Most people who repair credit in the zip code 49931 buy their property in the same city of Houghton, because the county of Houghton and the city of Houghton offer many benefits for first time home buyers and the best thing is that in zip code 49931, it has a reliable credit repair and financial education company which will help you meet all your credit goals; Houghton residents have the ease of having a credit repair company with reliable and personalized service.