Disclaimer

We are not a law firm, credit bureau, lender, or government agency

Lighthouse Credit Repair is a credit repair organization. We are not a law firm, credit bureau, lender, or government agency. We do not provide legal advice, and nothing on this website creates an attorney-client relationship. For legal advice specific to your situation, consult a qualified attorney.

No guaranteed outcomes

We do not guarantee any specific credit score increase, the deletion of any particular item, the removal of accurate information, or any lending decision. Credit reporting agencies and the furnishers that report information to them control investigations and reporting outcomes — not Lighthouse Credit Repair. Accurate, current negative information is not automatically removable simply because it is negative, and no credit repair organization can truthfully promise otherwise.

You can dispute information yourself, at no cost

Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate or incomplete information on your credit reports yourself, at no cost, without hiring a credit repair organization. We are here if you would like guided support, but you are never required to use our services.

Educational content is general information

All educational content on this website — including articles, service descriptions, and frequently asked questions — is general information provided for education. It is not individualized legal, tax, or financial advice, and it may not reflect the most recent changes to law or regulation. Your situation may differ from the general scenarios described.

We do not encourage disputing accurate information

We help prepare disputes that have a genuine factual basis. We do not encourage disputing accurate information simply because it is negative, manufacturing evidence, misrepresenting identity, or using deceptive credit repair tactics. Doing so is not a legitimate strategy and can undermine genuine efforts.

External resources and links

Where we reference official resources (such as the FTC, the Consumer Financial Protection Bureau, or the Texas Secretary of State), those references are for your convenience. We are not affiliated with those agencies, and we are not responsible for the accuracy of third-party content.

Compliance

We operate subject to applicable federal law — including the FCRA and the Credit Repair Organizations Act (CROA) — and Texas Finance Code Chapter 393. We are registered and bonded in Texas. We do not charge advance fees for work not yet performed. Any pricing, payment, or subscription terms will be confirmed during your consultation and should be reviewed before you begin.

No warranty of results

Your use of our website and services is at your own risk. We provide our services on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, and we do not warrant that our services will produce any specific result.