MILLENNIUM BUDGET CONSULTING
PRIVACY
&
POLICY
www.milleniumbudget.com
Overview
Millennium Budget Consulting ("MBC," "we," "us," or "our") is a full-service financial education and credit repair firm headquartered in Oklahoma City, Oklahoma. We operate under the trade name MBC Financial Rescue and as a GSA Financial Literacy Foundation Company. MBC is licensed under the Oklahoma Credit Services Organization Act (Title 24 O.S. §§ 131–148) and operates in compliance with the Federal Credit Repair Organizations Act (15 U.S.C. §§ 1679 et seq.).
This Privacy Policy describes how we collect, use, share, and protect personal information when you visit our website at millenniumbudget.com, enroll in any of our services, or interact with our platform, tools, or community resources.
By using our website or services, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of our services.
Information We Collect
We collect information in the following ways:
Information you provide directly:
Full name, address, email address, and phone number
Date of birth and Social Security Number (required for credit services pursuant to identity verification requirements under the FCRA)
Government-issued identification documents (driver's license, state ID, Social Security card)
Proof of address (utility bill, bank statement)
Payment and billing information (processed securely through our payment processor)
Credit report data provided to or obtained through our portal system (DisputeProcess)
Communications submitted through our client portal, contact forms, or email
Information you provide directly:
Device and browser type, IP address, and usage data when you visit our website
Cookies and similar tracking technologies to improve site functionality
Referral source and affiliate tracking identifiers
Information from third-party platforms:
SmartCredit® score and account data (when you connect your SmartCredit account to our program)
MBC Money Hub account data at millenniumbudget.moretomoney.com (financial account information you connect voluntarily)
Credit reporting agency data obtained through the dispute process on your behalf
How We Use Your Information
We use the information we collect to:
Provide, operate, and improve our credit repair, financial education, and counseling services
Process enrollments, payments, and billing under your selected plan (Blueprint at $97/mo, Restore at $197/mo, or Elevate at $297/mo)
Dispute inaccurate, unverifiable, or outdated information on your credit reports on your behalf across all three credit bureaus (Equifax, Experian, TransUnion)
File CFPB complaints and prepare legal referral documentation where applicable
Communicate dispute status, progress reports, score updates, and account correspondence
Provide access to our client portal, MBC Academy (academy.millenniumbudget.com), MBC Money Hub (millenniumbudget.moretomoney.com), and community resources
Send educational content, challenge materials, and program-related communications
Comply with our legal obligations under the Oklahoma Credit Services Organization Act, the Federal Credit Repair Organizations Act, and other applicable law
Maintain dispute and client records as required by Oklahoma law (minimum 4 years per Title 24 O.S. § 142)
Respond to inquiries, support requests, and portal messages
Track referral and affiliate commission activity
Prevent fraud and protect the security of our platform and clients
Use of Your Personal Information
By submitting personal information, you authorize Millennium Budget Consulting,
as well as our affiliated schools and partners, to contact you in accordance with all applicable
laws by phone, text messages, email, or mail regarding education options or related topics. If
you receive email communications from us, a school, or a third party, you may unsubscribe through an opt-out link in the email that will
remove you from any further mailings
from that sender.
By utilizing, Millennium Budget Consulting you acknowledge and agree that the
automatic information collected on our website may be shared with schools, affiliated companies,
and third parties for the purpose of providing information about degrees, programs, and other
education-related products and services. You also acknowledge and agree that we retain the right
to release any collected information, including personally identifiable information, to businesses
providing our company with administration services (such as an email delivery service). Through this
action, you grant us, our affiliates, and partners and vendors the right to contact you for a period
of time, and relinquish any rights granted to you by the Do Not Call list or other applicable law. Your
submission serves as an omission to Do Not Call requirements established by state and federal governments and may exempt us from other applicable laws.
We retain the right to release your personal information when required to do so by
law. For example, we may do this to abide by a subpoena or other legal procedure, when we
believe it is necessary to preserve our rights, to ensure the safety of you or others, to explore
alleged fraud, to reply to a government or legal request, and/or in the instance that
Millennium Budget Consulting are merging, in the acquisition, or selling some or
all of its assets to a third party.
How We Share Your Information
We do not sell your personal information. We share information only in the following circumstances:
Credit bureaus and data furnishers — to conduct dispute, investigation, and escalation activities on your behalf
Consumer Financial Protection Bureau (CFPB) — when filing complaints on your behalf as part of the dispute process
Legal referral partners — including LegalShield and local consumer rights attorneys, when FCRA violations are identified and a legal referral is appropriate, with your knowledge
Service providers — including DisputeProcess (our client portal platform), payment processors, and email service providers, who are contractually required to protect your information
SmartCredit® — as a required add-on for all active clients ($5.97 trial, then from $19.95/mo), your score and account data is governed by SmartCredit's own privacy policy
MBC Money Hub — financial data you connect to millenniumbudget.moretomoney.com is governed by that platform's privacy terms
NotaryFox — remote notarization service used for Power of Attorney documents required for Restore and Elevate plan clients
Affiliates and referral partners — only to the extent necessary to track and process referral commissions; client personal information is not disclosed to affiliates
Law enforcement or regulatory authorities — when required by law, court order, or to comply with our obligations under applicable state and federal regulations
Business successors — in the event of a merger, acquisition, or sale of assets, with notice to clients
Credit Information & FCRA Compliance
As a licensed Credit Services Organization operating under the Oklahoma Credit Services Organization Act and the Federal Credit Repair Organizations Act, we handle consumer credit information with the highest level of care. Specifically:
We collect your Social Security Number and personal identifying information solely to perform credit repair services on your behalf
Credit report data is accessed and used only for the purpose of identifying and disputing inaccurate, unverifiable, or outdated information
We maintain all client dispute records, bureau correspondence, CFPB complaint records, and creditor communications for a minimum of 4 years as required by Oklahoma law
We will never advise you to make false statements to any credit reporting agency or creditor, in compliance with 15 U.S.C. § 1679b(a)
Consumer financial information is protected under federal law including the Gramm-Leach-Bliley Act and applicable Oklahoma privacy statutes
Data Security
We implement administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, alteration, and destruction. These measures include:
Secure, encrypted client portal (DisputeProcess) for document upload and communication
Restricted access to personal and financial data on a need-to-know basis
Secure payment processing — we do not store full payment card numbers on our systems
Staff training on client data privacy and confidentiality
No method of transmission over the internet or electronic storage is 100% secure. While we use commercially reasonable means to protect your information, we cannot guarantee absolute security. If you believe your information has been compromised, please contact us immediately.
Cookies & Tracking Technologies
Our website uses cookies and similar technologies to improve your browsing experience, analyze site traffic, and support marketing and advertising efforts. We may use:
Essential cookies — necessary for the website to function properly
Analytics cookies — to understand how visitors use our site (e.g., Google Analytics)
Marketing pixels — including Facebook Pixel and LinkedIn Pixel to measure advertising effectiveness
Affiliate tracking cookies — to track referrals and commissions for our partner program
You may disable cookies through your browser settings. Disabling certain cookies may affect the functionality of our website. Our site does not respond to "Do Not Track" signals at this time.
Your Rights & Choices
You have the following rights regarding your personal information:
Access — you may request a copy of the personal information we hold about you
Correction — you may request correction of inaccurate information
Deletion — you may request deletion of your personal information, subject to our legal record-keeping obligations (we are required to retain dispute records for a minimum of 4 years under Oklahoma law)
Opt-out of marketing — you may unsubscribe from marketing emails at any time using the unsubscribe link in any email we send
Cancellation — you have an unconditional right to cancel your credit repair services agreement within 3 business days of signing, as required by the Oklahoma Credit Services Organization Act (Title 24 O.S. § 137)
To exercise any of these rights, please contact us using the information below.
Third-Party Links & Services
Our website and program materials contain links to third-party services including SmartCredit® (smartcredit.com), MBC Money Hub (millenniumbudget.moretomoney.com), NotaryFox, LegalShield, and our 14 vetted credit building and financial partners accessible through the client portal Resources tab. These third-party services have their own privacy policies which govern their collection and use of your data. MBC is not responsible for the privacy practices of third-party services. We encourage you to review the privacy policies of any third-party service you use through or in connection with our program.
Children's Privacy
Our services are intended for adults aged 18 and older. We do not knowingly collect personal information from individuals under the age of 18. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete such information.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, services, or applicable law. We will post the updated policy on our website with a revised effective date. For material changes, we will provide notice through our client portal or by email. Your continued use of our services after any such changes constitutes your acceptance of the updated policy.
Contact Us
Millennium Budget Consulting
DBA MBC Financial Rescue
A GSA Financial Literacy Foundation Company
Address: Oklahoma City, Oklahoma 73105
Email: support@millenniumbudget.com
Website: millenniumbudget.com
For questions about your credit repair services, billing, or to exercise your rights under this policy, please log into your client portal and send a direct message to your account manager, or email us directly.
Oklahoma Department of Consumer Credit
4545 N. Lincoln Blvd., Suite 164, Oklahoma City, OK 73105
(405) 521-3653 · ok.gov/okdocc
Use of Cookies
By using this website, you acknowledge that we use cookies and consent to our use of cookies. Cookies are small pieces of data sent from a website and stored in the user’s web browser, most commonly used for technical purposes such as web analytics. Our web analytics is primarily performed using Google Analytics, a tool provided by Google, Inc. Advertising cookies do not contain personally identifiable information, but they do permit advertisers to make ads more relevant to the user’s interests. For more information about Google Analytics, check Google’s privacy policy at http://www.google.com/intl/en/analytics/privacyoverview .html. We, including activities through services and partnerships with vendors and third-party service providers, may use cookies for: Web analytics such as demographic and other anonymous data for web optimization and other analysis; “Lead auditing” to ensure the accuracy, relevance, and validity of submitted information; Marketing and conversion-tracking cookies for, but not limited to, targeting and
optimizing digital ad serving.
Opting Out of Cookies
You can remove cookies at any time through your browser settings, though you may need to do this every time you visit Millennium Budget Consulting. You can also generally opt-out of receiving personalized ads from third-party advertisers and ad networks that are members of the Network Advertising Initiative (NAI) or that follow the Digital Advertising Alliance’s Self-
Regulatory Principles for Online Behavioral Advertising. Do this by visiting the opt-out pages
on the NAI website and DAA websites.
Terms of Use and Policy Changes Notification
From time to time, we will revise our Terms of Use and Privacy Policy if and when we change our practices. We recommend that you periodically reread this document to stay up to date with our practices concerning your privacy and other important information.
Millennium Budget Consulting
Build Wealth. Break Cycles. Leave a Legacy.
©2026 Millennium Budget Consulting - A GSA Financial Literacy Foundation Company | All rights reserved
Millennium Budget Consulting provides financial education and coaching services. We are not licensed financial advisors, attorneys, or credit repair organizations as defined by federal or state law. Results may vary.