Company History


HOPE4USA, oringinally Home Ownership Program for Everyone (HOPE), was founded in early 2001. CEO, Ron Lambright, along with 2 mortgage loan officers set out to develop an honest, reputable credit education program designed to help people repair and rebuild damaged credit. Ron and the loan officers knew that people are more than just a number and they deserve a second chance when it comes to credit problems. Since HOPE4USA was founded the company has helped thousands of individuals with credit problems to achieve goals such as cleaner credit, home ownership, auto loans, freedom from debt, and much more!

Though initially created to help individuals address credit problems which were preventing them from qualifying for financing, the HOPE4USA team soon realized that many of their clients had a great need for assistance with business credit improvement as well. HOPE4USA Business Funding was created to help business owners access the financing they need to grow or start their business.


The Hope4USA Team


Ron Lambright – “Credit Commander in Chief”

“I have a great compassion for people facing credit problems. Personally, I experienced major credit problems twice in my life – once as a young man when I simply didn’t know any better and again in my 50s due to needing major medical surgery while temporarily uninsured. I learned the hard way how to fix a damaged credit report and I love to share everything I learned with others. Bad credit doesn’t make someone a bad person and everyone deserves a second chance.

Another passion of mine is helping business owners learn how to qualify for the financing they need to grow their companies. When I started HOPE4USA in early 2001, I made some administrative mistakes just like many new business owners. I also established HOPE4USA without any financial backing to help me get started. We simply had to bootstrap it for quite a while! Now I love to share what I have learned over the past decade+ with other business owners. There is a method and a formula that every business owner can follow to establish strong business credit and qualify for financing in the business’ name without the need for a personal guarantee! I wish that I would have had someone to share this information with me when I started my business rather than having to learn through years of trial and error. Sharing business financing secrets with other business owners is one of the best parts of my job.”


Michelle Black – “The Credit Ninja”

“Teaching others how to build healthy personal and business credit profiles is one of my favorite things to do. I love to write credit education articles and books as well as teaching seminars where I can share the secrets of building higher credit scores – both personally and for your business. I constantly study the subject of credit so that I can develop truly effective plans and strategies to help our HOPE4USA clients see the best results possible. The truth is that there is no magic wand when it comes to building personal or business credit, but you can follow a solid plan built for you by a HOPE4USA Credit Expert and ultimately achieve great success!

Saving clients money through student loan consolidations is another awesome part of my job. Over the years I have come across many people who were serving out a ‘debt sentence’ due to excessive student loan debt. It brings me great joy when I am able to help show people consolidate their student loans and save money each and every month.”



Donald Black – “The Credit Gladiator”
Director of Correspondence

“Helping our clients stand up to credit bullies is probably the best part of my job. I spend my days fighting for the rights of our clients. If a creditor or credit reporting agency tries to violate a client’s rights, I am right there to blow the whistle. HOPE4USA clients become part of our family and my job is to let ‘credit bullies’ know that trying to push around a member of our HOPE4USA family simply isn’t going to fly.



Emmani Ferguson  – “The Credit Master”
Client Services

“Helping our clients walk through the HOPE Program and seeing them graduate is extremely rewarding. I love seeing the smile on our clients’ faces as they begin to achieve their goals and start earning healthier credit reports. Nothing brightens my day more than receiving calls, emails, or a thank you cards from HOPE4USA graduates who have just closed on a mortgage or auto loan after we have helped them to repair their credit!”


Ron Lambright, CEO of HOPE4USA, is considered to be one of the foremost credit experts in the entire country. With nearly 2 decades of experience, Ron is called upon weekly to speak at seminars educating attorneys, loan officers, Realtors, and consumers regarding the complex subjects of credit reporting and credit scoring. Ron is also regularly featured on talk shows and podcasts and has been published in numerous articles, educational handbooks, and blogs. He is an expert at teaching consumers and business owners how to achieve “loan ready” credit reports as well as being an expert in the fields of business financing, business credit, and credit score improvement strategies.

You can connect with Ron on the HOPE4USA Facebook page by clicking HERE

Michelle Black, President of HOPE4USA, has been a HOPE4USA Credit Expert since early 2002. She is the credit blogger at and her credit educational articles and handbooks are regularly published in print and on numerous consumer education websites. Michelle speaks 3 languages fluently (English, Spanish, and French) and is routinely featured as a speaker at English and Spanish credit education seminars. She is an expert on improving credit scores, budgeting and debt eradication, credit repair, identity theft, and student loan consolidation.

You can connect with Michelle on the HOPE4USA Facebook page by clicking HERE.