"We fix your credit so you can secure your future.”
JoiCreditCo was built from the ground up with prayer, persistence, and purpose. I’m Imani Joi — a mother, a woman of faith, and someone who knows firsthand what it’s like to be denied for homes, cars, and peace of mind, all because of a three-digit number. Before I ever became a credit strategist, I was navigating single motherhood, trying to create stability for my son while being told “no” at every turn. I was tired of working hard and still feeling stuck — not because of a lack of ambition, but because my credit kept closing doors that I was more than ready to walk through.
My breaking point became my breakthrough. I turned to God, not just for a solution, but for strategy. I fasted, prayed, studied the law, and began learning how to rebuild my credit the right way — legally, ethically, and powerfully. That journey didn’t just change my credit score — it changed my life. And once I saw what was possible, I knew I had to teach others. I wasn’t just fighting for my name anymore. I was fighting for my future — and for every person who’s ever felt disqualified or discouraged by their financial past.
That’s why I founded JoiCreditCo — and why I chose the tagline “We fix your credit so you can secure your future.” Because this work is about more than disputing negative items. It’s about helping people reclaim their power, access better housing, qualify for funding, start businesses, and finally breathe again. It’s about changing the direction of families and breaking generational patterns of lack. And it's about doing it with faith, integrity, and excellence.
At JoiCreditCo, we offer a full suite of flat-fee credit repair services — no monthly gimmicks or hidden fees. We provide personalized credit audits, so you can clearly understand what’s hurting your score and how to fix it. We offer expedited credit repair packages for those looking to see progress faster, and one-on-one credit coaching to equip you with the knowledge you need to sustain real financial change. Everything we do is compliant with the Fair Credit Reporting Act (FCRA), and we tailor every plan to meet you where you are — whether you’re just starting your journey or coming back from rock bottom.
JoiCreditCo is a faith-led company that serves real people with real goals. We believe your past does not define your potential, and with the right help, you can absolutely rewrite your financial story. As a mother, this business is deeply personal to me — because I know the future I’m building for my son depends on the choices I make today. And I want the same freedom for you.
You are not too far behind. You are not disqualified. You just need the right strategy, the right support, and a little faith. And we’re here to walk that journey with you — one step, one score, and one breakthrough at a time.
