Legal Center

Protecting Your Privacy.

Building Your Trust.

Everything you need to know about our privacy practices, service policies, refund policy, guarantees, and client disclosures.

Quick Navigation

Golden Light Credit Repair is committed to protecting client information.

Your Privacy Matters

Content Card Sections

Include:

Information We Collect
How We Use Your Information
Information Sharing
Data Security
Cookies & Analytics
Your Rights
Policy Updates

Terms of Using Our Services

Content Card Sections

Include:

Acceptance of Terms
Services We Provide
Client Responsibilities
Payments & Billing
Intellectual Property
Limitation of Liability
Governing Law

Terms & Conditions

Our Commitment to Fairness

Content Card Sections

Include:

Non-Refundable Fees
Monthly Billing
Cancellation Policy
Refund Requests

Refund Policy

We Stand Behind Our Service

Content Card Sections

Include:

Qualification Requirements
Refund Eligibility
What Voids the Guarantee
How to Submit a Refund Request

Refund Policy

Important Disclosures

Include:

Not a Law Firm
No Guaranteed Results
Credit Repair Organizations Act (CROA)
Fair Credit Reporting Act (FCRA)
Business Funding Disclosure
Educational Purposes Only

Disclosures

Contact

Business Identity Disclosure

Golden Light Credit Repair is a registered DBA (doing business as) owned by Golden Light Group LLC. References to “Golden Light Credit Repair,” “we,” “us,” or “our” on this website refer to Golden Light Group LLC DBA Golden Light Credit Repair.

Your information is used to:

Provide credit repair services
Prepare dispute letters
Communicate account updates
Process payments
Improve our website and services
Meet legal and regulatory requirements

We never sell your personal information.

SMS Opt-In Details: When you provide your phone number and choose to receive text messages from Golden Light Credit Repair, we use your SMS consent preferences to send appointment confirmations, reminders, service updates, responses to inquiries, customer support messages, credit education, service information, special offers, and promotional messages when selected. Consent is optional and is not required to purchase services. Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for help.

We may collect:

Name
Address
Phone number
Email address
Date of birth
Credit reports and credit information
Identity verification documents
Payment information
Website usage information

Your information may be shared only when necessary with:

Credit bureaus
Creditors
Collection agencies
Data furnishers
Payment processors
Technology providers
Government agencies when required by law

SMS Consent and Mobile Information: We do not sell, rent, or share mobile phone numbers, SMS opt-in data, or SMS consent with third parties or affiliates for their marketing or promotional purposes. Mobile information may be shared only with service providers that support the delivery of our text messaging services, and only as necessary to provide those services. Text messaging originator opt-in data and consent will not be shared with any third parties, except with service providers necessary to deliver text messaging services.

We use reasonable administrative, technical, and physical safeguards to protect your information against unauthorized access or disclosure.

Our website may use cookies and analytics tools to improve your browsing experience.

You may request to:

Access your information
Correct inaccurate information
Update your contact information
Request deletion where permitted by law
Opt out of marketing communications

Terms & Conditions

Golden Light Group LLC DBA Golden Light Credit Repair offers SMS messaging for appointment confirmations, appointment reminders, service-related updates, customer support, responses to inquiries, credit education, service information, special offers, and promotional messages based on the user’s selected consent preferences.

Message frequency varies. Message and data rates may apply. Consent to receive SMS messages is not a condition of purchase or service.

To opt out of SMS messages at any time, reply STOP. For assistance, reply HELP or contact Golden Light Credit Repair using the contact information provided on this website.

Mobile carriers are not liable for delayed or undelivered messages.

You must be 18 years of age or older to consent to receive SMS messages.

We do not sell, rent, or share mobile phone numbers, SMS opt-in data, or SMS consent with third parties or affiliates for their marketing or promotional purposes. Mobile information may be shared only with service providers as necessary to support and deliver our messaging services.

For more information about how we collect, use, and protect personal information, please review our Privacy Policy

By accessing this website or enrolling in our services, you agree to these Terms & Conditions.

Golden Light Credit Repair provides services including:

Credit consultations
Credit analysis
Credit dispute preparation
Credit education
Credit-building guidance
Business funding consulting

We are not attorneys and do not provide legal advice.

Nothing on this website should be interpreted as legal, tax, or financial advice

Every credit profile is different.

We cannot guarantee:

Specific credit score increases
Removal of specific accounts
Approval for loans or credit
Results within a certain timeframe

To receive the best possible results, clients agree to:

Maintain active credit monitoring
Submit requested documents promptly
Keep payment information current
Notify us of any bureau correspondence
Avoid submitting disputes independently while enrolled
Avoid creating new negative credit activity

All website content, graphics, branding, logos, educational materials, downloads, and digital products are the property of Golden Light Credit Repair and may not be copied or reproduced without written permission.

Golden Light Credit Repair is not liable for:

Credit bureau processing delays
Creditor decisions
Lending decisions
Identity theft
Third-party actions
Client financial decisions

These Terms are governed by the laws of the State of Florida.

Refund Policy

We believe in providing exceptional service while maintaining a fair and transparent refund policy

The following fees are non-refundable:

Enrollment fees
First Work Fee
Initial setup fees
Credit monitoring fees paid to third-party provider

Monthly service fees are earned as services are performed.

Refunds are evaluated according to our 90-Day Money-Back Guarantee.

You may cancel your service at any time.

Cancellation requests must be submitted before your next billing date to avoid future charges.

Cancellation does not automatically qualify you for a refund.

We proudly stand behind the quality of our services.

If we are unable to produce measurable progress within your first 90 days, you may qualify for our Money-Back Guarantee.

To Qualify

You must meet all of the following requirements:

Remain enrolled for a minimum of 90 consecutive days
Pay every monthly payment on time
Maintain active credit monitoring during the entire program
Submit all requested documentation within seven (7) days
Forward every letter received from any credit bureau, creditor, collection agency, or data furnisher within five (5) business days
Follow all recommendations provided by Golden Light Credit Repair
Avoid filing disputes on your own during enrollment
Avoid opening unnecessary new credit accounts
Avoid creating new negative credit activity, including late payments, collections, charge-offs, repossessions, or judgments
Provide truthful and complete information throughout the service period
Cooperate fully with all requests made by Golden Light Credit Repair

If all eligibility requirements have been met and no measurable improvement has been achieved after 90 consecutive days of active service, you may request a refund of the monthly service fees paid during the guarantee period.

Refund requests must be submitted in writing within 30 days after the completion of the initial 90-day period.

The client:

Misses a payment
Cancels before 90 days
Stops credit monitoring
Fails to submit documents
Creates new negative credit activity
Files disputes independently
Provides false information
Refuses to cooperate during the repair process

Failure to meet any eligibility requirement voids the guarantee.

90-Day Money-Back Guarantee

Golden Light Credit Repair offers a strict 90-Day Money-Back Guarantee for qualifying clients.

After completing 90 consecutive days of active service, you may qualify to receive a refund of your last monthly service payment only if all eligibility requirements are met and no measurable progress has been made on your credit reports.

This guarantee does not provide a refund of all payments made during the 90-day period.

To Qualify, You Must:

Remain enrolled for a full 90 consecutive days
Maintain active credit monitoring during the entire service period
Make all required payments on time
Submit all requested documents and bureau responses on time
Forward all credit bureau, creditor, collector, or data furnisher responses promptly
Avoid filing disputes on your own while enrolled
Avoid creating any new negative credit activity
Provide truthful and complete information
Cooperate fully with Golden Light Credit Repair

If approved, the refund will be limited to the last monthly service payment only, paid after the 90-day service period.

Enrollment fees, setup fees, first work fees, previous monthly payments, and third-party credit monitoring fees are non-refundable.

You cancel before completing 90 days
You miss or skip a payment
You stop credit monitoring
You fail to submit requested documents
You create new negative credit activity
You dispute accounts on your own while enrolled
You provide false or incomplete information
You do not cooperate with the credit repair process

Failure to meet any requirement voids the guarantee.

Important Disclosures

You have the legal right to dispute inaccurate information on your credit report yourself at no cost.

You are not required to hire a credit repair company to exercise your rights.

Consumers have rights under the Fair Credit Reporting Act regarding the accuracy and fairness of credit reporting.

No company can legally guarantee a specific credit score increase or the removal of accurate information.

Beware of any company making such promises.

Approval for business funding depends upon lender qualifications, underwriting guidelines, business financials, personal credit, and other factors beyond our control.

*Funding approval is never guaranteed.

The information on this website is provided for educational purposes only and should not be considered legal, financial, or tax advice.

By contacting Golden Light Credit Repair, scheduling a consultation, submitting a form, or enrolling in our services, you consent to receive:

Phone calls
SMS text messages
Email communications

These communications may include appointment reminders, account updates, educational information, service notifications, and occasional promotional offers.

You may opt out of marketing communications at any time. Opting out of service-related communications may affect our ability to provide services.

Have questions about our legal policies?