Terms and Conditions

Last updated: October 22, 2026

These Terms and Conditions ("Terms") govern your access to and use of the website operated by Lighthouse Credit Repair ("we," "us," or "our") at https://lighthousecreditrepair.com, and any consultation or service requests you submit to us. By using our website or services, you agree to these Terms.

About our services

Lighthouse Credit Repair is a credit repair organization, not a law firm, credit bureau, lender, or government agency. We provide credit report review, dispute assistance, and credit education for consumers. We do not guarantee any specific credit score increase, the deletion of accurate information, the removal of any particular account, or any lending decision. Accurate, current negative information is not automatically removable simply because it is negative.

You have the right under the Fair Credit Reporting Act (FCRA) 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.

Compliance disclosures

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 schedule, subscription, or billing terms will be confirmed during your consultation and should be reviewed carefully before you begin.

Eligibility

You must be at least 18 years old and legally able to enter into agreements to use our services. By submitting a request, you represent that you meet these requirements.

Use of our website

You agree to use our website lawfully and not to misuse it, including by attempting to gain unauthorized access, interfering with its operation, or submitting false or misleading information. We may modify or discontinue any part of our website at any time without notice.

Intellectual property

The content on our website — including text, graphics, logos, and design — is owned by or licensed to us and is protected by applicable law. You may not copy, reproduce, or distribute our content without our permission, except as permitted by law.

Links to third-party sites

Our website may contain links to third-party websites, including official resources and our booking calendar. We are not responsible for the content, privacy practices, or accuracy of third-party sites.

Disclaimer of warranties

Our website and services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability and fitness for a particular purpose. We do not warrant that our services will produce any specific result.

Limitation of liability

To the fullest extent permitted by law, neither we nor our affiliates shall be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services. Your use of our website and services is at your own risk.

No legal, tax, or financial advice

Educational content on our website is general information and is not individualized legal, tax, or financial advice. For advice specific to your situation, consult a qualified professional.

Changes to these Terms

We may revise these Terms at any time. The "last updated" date reflects the most recent revision. Your continued use of our website after changes constitutes acceptance of the revised Terms.

Contact

Questions about these Terms? Contact us at support@lighthousecreditrepair.com.