about

We are a successful West Michigan based company that was created to help consumers who are experiencing problems as a result of having negative information on their credit reports. At Lighthouse Credit Repair, we understand the value of having a positive credit rating. Now more than ever, consumers are faced with the challenges that come from having a difficult economy coupled with tightened lending standards. In short, having anything less than an outstanding credit rating can mean that you can be denied for credit, and pay more for many things that are necessary to purchase – such as auto and home insurance. People with a low credit score are often forced to pay hundreds of dollars more out of their monthly budget for car payments, home or rent payments, insurance, etc.

Our goal is to help our clients by using a systematic process of disputes with the three major credit bureaus. Through our partnership with an experienced attorney who specializes in consumer-based laws, we are able to cite specific sections of the law which require the credit bureaus to fully prove any disputed item in writing. The Fair Credit Reporting Act allows the credit bureaus 30 days to reinvestigate information that is being disputed. At the end of those 30 days, the bureaus must either prove that the information is correct, or they must delete it. Every day we help clients get bankruptcies, judgments, collections, late payments, medical issues, and many other negative marks removed from their credit.

We work by referral only. Many of our clients are referred by current or past clients, but most are referred from banks, mortgage companies, credit unions, and other lenders who know and trust us to help their clients who have credit problems. Unlike most other credit repair companies, our program is designed to work quickly. Our goal is to get maximum results as quickly as possible – which is why we get so many referrals.

Our credit rating affects many aspects of our lives – we are all “doing business with” the three major credit bureaus whether we like it or not. Trans Union, Equifax, and Experian keep a credit file on us all, and the law requires them to maintain accurate records – but their records are often full of errors and many consumers find that it is nearly impossible to correct those errors by trying to deal with the credit bureaus themselves.

Consumers have the legal right to dispute information that appears on their credit reports. However, people often find that the credit bureaus seem to be more concerned with stalling and avoiding their disputes then simply correcting the errors. Many of our clients have attempted to contact the credit bureaus directly, only to become frustrated by their inability to communicate with these three companies.

At Lighthouse Credit Repair, we handle this dispute process for you. Using a customized dispute process, our strategy is to force the credit bureaus to follow the law and verify the accuracy of negative information on our client’s reports. Our goal is to remove the maximum amount of negative information from our client’s reports in the shortest time possible.