettsville, TN. Privacy Rights Clearinghouse explicitly lists "Data Broker Allows Opt-Out: No" for this company. The seed opt_out_url (optoutprescreen.com) is the industry-wide FCRA prescreened-offers opt-out shared by all major CRAs; it does not remove a consumer record from CIC's mortgage credit report database. For direct consumer requests, CIC provides [email protected] (disputes) and general contact [email protected]; seed lists [email protected] as the privacy contact. No dedicated DSR form or CCPA portal was found on ciccredit.com as of 2026-06-16. FCRA governs access rights (free annual disclosure) and dispute procedures rather than deletion. Requests should be sent by email with full name, address, DOB, and last-4 SSN redacted. Homebuyers Privacy Protection Act (signed Sep 2025, effective Mar 4 2026) now restricts mortgage trigger-lead sales; opt-in required from consumers. Tier 3 / manual because no self-service opt-out portal exists and removal cannot be independently verified. Confirmed 2026-06-16.
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