Privacy Policy

📜 Privacy Policy for BK Aftermath

Effective Date: 05/01/2026
Last Updated: 05/19/2026

At BK Aftermath, your privacy is important to us. We are committed to protecting the confidentiality of your personal, financial, and legal information. This Privacy Policy outlines how we collect, use, share, and protect your data—including how we report eligible payment activity to credit reporting agencies to assist in rebuilding your credit after a bankruptcy filing.

1. Who We Are

BK Aftermath is a credit reporting service that partners with bankruptcy law firms and their clients to help individuals rebuild their credit post-bankruptcy by reporting consistent, on-time payments made to the law firm or through agreed-upon financial arrangements.

2. Information We Collect

We collect the following types of information directly from clients or from our partnering law firms (with proper authorization):

  • Full legal name, date of birth, mailing address
  • Social Security Number or Tax Identification Number
  • Bankruptcy filing details (chapter filed, case number, court district)
  • Payment agreement terms and payment history made through the firm
  • Contact information (email, phone)
  • Consent documentation for credit reporting

3. How We Use Your Information

We use your information to:

  • Facilitate credit reporting to assist in rebuilding your credit profile
  • Track and verify ongoing payments under your bankruptcy plan or post-bankruptcy arrangements
  • Maintain internal account records and customer support logs
  • Communicate with you regarding reporting status and updates
  • Ensure compliance with federal and state credit reporting laws

4. Credit Reporting Disclosure

With your informed and written consent, BK Aftermath may report your qualifying payment activity to one or more of the major credit bureaus: Equifax, Experian, and TransUnion.

  • Payments reported may include on-time, late, or missed payments based on your agreement with the participating law firm.
  • Reporting is conducted using the industry-standard Metro 2 format and in compliance with the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transactions Act (FACTA).
  • BK Aftermath only reports payments related to authorized agreements and does not report any additional financial activity not managed or tracked through our system.

You may revoke your consent to participate in our credit reporting service at any time by submitting a written request. Data already submitted to the bureaus cannot be retroactively removed unless proven inaccurate.

5. How We Share Your Information

We do not sell, rent, or lease your information to any third parties. Your data may only be shared under the following conditions:

  • With major credit bureaus for the purpose of credit reporting (with your written consent)
  • With your authorized bankruptcy law firm, for account verification and support
  • With secure third-party vendors contracted to provide encrypted transmission or database services
  • With regulators or legal authorities if required by law, subpoena, or court order

6. Data Security

BK Aftermath takes security seriously and implements industry-standard safeguards to protect your personal and financial data:

  • Encrypted storage and transmission protocols (including secure FTP)
  • Physical and digital access restrictions for sensitive information
  • Staff training on FCRA and data handling policies
  • Regular reviews and updates to our cybersecurity infrastructure

7. Disputes & Corrections

If you believe that any credit information reported by BK Aftermath is inaccurate:

  • Contact us directly to initiate a dispute
  • We will investigate your claim and respond within 30 days
  • If an error is confirmed, we will promptly update and correct the information with the relevant credit bureau(s)

8. Your Rights

You have the right to:

  • Request access to the information we’ve collected about you
  • Request correction of inaccurate or outdated data
  • Revoke consent to credit reporting at any time (future reporting only)
  • File a complaint with the Consumer Financial Protection Bureau (CFPB) or Utah Division of Consumer Protection if you believe your rights have been violated

9. Contact Us

If you have questions about this Privacy Policy or wish to submit a data access or correction request, please contact us:

BK Aftermath
www.bkaftermath.com