YoYo Credit helps you clean up your credit reports, rebuild your score the right way, and understand what actually moves your profile. We combine hands-on dispute work with practical education and a step-by-step rebuild plan. Results depend on your file and on how bureaus and creditors respond, but you will always know the next action to take.
After intake, you select the service mix you need. Most clients pair credit restoration with rebuild coaching and monitoring. If you plan to seek business funding later, we align your rebuild steps so nothing you do now hurts you later.
You receive a secure client-portal login to upload reports, IDs, proof of address, and any creditor letters. The portal is where you track progress, see what we are working on, and message the team.
We review all three bureaus for accuracy, completeness, and compliance. We identify negative items by type, priority, and likelihood of change, then map a 90-day plan that sequences disputes, goodwill requests, validation, or settlements only when they make sense. You will also get clear rebuild steps such as AZEO utilization setup, age and mix strategy, and when to add or avoid new accounts.
We challenge items that are inaccurate, unverifiable, or reported outside the rules. We may use bureau disputes, creditor direct disputes, or targeted validation. For late payments, we pursue goodwill adjustments when appropriate. For collections or charge-offs, we help you decide whether to validate, negotiate, settle, or wait, based on the item’s age, balance, and score impact.
In parallel with disputes, we implement the fastest realistic score lifts available to your profile. Common levers include utilization optimization, statement-date timing, removing authorized users that hurt you, adding the right starter tradelines when needed, and fixing name and address hygiene so future reporting is clean.
Most clients see movement in 30 to 45 days on the first wave of items because bureaus have response windows. Durable progress usually unfolds across 90 to 180 days as disputes cycle and rebuild actions season. Not every negative item is removable, and not every removal produces the same score change. Your plan focuses on measurable, compounding improvements rather than chasing vanity wins.
Complete the intake, choose your plan, and activate your portal. From there we follow your 90-day roadmap, adjust based on bureau responses, and keep you moving toward a healthier profile. If your end goal is business funding, we will coordinate with AICredit Funding so your credit work sets you up for approvals later.
