Fix Your Credit.
Build Your Future.
Your credit score determines your mortgage rate, your car payment, your business loan — even your apartment application. Keith teaches you exactly how to fix it. Real strategy. No scams. No overnight promises.
Meet Neo.
Your EYH Guide.
Neo qualifies where you are in 60 seconds and points you to the right lane. No waiting. No sales call.
Your Credit Score
Is Running Your Life
Most people know credit scores matter. Few understand just how much. A 100-point difference between a 580 and a 680 can cost you tens of thousands of dollars — on the exact same house, the exact same car, the exact same loan.
Homeownership Denied
Lenders look at your score before anything else. Below 580? Most doors are closed. At 620 you qualify — but at a rate that costs you an extra $500/month over the life of the loan.
Paying Double on Your Car
A buyer with a 750 score might get 5% APR on an auto loan. A buyer with a 550 gets 18–24%. Same car, same dealer — you're paying nearly double in interest.
Business Funding Blocked
Most SBA loans require a 680+ personal credit score. Business lines of credit, equipment financing, and even business cards pull your personal score. Your past follows your business.
Real Client. Real Progress.
Real Credit Help.
Bad credit feels personal. But with the right process, it can be repaired, rebuilt, and used as a tool. Watch what one client had to say after working through the credit process.
Start My Credit Review
Baby Steps to 750:
The Free Starter Guide
Keith's no-fluff breakdown of exactly what moves the needle on your credit score — what to dispute, when, and how. Written in plain English. No upsell on the other end. Just the guide.
✓ Check your inbox — it's on the way.
While you wait, scroll down to see your full credit repair roadmap.
See If You Qualify for Credit Help
Answer 3 quick questions. No SSN. No credit pull. Just a straight answer on where you stand.
The Product Ladder
Start free. Go as deep as you need. Every rung is a step closer to the score that opens doors.
Baby Steps to 750
The starter guide. Pull your reports, find the errors, understand what's actually dragging your score down. No cost. No catch.
Credit Repair Planner
A fillable workbook that walks you through every dispute step-by-step. Includes letter templates, tracking sheets, and a 90-day plan.
The Credit Toolkit
Everything in the Planner plus 20+ dispute letter templates, a credit utilization calculator, and a score-building action tracker.
The Kingmaker Bundle
The full system. Planner + Toolkit + Keith's video course walking you through every strategy + live Q&A access for 90 days.
YBE Credit Consulting
Keith works with you one-on-one. 6-month done-with-you program. Limited spots — join the waitlist below.
YBE Credit Consulting
The father-son flagship. Jordan runs the 6-month done-with-you program — trained by Keith, leveled up by his own mentor in business credit. He works alongside you: reviewing your reports, building your dispute strategy, and holding you accountable to the moves that actually shift your score. Not a course. Not a template. A real partnership.
- ✓Full credit report review & analysis with Jordan
- ✓Custom dispute strategy built for your specific profile
- ✓Bi-weekly check-in calls for 6 months
- ✓All Toolkit resources + Kingmaker Bundle included
- ✓Business credit & tradeline strategy + score roadmap
- ✓Direct access to the YBE team between sessions
Join the Waitlist
⚡ Limited spots per cohort
✓ You're on the list. Keith will be in touch soon.
How Credit Repair Actually Works
Credit repair isn't complicated. It's just misunderstood — and exploited by scammers. Here's the real process.
Pull All Three Reports
You have three credit reports — Equifax, Experian, TransUnion. Each one can contain different errors. You need all three. Pull them free at AnnualCreditReport.com. This is your starting point.
Find the Errors & Negatives
Look for inaccurate balances, accounts that aren't yours, late payments reported incorrectly, duplicate accounts, or collections past the statute of limitations. Errors are more common than you think.
Dispute & Build Simultaneously
Send dispute letters for errors. At the same time, build positive history — secured cards, credit-builder loans, becoming an authorized user. Both sides of the equation matter. Attack negatives and add positives.
Maintain & Watch It Grow
Keep utilization under 10%, pay on time every month, let your accounts age. Monitor monthly. Credit is a long game — but the compounding effect of right moves is powerful and real.
Results depend on your starting profile, consistency, and time. Keith's role is to make sure you never waste a move.
The Credit Industry
Is Full of Scams.
Most "credit repair companies" charge you $100–$200/month for things you can do yourself for free — or worse, they use illegal tactics that can get you in trouble. Here's how to spot them.
They promise to remove accurate negative items
Accurate information — even bad stuff — cannot be legally removed before its time. Anyone promising otherwise is lying or doing something illegal.
They tell you to dispute everything at once
Mass disputes without real legal basis flag your account as frivolous and get dismissed. Real strategy is targeted and documented.
They offer you a "new" credit identity
Using a CPN (Credit Privacy Number) instead of your SSN is identity fraud. This is a federal crime. Walk away from anyone offering this.
They charge upfront before doing any work
The Credit Repair Organizations Act (CROA) prohibits charging fees before services are completed. Any legitimate company knows this.
What Keith Does Instead
YBE Credit provides financial literacy education and guidance. We are not a credit repair organization as defined by the CROA. We do not dispute items on your behalf or guarantee score changes. See our full disclaimer.
He Taught His Son the Game.
Then His Son Built a Company.
Keith didn't start with great credit. He started with bad decisions, worse luck, and a system nobody explained to him. When he finally cracked it — reading the laws, learning the mechanics, testing what actually moved the needle — he made one promise: his kids wouldn't start as far behind as he did.
So he taught his son Jordan credit young, got him a mentor early who took him to the next level with business credit, and gave him room to find his own lane. Today Jordan runs his own credit consulting company — YBE Credit — and trades the markets every morning. That's not a sales pitch. That's what happens when you hand somebody the game.
That's why they call him "The Credit Dad." He'll walk you through this the same way he walked his own son through it — no $200/month subscriptions, no empty promises, just the real strategy the bureaus don't want you to know you have the right to use.
What YBE Clients Say
Real people. Real scores. Real life changes.
I went from a 524 to a 691 in 11 months. I thought that was impossible. Keith broke it down so clearly — what to dispute, what to build, what to ignore. I qualified for my first apartment without a co-signer. That's everything to me.
I had 4 collections dragging my score. Keith told me which ones to dispute, which ones to pay, and which ones to just wait out. Got 3 removed. Score jumped almost 90 points in 6 months. I finally bought the car I wanted at a real interest rate.
I needed a 680 to get an SBA loan for my business. I was at 612. Keith put me on a specific plan — paid down two cards, got an authorized user spot, disputed one error. 7 months later I was at 694. Loan approved. Business is running.
Frequently Asked Questions
Straight answers to what people actually want to know.
How long does it take to repair credit?
Disputes take 30–45 days to process. Meaningful score improvements typically happen in 3–6 months with consistent action. A full rebuild from 500 to 700+ is usually a 12–18 month journey — faster if your situation has easy wins (inaccurate accounts, high utilization, no positive history).
Can you really fix your credit yourself?
Yes. Everything Keith teaches is based on your legal rights under the FCRA. You have the right to dispute any information you believe is inaccurate — yourself, for free, directly with the bureaus. Keith teaches you how to do it correctly so you don't waste time and effort.
What's the fastest way to raise my credit score?
For most people: reduce your credit card utilization below 10% (if you have existing cards), dispute any inaccurate negative accounts, and add positive history with a secured card or credit-builder loan. These three moves together can move a score 40–80+ points in 60–90 days.
Will disputing hurt my credit?
No. Disputing items does not create a hard inquiry and does not lower your score. If a dispute results in an account being updated or removed, the impact depends on what changes — negative items removed almost always improve your score.
What's the difference between YBE and a credit repair company?
Credit repair companies often charge monthly fees to dispute items on your behalf — things you can legally do yourself. YBE Credit provides education and guidance so you understand your rights, develop your own strategy, and are empowered to manage your credit independently for life.
What score do I need to buy a house?
FHA loans allow 580+ with 3.5% down (some lenders require 620). Conventional loans typically require 620+. To get the best rates and lowest payments, aim for 740+. The difference between a 620 and 740 on a $300K mortgage can be $200–$400 per month.
What's a secured credit card and should I get one?
A secured card requires a cash deposit (usually $200–$500) that becomes your credit limit. It's reported to the bureaus just like a regular card. For someone with no credit or rebuilding credit, a secured card is one of the fastest and safest ways to build positive payment history. Keith recommends specific ones in his resources.
Is credit repair legal and is it safe?
Absolutely. The Fair Credit Reporting Act (FCRA) gives you the legal right to dispute inaccurate or unverifiable information with credit bureaus — for free, at any time. What isn't legal: creating a fake credit identity, disputing accurate information using fraudulent claims, or paying someone to use those tactics on your behalf.