Summit Judgement Recovery

Effective Date: May 17, 2025

Summit Judgement Recovery is committed to full compliance with the Fair Credit Reporting Act (FCRA) (15 U.S.C. § 1681 et seq.), which governs the access, use, and handling of consumer credit and personal information.

Permissible Purpose

We access consumer information (including address history, employment data, and financial records) only under a valid “permissible purpose” as defined by the FCRA, specifically:
“To enforce a judgement pursuant to a court order or legal obligation.”
(See FCRA § 604(a)(3)(A), (F), and (E))
This includes the lawful use of skip tracing tools and data providers to locate judgement debtors, assets, or employers for enforcement purposes.

Data Use Limitations

We do not access or use consumer data for marketing, lending, or tenant screening purposes.
We strictly limit the use of credit and identifying information to enforcement activities such as wage garnishment, asset location, and legal filings related to assigned judgements.
We do not resell, share, or distribute consumer information except to necessary legal entities (e.g., courts, attorneys, or process servers).

Access Controls and Employee Training

Only authorized personnel with a legitimate business need have access to consumer information.
All employees and contractors handling FCRA-regulated data receive training on FCRA responsibilities, data security, and ethical use of consumer information.

Data Security

Summit Judgement Recovery maintains administrative, physical, and technical safeguards to protect all consumer information in compliance with FCRA requirements and vendor agreements. See our Data Security Plan for more detail.

Consumer Rights

Consumers whose information may be accessed for judgement enforcement purposes retain all rights under the FCRA, including the right to:
Be notified of data use when applicable
Dispute inaccurate information with the source or consumer reporting agency
Request disclosure of what data was accessed and for what purpose (if legally required)

Third-Party Vendors

We work only with data vendors (e.g., skip tracing platforms) that are FCRA-certified and who require identity verification and compliance agreements prior to data access.

Contact for FCRA Inquiries

If you have questions regarding our FCRA compliance practices, please contact:
Summit Judgement Recovery
info@summitjudgementrecovery.com
800.274.7715