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Client Testimonials

What People Say

My Credit Ability LLC is wonderful and truly cares about supporting and improving the lives of its clients. Karma has been amazing and works over 100% to assure I understand my options and how I can improve my credit not just for me but most importantly for my children.

Hanna Reyes

My Credit Ability Client

I was introduced to Karma Ali on August 25, 2018 (YES I REMEMBER THE DATE). My first consultation with her was on August 28th…prior to working with her I had been working with someone else, but progress was stagnant so I was a bit reluctant, but Karma was sure of herself and her capabilities and read more…

Shannon Walter

My Credit Ability Client

My wife and I decided to pursue purchasing property as an investment even though our credit wasn’t the worst we set out and found a property as things moved forward some issues began to arise in the area of funding.Long story short the deal fell through,during our rebound period we where advised by read more…

Kevin Jeter

My Credit Ability Client

Not Walking Related* Hi y’all! I wanted to give a shout out to Karma for the work she put in on my credit! I already had a preapproval letter, and didn’t even think there was much to do, but I trusted her anyway, and she was able to delete 37 negative items! This will save me thousands when I decide read more…


My Credit Ability Client

When I say that I highly recommend Karma Ali and My Credit Ability, I HIGHLY recommend her! One of the most patient, knowledgeable and thorough credit professionals that I have ever come across, Karma takes her time to explain the process, helps you manage expectations and outlines what your ultimat read more…

Marc J. Kelly

My Credit Ability Client

I have been working on my credit for years and was doing OK, but Karma was able to give me tips and tweak my credit that bumped me up about 100 points and well into the 700s. This happened in a short period of time, which was perfect as I looked for a new apartment. Karma advised me in several ways read more…

Quinnette E. Free

My Credit Ability Client

If it’s not broke, don’t fix it. I first started working with MyCreditAbility in 2016. They worked miracles with me and my credit to the point that I purchased my first home within 9 months. I originally worked with a variety of companies starting in 2013 to purchase a home with no success, but the read more…

Brandon Johannes

My Credit Ability Client

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 many suggestions of things I can do read more…

Coty M. Daniels

MyCreditAbility Client

“2 years ago on August 17th, I accomplished my biggest financial goal to date! I closed on my first home! Prior to meeting Najah on FB, the thought of me purchasing a home, by myself, as a single mom had never even crossed my mind. I was literally living paycheck-to- paycheck. I had negative marks m read more…

April Shields

My Credit Ability Client

I cannot even begin to tell you how elated I am about this company MyCreditAbility. As a Military Veteran this help means the world to me. My credit score increased 70 points in 30 days. My Credit Ability isn’t your typical credit repair company. They educate you. They negotiate on your behalf. I wo read more…

Carla Carter

My Credit Ability Client

Thank you thank you My Credit Ability LLC ! I’ve observe this company and the owner Karma Allover the past few years consistently deliver results for others seeking out a path to effectively addressing their credit issues, improving credit in general, and being in position to buy homes! You can real read more…

Clinton Alexander Jackson IV

My Credit Ability Client

I have procrastinated for years on taking steps to improve my credit. I feared even requesting a copy of my report for fear of what it would reveal. This year I made this task one of my goals. However, I wasn’t sure if this was possible seeing that I was out of the country, and not home with access read more…

Keelah Yolo

My Credit Ability Client

I highly recommend Najah and her team! Within a few short months, they were able to help me rebuild my credit which seemed like an impossible task for me. I was very pleased with her professionalism, communication and knowledge.

Rosena Branch

My Credit Ability Client

Due to this young , I was able to get me a house, my credit was fair but she got it too good, now my interest rate was on point , thanks a lot keep up the awesome work and i highly recommend her to fix your credit….she gets the job done in Ina timely manner…God Bless you

Leslie Protrainer Garner

My Credit Ability Client

For years, I have tried and tried to “fix” my own credit, with no success. I had become discouraged and gave up hope that I would be able to become a homeowner. Five weeks ago, I made one of the best decisions I could’ve ever made and contacted Najah for a consultation. From our first conversation, read more…

Arika Pritchett-Sellman

My Credit Ability Client

I had a wonderful experience with My Credit Ability. The process was smooth and the education I received regarding handling my credit was exceptional. We set a goal and once it was met all I had left to do was to do my part by maintaining a good Rapport with my creditors. I recently applied for prea read more…

LaKisha Blalock

My Credit Ability Client

My husband and I started our journey not knowing what to expect, but Najah calmed our fears and walked us through everything. She kept us updated on what she needed from us and did so much to help us get our credit in order and scores up. She left us with life long tools to ensure we don’t end up in read more…

Garvin Family

My Credit Ability Client

Najah of My Credit Ability LLC is the BEST at what she does! She is efficient, clear, follows through on all and even gives additional tips and suggestions to further boost your credit profile. I quickly saw my scores increase by over 100 points!! Now I am ready to purchase a home thanks to her. Wor read more…

Joli Moniz

My Credit Ability Client

Working with experience! She definitely stays on you and wants to see you win! Her encouragement defintely made the process not so overwhelming. Working with Najah made me feel like my goals were attainable and that I could do it. I didn’t realize how much I had doubted myself and though that homeow read more…

Claudia Bellony Atanga

My Credit Ability Client

I just want to take the time to applaud Najah! When I initially contacted her, I was very skeptical and didn’t know if she could help me. She took the time to answer all of my questions, and made sure that I understood each step of the process. Truth be told, she made me feel like her only client. F read more…

Danielle Pace

My Credit Ability Client

Very professional!! Quick with responding to any question that may come to mind, explain the details of your report, so you understand what you’re looking at. When My Credit Ability says they will improve your credit, it happens!! My journey with trying to improve my credit on my own has been a nigh read more…

Shon Key

My Credit Ability Client

When I tell you I have tried almost every credit repair scenario and service for the last three years trying to repair the damage a failed relationship had done to my credit. Fast forward to me needing to repar my credit for a home loan approval, I was recommended to Najah by my realtor Immediately read more…

Tenagne Turner

My Credit Ability Client

My Credlt Ability has helped my score go up nearly 100 points in only a few months! I am now officially part of the 700 club. Najah is ‘every informative and is awesome at disputing negative items! Even If It means disputing the same item a few times until the job is done! I would definitely recomme read more…

Exstacy Perkins

My Credit Ability Client

Najah has been working on my credit for a few months. I thought my credit was changllening in my eyes but Najah assure d me everything was going to be alright. If I had questions she responded in a timely manner If I got off track she also made sure i was on the right track because she wanted to see read more…

Wanda Singleton

My Credit Ability Client

I am ecstatic! I’ve received my preapproval to purchase my home! Special thanks and appreciation for the services, assistance, step by step guidance I’ve recieved from mycreditabilityllc to improve and increase my score for this approval. Not only have I brought my credit up but, I have learned to b read more…


My Credit Ability Client

I am BEYOND EXCITED in the mist of a pandemic I was able to stay focused on my goals and make my dreams a reality. Today I became a first time home buyer and I am over the !!! God has been sooooooooooo good to me and I give him ALL THE PRAISE!! Thank you God for all you have done and continue to do read more…

Dakita Ki-Ki Watson

My Credit Ability Client

The world of lending brings about some credit opportunities as as a lender with certain buyers. My joumey in this industry lead me to Najah Walker who is a top notch credit repair professional. I’ve had the honor of working with Najah for the better part of 2 years and she has help several of my cli read more…

Carl & Karen Eberhart

My Credit Ability Client

While growing up we were always told to not get pregnant or mess up your credit yet no one ever really elaborated further. Now that we have kids and potential credit issues we need help. I wouldn’t trade my children for anything, but I’ve been fortunate enough to meet Najah with her company to help read more…

Freda Martin

My Credit Ability Client

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