Your privacy is important to Pioneer Credit Recovery ("PCR", "we", "our", "us"). This Privacy Policy ("Policy" or "Policies") applies to individual consumers whose information we obtain while providing services to and/or on behalf of our clients, and explains how we collect and process your information through this website, and (the "Site"). We collect and use personally identifiable information or Other Information about you (collectively, "your information") to conduct and manage our business, including operating and improving the Site, to process your transactions, deliver our services, to fulfill legal and regulatory requirements, and as otherwise permitted by applicable law.

Personally identifiable information we collect:

  • Information we receive from the entity on whose behalf we provide services (the "Client") and from information or applications submitted by you to the Client, such as your name, contact information, Social Security Number, or an account number.

  • Information we receive from you voluntarily while using the Site, or through correspondence or communication with us, whether by mail, email, telephone, or the Internet, and which may include your name, address, email address, telephone number, Social Security number, account number, assets, income, liabilities, financial account and payment information, or any other information you provide.

  • Information about your transactions with us, our affiliates, or others, such as your account balance and payment history.

  • Information we receive from third parties, such as consumer reporting agencies.

Other Information

We automatically collect information about you, such as device ID and other information when you visit the Site to help us, including but not limited to, improve the Site, and provide services to you on behalf of our Client. This type of information does not identify you personally ("Other Information").

The types of Other Information we collect:

  • Device ID such as your internet protocol (IP) address (IP address is a number assigned to a device connected to the internet).

  • Information collected through cookies and other technologies.

We may place and read data stored (via session and/or persistent "cookies" or other device specific storage capabilities) on the device you are using, and use other technologies such as Web beacons, clear GIFs, tracking pixels and tags, when you visit or use the Site or open a PCR email. Cookies are small data files that are placed on your device for a variety of purposes, including to identify your device and/or your account when you return to the Site. You can generally remove, block, or disable cookies by using the settings located in your browser. If you decide to remove or not accept cookies, some features and services on the Site may not work properly. To the extent permitted by applicable law, third parties, including our service providers, may collect information about your online activities over time and across different sites, including when you visit the Site. In particular, the Site may use Google Analytics to help collect and analyze certain information for the purposes discussed above. You may opt out of the use of cookies by Google Analytics here. Some browsers have a “do not track” feature that lets you tell websites that you do not want to have your online activities tracked. Currently, we do not respond to browser "do not track" signals.

How We Share

We only disclose information to affiliated and non-affiliated third parties as permitted or required by applicable law, including the federal Fair Debt Collection Practices Act (“FDCPA”), if applicable. We may share your information with third parties that provide mailing, information technology security, payment processing, and other servicing and collection-related services to us. When we share your information with these third parties, they are contractually required to limit their use of your information to the particular purpose for which it was shared, and they are not allowed to share it with others except to fulfill that limited purpose. We will also share your information with the Client for which we service your account. We do not share your information with any other client, nor with any third party for marketing purposes except to respond to you if you have submitted a request for more information about using PCR’s products and services.


In our information technology systems environment, we maintain commercially reasonable administrative, technical, and physical safeguards (including secure disposal methods) designed to protect your information against loss or unauthorized access, use, modification, or deletion. However, no security program is foolproof, and thus we cannot guarantee the absolute security of your information. Nevertheless, it is crucial that, as a user, you protect against unauthorized access to your computer and that you always sign off when finished using a shared computer. Further, you should be aware that no system is impenetrable. Thus, it is your responsibility to diligently monitor your credit card statements, bank statements, and similar personal information to discover and address as quickly as possible any misuse of your personal information.

If you have found security problems with our website, please complete this form on our parent company’s (Navient) site.

Children’s Privacy

We do not intend to collect personal information from children under 13 years of age. If we learn that we have collected this information from a child under the age of 13, we will promptly take all reasonable steps to delete the data from our system.

Policy Changes

The effective date of this Policy is February 2024. It replaces all prior Policies issued by PCR for this Site. We reserve the right to amend this Policy at any time and we will inform you of any changes to this Policy by posting the revised Policy on the Site, or as otherwise required by law.

Contact Us

For more information regarding this Policy, please contact us at:

Consumer Privacy
Pioneer Credit Recovery
P.O. Box 345 
Arcade, NY 14009