Done-for-you credit repair that gets your personal credit fund-ready, fast, so you can qualify for high-limit credit cards that fund your business. No hacks. No upfront fees.
Most fall off after seven years. Errors can be corrected much sooner when they’re disputed the right way.
Three steps into a brand-new day.
Good morning
Your personal credit is the key to business funding. We clean it up and build it up, one documented dispute at a time.
Free review · No upfront fees · Written contract
Then
We help you put it to work: high-limit card strategy, with every letter and bureau response in plain sight.
The lens · what moves a FICO® Score
A lighthouse lens is built from rings of glass that focus light into one strong beam. Your score works the same way: five factors, each with its own weight, focus into one number lenders see.
Weights from myFICO ↗. The importance of each category can vary from person to person. FICO is a registered trademark of Fair Isaac Corporation.
Burn off the fog
Move your cursor or tap to let the morning sun clear the fog. These are the credit “hacks” going viral right now, what they actually do, and the legitimate route instead.
The route
Every client follows the same charted course. You always know where you are, what we did this month and what comes next.
A free review of your Equifax, Experian and TransUnion reports. We mark every item that looks inaccurate, unverifiable or outdated, and set your course.
We send documented disputes to the bureaus and to the companies that report to them. Bureaus generally have 30 days to investigate each one.
Removing errors is half the work. We coach the habits scoring models reward, so your profile keeps getting stronger.
Once your personal profile is strong, we help you put it to work. Many business credit cards are approved mainly on the owner’s personal credit, so a strong score can mean higher limits and intro 0% APR offers you can use to fund your business.
The fast track
Speed matters when a business is waiting on capital. Here’s how a typical file moves. Every file is different, and results vary.
We pull your Equifax, Experian and TransUnion reports with you and mark every item worth disputing.
Documented, specific disputes go to the bureaus and the companies reporting the items.
Bureaus generally have 30 days to investigate. Every result lands in your client console.
Balances paid below 10% before statement dates, often one of the fastest legitimate score moves.
Escalations where answers fall short, plus score check-ins after each reporting cycle.
High-limit card selection and application order, timed to keep hard inquiries in check.
Typical milestones for illustration, not a guarantee. No one can promise a score, a deletion or a funding approval.
The keeper's console
Done-for-you shouldn’t mean done-in-the-dark. Every client gets a private console showing each dispute, each bureau response and each funding milestone as it happens.
Illustration of the client console with invented sample data. Results vary by client.
The instrument panel
Check your utilization, see when old items should age off, find what bad credit costs you, and spot errors worth disputing. Nothing you type leaves your browser.
How much of your available credit are you using? It’s part of “amounts owed,” the second-biggest factor in a FICO Score. Example numbers are filled in; change them to yours.
Educational estimate only. No tool can predict your score.
Negative items don’t stay forever. Pick the item type and when it started, and see roughly when it should age off your reports.
Time limits from Experian and the CFPB. Some exceptions apply, such as reports for large loans or high-salary jobs.
The same loan at two different rates. Pick an example or enter real quotes.
Example rates for illustration only. Real rates depend on the lender, the market and your full profile.
The CFPB lists these as common credit report errors. Open your free reports at AnnualCreditReport.com and check off anything you spot.
List from the CFPB ↗. You can dispute errors yourself for free, or have us handle it.
From credit to capital
No P&Ls, tax returns or months of bank paperwork. For most small business owners, the fastest path to capital is a strong personal FICO® Score that qualifies for high-limit credit cards.
Accurate reports, low utilization, on-time history and few recent inquiries.
Many issuers approve business cards mainly on the owner’s personal credit, usually with a personal guarantee.
Use the credit lines for inventory, marketing or equipment, often starting with an intro 0% APR period.
What card issuers usually look for on your personal reports. Check what’s true for you and light the tower.
Plans
No setup fee. Each month is billed only after that month’s work is done. Cancel anytime.
Why Lighthouse
| Typical online offers | Lighthouse Leverage | |
|---|---|---|
| When you pay | Often a setup or first-work fee, then monthly | No setup fee. Billed after each month’s work |
| Seeing the work | Monthly summary | Live client console with every letter and response |
| Business funding | Usually not included | Built into Fleet: a personal-credit-first funding strategy |
| Myth education | Varies | Weekly “Rock or Real?” and The Ledger |
| Couples | Sometimes | Harbor plan for two |
Play with Pip
Nine things people hear about credit. Call each one a rock (myth) or real. Pip keeps score.
The Ledger
A free weekly email from Pip and the team. No spam, unsubscribe anytime.
Morning log
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Verified review · coming soonQuestions
Still unsure? Book the free review and ask us anything.
It depends on what’s on your reports. Bureaus generally have 30 days to investigate a dispute, so most people see first responses within one to two months. We never promise a score or a timeline, and anyone who does is a red flag.
No one can legally remove accurate, timely information. Most negative items can stay up to seven years, and some bankruptcies up to ten. We dispute items that are inaccurate, incomplete, unverifiable or outdated, and we help you build positive history around the rest.
After the work. There’s no setup fee, and each month is billed only after that month’s work is performed. You’ll sign a written contract first, and you can cancel within 3 business days at no cost.
Yes. You have the right to dispute errors with the credit bureaus yourself, for free. Get your reports at AnnualCreditReport.com. We exist for people who’d rather have experts handle the paperwork and follow-ups.
Many business credit cards are approved mainly on the owner’s personal credit, and most come with a personal guarantee. A strong personal profile can qualify for higher limits and intro 0% APR offers, which many owners use for inventory, marketing or equipment instead of a traditional bank loan. Intro rates end and standard rates apply, so you need a payoff plan. Approvals and limits are set by each issuer and aren’t guaranteed.
It can. Many business credit cards and loans check your personal credit with a hard inquiry and require a personal guarantee. We help you time applications so inquiries don’t stack up before a big purchase.
No. We’re not a lender. We prepare you and your business to apply with confidence. Approval, amounts and terms are set by each lender, and no one can guarantee them.
Report it at IdentityTheft.gov first. It’s free and gives you a recovery plan. We can then help dispute the fraudulent accounts properly.
Talk to a real person
Questions before you book? Reach out directly. You’ll talk with a person who knows credit, not a sales script.
Our promise
“We light the way. You keep the wheel. Every letter, every response and every next step, in plain sight.”El Aranas
Free credit review
Tell us where you want to go. We’ll review your reports with you and chart the route, free and with no obligation.