TopConsumerReviews.com is a world-leading consumer product review site. We provide detailed reviews and ratings for thousands of products and services.
Our professional reviewers evaluate products and services independently, but Top Consumer Reviews may earn money when you click on the links on our pages. Learn more.
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.
For several years, Veracity was a credit repair service that people could turn to. According to their site, they continue to offer two plans for helping you improve your credit report:
If you're thinking that it shouldn't cost $30 to pull your credit report, and then an extra $30 each month just to have your account set up more quickly, you're right! With most of the higher-ranked credit repair services in our review, it doesn't cost that much money.
The Veracity site advertises that they're accredited by the Better Business Bureau. That may have been true in the past, but at the time of our review, this credit repair service was not accredited and actually had an "F" grade. Why? Company owners Daryl F. and Wendy M. Yurek were found guilty of tax evasion and bankruptcy fraud in 2017 and sentenced to serve time in jail.
Would you entrust this business with repairing your credit? We wouldn't either. Fortunately, there are much more trustworthy credit repair services, so we encourage you to browse the higher-rated services in our review.
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 Veracity Credit.
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
It took me nearly four years of credit repair before I cracked 700, which is average credit. It took me another three years before I was able to crack the 800 barrier for the first time. Currently, my ...
Published: Mon, 18 Feb 2019 23:10:00 GMT
February 05, 2019 - - Zorro Credit Repair has added San Jose CA to their burgeoning branches in the US. The company aims to reach and help people who need to get their credit score fixed as quickly as ...
Published: Tue, 05 Feb 2019 17:23:00 GMT
An old friend not only was a victim of credit fraud this past year, but his family's passports also were stolen just two weeks before a long-awaited Christmas vacation. Stuart, 60, took all the right ...
Published: Sun, 06 Jan 2019 02:26:00 GMT
Q: I've recently turned 25 and have been doing a lot of thinking about my finances and the steps I need to take to improve my overall financial situation. With some help from my mom I've set up a budg...
Published: Mon, 05 Nov 2018 03:24:00 GMT
Memphis, Tenn. - Credit repair companies claim to help consumers quickly boost their credit score, but a News Channel 3 investigation found customers who claimed they made a costly mistake. WREG also ...
Published: Thu, 15 Nov 2018 19:14:00 GMT
If you're in college, you're probably already worrying about getting good grades, covering your living expenses, and repaying student loans when you graduate. So, worrying about your credit score migh...
Published: Mon, 05 Mar 2018 16:00:00 GMT
Credit Repair Services Market helps in making informed business decisions by having complete insights of market and by making in-depth analysis of market segments This press release was orginally dist...
Published: Tue, 04 Sep 2018 17:00:00 GMT
- View Full Site -
Reproduction in whole or in part in any form without the express written consent of TopConsumerReviews.com, LLC is strictly prohibited.