Process

Helping you to build credit or rebuild your credit in the most effective, proactive and inexpensive way possible!

OUR PROCESS

Step 1.

Before we can get started, you will be required to provide LIGHTHOUSE CREDIT RESOURCE CENTER with a copy of your most recent credit report from all three credit bureaus: Transunion, Equifax, and Experian. We prefer that you use one of the following:

  • MyFICO.com to pull all three credit reports and credit scores, because of the ease of real time updates, ability to monitor and update your FICO credit scores and customizable alerts. There is No free trial with MyFICO.com.
  • Privacyguard.com to pull all three of your credit reports and credit scores because of the ease of use and their $1.00 trial for the first 14 days. They also offer a lot of additional features if you stay on with their membership. If you don’t like Privacy Guard, you can pull your credit reports from any provider that you choose. NOTE: If you have purchased a credit report and scores within the last 30 days, you may not qualify for the Privacy Guard credit monitoring service until you have waited 30 days since purchasing.
  • Identityguard.com allows a trial period and also offers a lot of additional features if you stay on with their membership. If you don’t like Identityguard.com, you can pull credit reports from any provider that you choose.
  • A recent credit report (No older than 60 days preferable) from a lender that may have provided
    a copy of your credit report with all 3 credit bureaus.

Step 2.

You will be required to pay for a detailed, personalized, credit action plan under the
“Pay Now” screen. Please provide an email address if applicable to allow Lighthouse Credit Resource Center to send you our “Contract Agreement” and our “Privacy Disclosure” form electronically.  We may require a 10-15 minute phone consultation to ensure we maximize assisting you with a successful credit game plan.

Step 3.

You will be required to pay the appropriate one-time fee for a detailed, personalized,
easy to apply credit action plan.

Step 4.

Please provide Lighthouse Credit Resource Center a copy of your Picture ID, 1 utility bill (proof of residence), and 1 form to verify Social Security Number (W-2, Social Security Card, or other). WE Highly value your personal information and will communicate through the highest levels of security on correspondence.  We may request other pertinent credit information, i.e; a copy of bankruptcy papers or other, to ensure we provide you a thorough detailed plan and analysis.

Step 5.

Lighthouse Credit Resource Center will provide A DETAILED, PERSONALIZED, EASY-TO-USE credit action plan summary to assist you in addressing items on all three of your credit reports. The detailed plan will assist you build or rebuild your credit utilizing countless hours of experience related to credit report and credit score items. (Typical turnaround time will be between 3 and 7 days from receipt of payment, Contract Agreement, Privacy form, credit report and items under Step 3 & 4).

Our goal is to help you understand what is on your credit report; how it is effecting your financial history and future; and the steps necessary to allow you to begin repairing your credit successfully. IF you follow the steps within the personalized credit action plan along with tips and tools sent from Lighthouse Credit Resource Center you will experience success increasing your credit scores and improving your credit overall as many others have.

Lighthouse Credit Resource Center has the seals which represent:

Excellence, Ethical and Expert!