Mandatory Disclosures

Selah Slate is a free educational tool. We do not charge any fee, we do not accept any compensation, and we do not act on your behalf with any credit bureau, creditor, collector, or government agency. You mail every letter, you communicate with every bureau, and you stay in control of every decision.

Because of this, the Credit Repair Organizations Act (CROA, 15 U.S.C. § 1679 et seq.) does not apply to Selah Slate. Nonetheless, in the spirit of full transparency we adopt its consumer-protection disclosures below as our own.

The federal Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) gives every consumer the following baseline rights. Selah Slate is built to help you exercise them.

• You have the right to know what is in your file. You may request disclosure of the information in your consumer file from a credit reporting agency (§ 609).
• You have the right to dispute incomplete or inaccurate information. The bureau must investigate within 30 days of receiving your dispute unless it deems the dispute frivolous (§ 611).
• You have the right to have inaccurate, incomplete, or unverifiable information corrected or deleted (§ 611(a)(5)(A)).
• You have the right to a free credit report every 12 months from AnnualCreditReport.com (§ 612).
• You have the right to place a fraud alert or a free credit freeze (§§ 605A, 605B).
• You may sue for violations of the FCRA (§§ 616, 617).

The full "Summary of Your Rights Under the Fair Credit Reporting Act" is available from the CFPB at files.consumerfinance.gov .

FCRA § 611(a)(3)(A) allows a bureau to terminate an investigation if it reasonably determines the dispute is frivolous or irrelevant. In practice, bureaus often flag batches of 6 or more similar items as frivolous — especially when generated in rapid succession — and send a "stall letter" rather than investigating.

To protect your dispute from being dismissed outright, Selah Slate caps each round at five items. After the bureau responds (or after the 30-day window elapses), you can run the next round. This is the same approach used by legitimate consumer-protection attorneys.

If a credit reporting agency, furnisher, collector, or creditor violates your FCRA rights, you can file a free complaint with the Consumer Financial Protection Bureau. Selah Slate will walk you through it, but you can also file directly at consumerfinance.gov/complaint .

• Encryption in transit — all traffic is protected with HTTPS / TLS 1.2+.
• Encryption at rest — the last 4 digits of your SSN are stored encrypted (AES-256).
• Password hashing — passwords are hashed with bcrypt; they are never stored in plain text and cannot be read by our team.
• Ephemeral PDF processing — uploaded credit-report text is sent for AI analysis, parsed into structured items, and then deleted from our servers within minutes. The original file is never retained.
• Strict HTTP security headers — HSTS with preload, X-Frame-Options DENY, strict Content-Security-Policy, nosniff, and a restrictive Permissions-Policy, applied to every response.
• No third-party tracking — no advertising identifiers, no cross-site trackers, no data broker sharing.
• No training on your data — all AI calls are under a no-training agreement; your report text is never used to train any model.
• Right to deletion — one click in Settings permanently removes your account and every record tied to it within 30 days.

No one — not Selah Slate, not a lawyer, not a credit-repair company — can guarantee that a specific item will be removed from your credit report or that your credit score will improve by a specific amount. Any company that makes such a promise is operating outside the law.

Questions about these disclosures? privacy@selahandstonelegacy.com