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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.
Credit Repair looks like an incredible service for fixing your credit history. For $99.95/month, this provider will pull your credit report and help you identify which items you want to change or challenge - building a plan with you instead of creating an arbitrary strategy without your input.
From there, Credit Repair's experts work with credit companies to implement your plan, and then they verify with the credit bureaus to make sure that those changes actually take effect. You can track your progress through your personal online dashboard and a mobile app, where you'll also see your score tracker and analysis of the changes to your credit profile.
You'll also find great resources in the Education section of the site. Want to know how bad credit affects you, or how to get your free credit report? You'll find that information here, along with an up-to-date blog, tools to help you in your financial planning, and much more.
Unfortunately, Credit Repair has lost some credibility within the industry. Why? According to the Better Business Bureau, the company was asked to prove their claims that the average customer sees progress every month while using their services - even seeing improvements in the neighborhood of 7% of questionable credit report negatives being taken off their credit reports every 30 days. As of the date of our review, the BBB was still reporting that they had not received proof of those advertising claims. Those claims are still prominently featured on the Credit Repair website.
While we did find quite a few customer reviews that said their credit scores improved reliably over time using the Credit Repair service, it's hard to recommend a business that has an "F" grade at the BBB because they didn't take the time to prove that their advertised claims were legitimate. If those facts are accurate, it should be a simple process to report them and clear up the concern at the BBB. If that happens in the future, Credit Repair will probably move up in the rankings among the services we reviewed; until then, we suggest you look at some of the higher-rated companies for your credit history improvement plan.
Best Credit Repair Companies
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.
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.
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:
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!
Choosing a Credit Repair Company
If your credit score needs some professional help here's how to search for a quality credit repair company.
Start at the Computer
Searching online for a credit repair company provides many benefits in finding and choosing the right service provider for you and here's why:
Look for These Characteristics
When searching for the best credit repair company look for the following characteristics in a quality company before making your selection:
Credit Repair In The News
Credit is meant to be a measurement of one's financial responsibility. When people go to get a loan, apply for a job, apply to rent an apartment or apply for a mortgage, credit companies are pulling t...
Published: Wed, 19 Sep 2018 01:13:00 GMT
Amy Wang and her husband spent the first six months of 2016 trying to repair their credit after someone redirected their mail and stole tax forms with sensitive information. A Macy's, Bloomingdale's a...
Published: Fri, 21 Sep 2018 03:01:00 GMT
which specializes in credit repair services. If you might require a new line of credit soon, signing up for fraud alerts might be a better option, he said. Credit reporting agencies and other companie...
Published: Fri, 21 Sep 2018 16:45:00 GMT
"It's not a cure-all, but it will be a great help in preventing identity theft," said John Heath, partner at Lexington Law, a credit-repair firm. Although consumers could freeze their credit in the pa...
Published: Fri, 21 Sep 2018 09:25:00 GMT
Philadelphia, PA -- (SBWIRE) -- 09/06/2018 -- America's credit card debt has risen to an all-time high. According to an annual report by Experian on consumer debt, the average American has an outstand...
Published: Thu, 06 Sep 2018 05:12:00 GMT
Norman, OK - Consumer loans have become useful in Oklahoma City, as they help many individuals acquire college degrees, homes, and cars. Although, improper management of consumer loans have plunged ma...
Published: Thu, 30 Aug 2018 13:39:00 GMT
The ads from credit repair companies pop up everywhere-on telephone polls, in newspapers, on TV and radio, in your email and on the internet. You'll see similar claims over and over. But can credit re...
Published: Thu, 13 Sep 2018 17:00:00 GMT
RICHMOND, VA (WWBT) - $900 billion. That's what the Federal Reserve says Americans have in credit card debt. There are three types of help for people who find themselves in a credit crisis. One is cal...
Published: Sat, 08 Sep 2018 19:54:00 GMT
Maharashtra, India -- (SBWIRE) -- 08/31/2018 -- The meticulous study on the global Credit Repair Services Market offers thorough perceptions covering the key development drivers and prominent trends, ...
Published: Fri, 31 Aug 2018 00:30:00 GMT
Denver, CO - The increase in the integration of the internet into the everyday life has predisposed unsuspecting individuals to some financial dangers such as credit card theft, and identity fraud. Th...
Published: Thu, 30 Aug 2018 13:14:00 GMT
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