About Us | CreditWithMatty

Helping You Take Control
of Your Credit

We're a Cleveland-area credit repair and business funding consulting firm built on consumer law, real results, and zero runaround.

Built From the Ground Up

CreditWithMatty started because too many people were being left behind by a system that wasn't designed to help them. Banks, bureaus, and lenders don't explain the game — they just play it. We exist to level the field.

Founder Matt built Spotlight Advisors LLC after years of learning how the credit system actually works — studying the FCRA, understanding how bureaus process disputes, and figuring out how to access real business capital without paying a fortune in interest. He took that knowledge and started sharing it.

Today we serve hundreds of clients across the greater Cleveland area and nationwide — helping individuals clean up their credit, build fundable business profiles, and access 0% interest business funding they didn't know existed.

500+
Clients Served
$50K+
Single Card Approvals
800+
Credit Score Achieved
M
Matt
Founder & Credit Specialist — Spotlight Advisors LLC
FCRA Specialist Business Funding Lakewood, OH Credit Advisor

With years of hands-on experience navigating the credit bureaus, consumer protection law, and business funding channels, Matt has helped hundreds of clients rebuild their financial foundation — and get access to the capital they deserve. He's not a guru selling a dream. He's out here actually doing this and sharing everything he learns.


Work With Us

Our Core Values

⚖️
Consumer Law First

Every dispute we file is grounded in the FCRA. We don't use generic templates — we use the law to hold bureaus and creditors accountable to what they're required to do.

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Radical Transparency

We tell you exactly what we can do, what we can't, and how long it takes. No inflated promises, no hidden fees, no vague timelines. You always know where you stand.

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Real Results

We measure success by actual outcomes — items removed, scores improved, funding secured. Our reputation is built on clients who got results and came back to send their friends and family.

🤝
Long-Term Relationship

We're not here for a one-time transaction. We want to be your go-to resource as your financial situation evolves — from credit repair to business funding and beyond.

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CROA Compliant

We operate in full compliance with the Credit Repair Organizations Act. You'll never be charged before services are performed. You have a right to cancel within 3 business days, no questions asked.

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Community Focused

We're rooted in the greater Cleveland area and proud of it. We work closely with local mortgage brokers, realtors, and dealerships to create a referral ecosystem that lifts everyone up.

Our Services

01
Credit Repair

We analyze your credit reports across all three bureaus, identify negative items, and file targeted FCRA dispute letters to challenge inaccurate and unverifiable entries. Our process is built on consumer law — not templates.

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02
Business Funding

Access 0% interest business credit lines with the right entity structure, business bank account, and credit profile. We walk you through every step — from LLC setup to your first funded credit card.

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03
Referral Partner Program

Are you a mortgage broker, realtor, or car dealer? Partner with us to get your clients credit-ready before they apply. We handle the heavy lifting and send clients back when they're ready to buy.

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Ready to Start Your Credit Journey?

No pressure. No runaround. Just a real conversation about your situation and what's possible.

Contact Us Today