Personal Solutions for the Elite Consumer

VIP Credit Restoration

Our Exclusive VIP service is an expedited aggressive approach to the full credit restoration process. As a VIP client you will work directly with our CEO to make sure you are getting the best service first hand.

Let’s See if

VIP Is Right For You

This service is  the perfect fit for clients who needs significant credit score increases within 30-90 days. In the past clients that have used this service have experienced credit scores increases from 80-150 points in less than 45 days and 150-200 points in just 90 days.

To ensure our VIP services are a good fit for your situation we have a few criteria you MUST meet. These include the ability to settle outstanding negative debt such as (charge offs/collection) within a 60-90 day period.

VIP Investment

VIP service ranges from $1200 in cost which is determined by the number of accounts that need to be addressed. We offer flexible payment options to meet customer needs.


Direct CEO access via phone, email, and text


3 bureau credit report analysis


24/7 Online Client Portal Access


Unlimited disputes with all three credit bureaus


Unlimited Collection Agencies Validation


Unlimited Original Creditors Verification


Debt Settlement Negotiation Assistance


Weekly/Biweekly File Updates


Tradeline & Credit Depth Consulting


Budgeting Strategy Session


Homebuyer Evaluation with Mortgage Broker


Credit Education

Our Satisfied Clients

Joli Moniz

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...

Amber Jamila

Karma Ali is the real deal. I heard of her nearly a year ago thru other friends who used her credit repair services but for whatever reason I didn't reach out until about a month ago. I live outside the US, which makes it difficult for me to communicate by phone to my...

Wanda Singleton

Najah has been working on my credit for a few months. I thought my credit was challenging in my eyes but Najah assured 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...

Danny Lynch

Najah Thank you for your Expertise, Service, and Dedication it's much appreciated. Prior to joining I was denied a home loan. They gave me a to do list. Najah asked when did I want to purchase, I said March. Well I'm not far from my goal with your help. I enrolled Aug...

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:

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.

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