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      March 30, 2020

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MSI Credit Solutions vs Credit Repair Consultants

Best Credit Repair

To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of MSI Credit Solutions and Credit Repair Consultants.

To see ALL of our reviews for the Best Credit Repair Services, please Click Here

Who's the best credit repair company? Most Americans know that a good credit score and credit history are important. That one number, your credit score, can determine your ability to get a loan for school or for a car, be approved as a tenant, or to qualify for a credit card.

Unfortunately, when your credit history is less than fantastic - because of making payments after the due date, having too many credit inquiries, or even having mistaken information associated with your identity - you'll have fewer options when you need to make a major purchase. You may even have to pay higher than average rates on your car insurance or your mortgage.

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Best Reviews

2020

Credit Repair Reviews

3.5 stars
MSI Credit Solutions

MSI CREDIT SOLUTIONS

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Cost:

Initial fees starting at $30, may be higher depending on your situation

Monthly fees of $98/individual or $138/couple

MSI Credit Solutions has been in business for more than 10 years. Based in Texas, they take a personalized approach to helping their clients repair their credit.

You'll notice this customized focus from the very start - because even their initial fees depend on the complexity of your credit history. We suggest you take advantage of their complimentary consultation, to get a more exact figure for what MSI's services will cost you. Expect that your set-up fees will be a minimum of $30. You'll also pay a monthly fee of $98 if you're working with them as an individual, or $138 if applying for credit repair services as a couple.

Unlike some of their competitors, MSI Credit Solutions doesn't expect you to handle any of your disputes or other documents needed to manage your credit repair process. They draft all of the necessary letters and make contact with the credit bureaus, collections agencies, and other creditors on your behalf. And, as part of their credit repair process, they also help you to establish appropriate lines of credit to build your score in a positive direction while removing negative items from your credit history.

MSI is also one of very few credit repair services that puts a number to their satisfaction guarantee: they promise a minimum total credit score increase of at least 50 points, or they'll refund your initial investment fees.

Looking at MSI's "C" grade with the Better Business Bureau, you may be surprised to find them ranked where they are in our review. Here's what we found: across hundreds of independently-verified reviews on other sites, MSI proved to be extremely responsive to their customers, both those that were extremely satisfied with their credit repair results and those who gave one-star reviews. And, most of the low reviews appeared to have been written in error or maliciously, even by customers who had no record of ever being paying clients of MSI. From our vantage point, MSI Credit Solutions stands by their service, issues refunds when they can't deliver, and takes the time to personally respond to each client. You won't find that kind of mom-and-pop service with any other credit repair company we examined.

We can't ignore the BBB's assessment completely, which is why MSI gets a 3.5-star rating with us. But, all things considered, we recommend MSI Credit Solutions' repair services, especially if you like a personalized touch when dealing with a topic as sensitive as improving your credit history.

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1 star
Credit Repair Consultants

CREDIT REPAIR CONSULTANTS

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Cost:

$189 application/enrollment fee ($309 for couples)

Monthly service fees starting at $59.95/month

Based in Florida, Credit Repair Consultants has been working to help people improve their credit for more than a decade.

Credit Repair Consultants' fees are hefty. Expect to pay an application fee of $189 - or $309 for couples - along with a monthly service charge: $59.95 for the Standard plan, $69.96 for the Premier plan, or $89.95 for the HomePlus plan:

  • Standard: they'll contact the credit bureaus for you and challenge any items on them according to laws like FCRA and FACTA
  • Premier: they'll work with debt collectors and creditors in addition to the credit bureaus
  • HomePlus: they'll conduct the services in the Standard and Premier plans, along with disputing any questionable inquiries and recommend solutions specifically designed to help you qualify for a home loan. If you take out a home loan through one of the provider's approved brokers, you'll get a refund of every dollar you've paid to Credit Repair Consultants

This provider offers a 120-day refund policy on their enrollment costs: if negative items aren't satisfactorily removed from your credit report in the first 120 days or less, you can request a full refund of the enrollment fee. However, they'll keep $45 to cover the cost of ordering your credit reports.

Credit Repair Consultants also proudly proclaims that they offer a refund policy on your monthly fees. The catch? You have to be a customer for a full 12 months before you can request an evaluation of your account; if the service has successfully removed or improved your account, you may not get a refund at all. They will claim a credit of $60 for every deleted or improved item on your credit report, and then compare it to the fees you've paid. In other words, if you've paid for 12 months at nearly $60 and they've removed or improved 12 things on your credit report, you're not entitled to anything back.

Can you count on Credit Repair Consultants to deliver? Probably not. According to the BBB, they requested documentation from the service in 2013 and 2014, to show that they were in compliance with the FTC's standards for credit repair. As of our review, the BBB still hadn't received it. We also saw that it took the company more than 6 months to respond to a customer complaint online, and that the most recent articles in the "Credit Repair News" section of the website was from nearly two years prior to our review.

Expensive and unreliable? You don't need that when you're trying to repair your credit. We strongly recommend you choose a more responsive, affordable, and reputable credit repair service in our review.

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Continued from above

Using a reputable credit repair company puts you back in control of your financial reputation. These services work on your behalf to reduce or eliminate any negative factors in your credit history, working directly with collection agencies, creditors, and even with the three primary credit bureaus. With the help of a credit repair company, you can improve your score and even put a stop to negative information being reported on your accounts. Most services take several months before you see measurable results on your credit report, so adjust your expectations accordingly.

With so many services advertised in the media and online, how can you tell if a credit repair company is reputable and effective? As you compare the various providers, here are several criteria to keep in mind:

  • Reputation. What do past and current users of the credit repair service have to say about the experience? Is the company accredited and/or rated by the Better Business Bureau?
  • Cost. What will you pay to fix your credit history? Should you expect a one-time fee or a monthly payment structure? How do the costs compare with other providers'?
  • Guarantee. Does the credit repair service guarantee that they will improve your credit score and/or history? Can you get a refund if you are unhappy with their service for any reason?

TopConsumerReviews.com has reviewed and ranked the best credit repair companies available today. We hope this information helps you find the right credit repair program that meets your needs and gets you on your way to an improved credit history!

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