Setting the Standard in Personal Service

Standard Credit Restoration

Get everything you need to improve your credit and accomplish your financial goals with our standard credit restoration services. Our team is here to personally help you throughout the entire process.

The Personal Approach to

Improve Your Credit

Our standard program is our most popular service, and rightfully so. This hands on program is for the consumer who is ready to improve their credit and has some time to invest in the credit repair process. While most clients start to see improvements after 45 days, the average program lasts 6-8 months. There are no long term contracts and the cost is the same no matter how many accounts we are challenging for you.

Standard Investment

$150 Credit Audit

$100/mo Credit Restoration

A

Dedicated Credit Repair Specialist

A

3 Bureau Credit Report Analysis

A

24/7 Online Client Portal Access

A

Unlimited disputes with all three credit bureaus

A

Unlimited Collection Agencies Validation

A

Unlimited Original Creditors Verification

A

Debt Settlement Negotiation Assistance

A

Student Loan Consulting

A

Tradeline & Credit Depth Consulting

A

Budgeting Strategy Session

A

Homebuyer Evaluation with Mortgage Broker

A

Chex Systems Disputes

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.

Don't Put Off Your Finacial Goals

Get Started Today!

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

FREE Credit Review

Schedule a free consultation discover the best solution for your credit.

Schedule a FREE Review