Take the First Step of Credit ResToration To

Get

Credit-Able!

Stop letting inaccurate and unverifiable items hold back your credit. Schedule a free consultation to find out how credit restoration can help you improve your scores.

Get Credit-Able!

Personalized Credit Restoration Tailored to You

Every person is unique, and so is your credit. Don’t settle for being treated like a number. 

We rely on our rapport with our clients and only take new clients by referral. This ensures that our services are designed entirely around you.

Homebuyer Help

We know what lenders and brokers look for. We can help you prep your credit reports to get the best mortgage rate.

Credit Restoration

Our services include credit analysis, disputes, guidance, and debt settlement for qualified clients. Helping clients is our goal!

Full-service

We do everything necessary to give you the best possible chance to improve your credit profile and credit scores.

Free Resources

We offer a free introductory review of your credit reports, a free 24/7 client portal, and a free, exclusive advisory group.

Your Personal Credit Restoration Advocates

Our business is building strong relationships with our clients. That’s so we can understand your needs and aspirations and customize our services around you. We’ll be your partner in credit recovery while also advocating for you with the credit bureaus, your creditors, and collection agencies.

Trustworthy

Your trust is essential to our process. Both your success and ours depends on establishing mutual trust. We only take clients who truly need help with their credit and who we believe will benefit from our credit services. Apply now to see if we’re the right fit for one another.

Transparent

We do everything in our power to minimize your risk while maximizing your results. We charge a flat-rate fee based on your specific needs. Our fees are reasonable and affordable, but also completely transparent. We never charge upfront or hidden fees, and you’ll never get surprised by extra charges.

Flexible

Our payment plans are determined on a case-by-case basis, helping you get ahead quicker. We want you to enjoy the maximum benefits of our services as quickly as possible. We take that into consideration when planning your payments together, along with your income, needs, and unique circumstances.

Don’t Let Credit Hold Back Your Dreams Any Longer

We’re ready to help you get there! Our courteous credit specialists are trained to analyze your credit and evaluate your needs. Let’s find out together how we can best serve you.

Going Above & Beyond to Restore Your Credit

You Are Our Priority

At every stage, we tailor our services to your specific needs and personal goals. We’ll be here at all times to answer your questions and offer you our professional guidance as well as our credit-building resources, tools, and educational materials. 

CREDIT AUDIT

We will investigate your Equifax, Experian, and TransUnion credit reports for any incomplete, out-of-date, or potentially incorrect accounts or information that can be disputed.

DEBT SETTLEMENT

For qualified clients, we will help you settle all of your outstanding debts at once with an affordable payment plan. You could save thousands on interest and fees while restoring your credit.

FULL-SERVICE CREDIT RESTORATION

We will create a plan of action together with you that enhances your credit profile’s strengths while addressing its weaknesses. Get the credit you need with our guidance and support.

CREDIT REPAIR SERVICES

You will never need to deal with the credit bureaus or your creditors directly. We will handle all of your credit disputes and advocate for you with our proven dispute strategies.

Affordable Pricing and Plans Available

We Challenge Incorrect and Unverifiable Information from the three major Credit Bureaus

ABOUT US

We are your credit restoration and preparation specialists. Our largest focus is helping families and individuals prepare their credit for homebuying, but we help a wide variety of people with their credit issues every day. Honesty, transparency, and personal service define our standards and motivation. Come get to know us as we learn about your life, goals, and needs.

Our Satisfied Clients

Rashida M.

"When I started working with Karma Ali to fix my credit my scores were low and I had some debt to clean up. I started an allotment sending funds to Karma and she would dispute & settle accounts and before I knew it my scores had jumped up I had cleared all bad debt...

Brandon J.

"I was working on my credit debt and credit score on my own for 3 years in preparation of attempting to buy my first home with very limited success. After 3 years I was referred to Najah at MyCreditAbility, and what I was feeling to do in 3 years became a successful...

April S.

"What can I say about the MyCreditAbility team? They were hard on me and did not allow me to make excuses. At one point I thought they wanted me to achieve my goals more than I wanted to for myself! They held me accountable and gave me the push I needed to get it...

Coty Daniels

"I've been a client for several months now and I can't say enough great things about Najah. She was able to do all of the leg workthat I wasn't been able to get done on my own. Any questions or concerns I've had, she's responded in a timely manner. She's offered so...

Frequently Asked Questions

How long does credit repair take?

You’ll start getting results within 35-45 days! We call this your “first round” of disputes. For some clients, one round is all it takes!

But the automated system that the credit bureaus use, called eOSCAR, often fails to take the appropriate actions. If that happens, we won’t simply give up.

We’ll use increasingly escalated tactics to put the pressure back on the credit bureaus for several rounds, each of which takes 35-45 days.

On average, our customers graduate our Credit Repair process in 6 months or less!

What kinds of items can you get removed?

The Fair Credit Reporting Act (FCRA) requires all of your accounts and items on your credit report to be 100% complete, accurate, up-to-date, and verifiable.

That includes your personal data, payment histories, collections, chargeoffs, public records, and every other type of item.

The key is that the credit bureaus must be able to provide you verification of the total accuracy of their reports. When they cannot, they must delete the unverifiable item.

We leverage the FCRA and other Federal consumer protection laws to enforce your rights and get you the credit you’re entitled to!

What if I have accurate derogatory items?

Firstly, while you’re entitled to accuracy, that’s not all. The credit bureaus must be able to provide verification of their accuracy. It is their burden of proof, not yours.

On the majority of accounts we dispute for our clients, we find unverifiable information and demand its deletion.

Secondly, even if the credit bureaus provide verification that they’ve reported your item accurately, that doesn’t mean you’re out of options.

For instance, the credit bureau may be reporting a collection accurate to the information the collection agency provided them, but that doesn’t mean the collection agency’s actions are compliant with the law.

We pursue every means of helping you get the best credit possible. That only begins with 100% verifiable accuracy.

What is a "frivolous" dispute result?

The credit bureaus are required to investigate all consumer disputes. The results they send back are “verified,” “not on file,” “deleted,” or “frivolous.”

They are not supposed to call your dispute frivolous unless it is unclear, unspecific, or obviously false. However, the credit bureaus are known to lump legitimate disputes into this category as a stall tactic.

This is one of the biggest benefits of having professional credit experts advocating for you and handling your disputes.

We use advanced strategies to meet the stall tactics of the credit bureaus head on. We won’t rest until we get you results!

Do you request my credit reports? Why not?

An inquiry is added to your credit report every time a financial services provider requests it. These are known as “hard” inquiries and can lower your credit score.

But you can request your credit reports yourself as often as you want, and it will not result in a hard inquiry or affect your credit scores. Therefore, we ask all of our clients to request their credit reports.

Luckily, it’s fast and simple! First, we recommend you request your credit reports, for free, from the credit bureaus’ official website: annualcreditreport.com.

Secondly, you can easily sign up for credit monitoring, where you’ll have access to live account updates and credit reports and scores refreshed monthly.

How much will I owe you in advance?

We will never bill you for services we have not yet provided!

If you encounter this practice from any other Credit Repair Provider, it is a huge red flag, as they are not in compliance with Federal regulations.

We take compliance and service seriously. We want you to be absolutely clear on how much each of our services costs — no hidden fees — and we will only bill you after our service has been rendered.

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We will evaluate your credit and needs with a free, expert review of your credit reports.

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