What Is MSI Credit Solutions?

MSI Credit Solutions offers credit repair and some related services, including credit monitoring, identity theft insurance, and a debt management program. Credit repair involves reviewing your 澳洲幸运5官方开奖结果体彩网:credit reports, find🅷ing errors and information t🅰hat are bringing your credit score down, and taking steps to fix whatever problems can be fixed.

If you have errors or fraudulent accounts on your credit reports, MSI will help send disputes to the credit bureaus and creditors to get them removed. Or, if you have legitimate credit problems, like high 澳洲幸运5官方开奖结果体彩网:credit utilization or many debts, MSI will help you figure out the best way to deal with them. Either way, the end result should be a higher credit score and better odds of approval for credi𝔉t products, like loans and credit cards. 

Clients can track the progress of their credit disputes through an online portal. As negative information is removed, you should see your score go up (all other things being equal).

Pros Explained

• Starts working in one day: Most credit repair companies may take at least a few days to begin work for you, and some can take more. But according to customer support, MSI will begin work within just one business day of signing up.
• Excellent customer reviews: MSI has good customer ratings on most review sites, giving it one of the top overall customer review ratings among companies we researched. MSI has 4.7 out of 5 stars on Google Reviews and 4.4 on Trustpilot.
• Long money-back guarantee: MSI offers a six-month money-back guarantee, but you must follow the terms of your contract for those full six months. If you follow the terms and MSI fails to delete more than two items from your credit reports, you can get your money back for those six months. Unfortunately, you can’t take advantage of this guarantee until six months have passed.

Cons Explained

• Pricing information is unclear: We found some conflicting information when researching MSI’s prices. The company website says there is a single plan for $98 and a setup fee of at least $98, but a company representative told us there is no setup fee and three plans at different price points: $99, $750, and $1,500.
• Plan information is unclear: MSI’s website doesn’t provide much information about what exactly you get in your plan, although a company representative told us about the different dispute types and other services available.
• No mobile app: A few credit repair companies offer mobile apps, but MSI is not among them. You can use an online dashboard to track your progress, however.

Credit Repair Packages and Costs

MSI Credit Solution’s program begins with a free co❀nsultation. If you’re a good fit, MSI will set up a plan based on your credit history.

As mentioned, the pricing details are unclear: MSI’s website mentions an initiation fee of at least $98 and a single plan option for♛ $98 (or a couple’s account for $69 each). However, a customer representative told us there was no upfront fee and specified three price points:

• $99 per month
• $750 per month
• $1,500 per month

The $99 price point includes credit repair services covering all 澳洲幸运5官方开奖结果体彩网:three credit bureaus: Experian, Equifax, and TransUnion. The specific services included for the two higher price points were not disclosed (the higher two price points are much higher than any other credit repa🃏ir service we researched). 

MSI will begin working to repair your credit relatively fast—within one business day of signing up. You’ll get unlimited disputes per month, unlike some companies which maꦛy only send a handful. MSI will send the disputes to the bureaus and your creditors for you.

Customers can cancel their plan for no fee at any time, and a six-month money-back guarantee applies. But read the fine prin💫t, because there are some strings attached. You must complete all of the obligations specified in your contract for six months,🤪 including:

• Prompt forwarding of all communications from credit bureaus, creditors, and collection agencies to MSI
• Have three-bureau credit monitoring through MSI
• Never be inactive

If you give MSI six months to fix your credit and they’re unable to delete more than two items from your credit reports, 𝓡you’re eꦡligible for a refund of those six months of payments.

Dispute Types

MSI Creꦛdit Solutions deals with the followiꦏng issues:

• Bankruptcy disputes
• Cease-and-desist letters
• Charge-off disputes
• Collection account disputes
• Debt verification letters
• Foreclosure disputes
• Hard inquiry disputes
• Late payment disputes
• Method of verification letters
• Personal information error letters
• Repossession disputes

MSI does🍌 not send goodwill removal request letters or section 605B letters for Identity Theft.

Other MSI Services

In addition to credit repair disputes, MSI al꧑so offers:

• Credit monitoring: Three-bureau 澳洲幸运5官方开奖结果体彩网:credit monitoring gives you a way to dive into your credit reports and keep track of changes as your credit repair program proceeds. MSI doesn’t specify if this is an added charge.
• Identity theft insurance: According to a company representative, MSI offers 澳洲幸运5官方开奖结果体彩网:identity theft insurance, although the company doesn’t specify how much it costs or how much protection it offers.
• Debt management program: If you’re struggling to pay down multiple debts, MSI will help you figure out a plan to pay them off most effectively (i.e., for as little as possible and as quickly as possible).
  

Customer Service

MSI provides an online dashboard for clients to check their account details and the progress of their credit repair disputes. An MSI representative told us that there is live human chat available, but we didn’t see it on the website; this feature may only be available to active customers. MSI does not offer a mobile app.

Company Reputation and Legal Issues

MSI Credit Solutions does not have any CFPB complaints and there are ꧅no FTC actions against it. Not only that, it has solid customer ratings on review websites:

• Google Reviews: 4.7/5 stars with over 1,900 reviews
• Trustpilot: 4.4/5 stars with 680 reviews

Altogether, those scores gav🌳e MSI nearly the best overall 𝔍customer rating among credit repair companies we researched.

How to Enroll With MSI Credit Solutions

This is the general process you’ll go throꦦugh if you choose to work with MSI Credit Solutions, although the company website differs a bit from what a company rꦇepresentative told us:

1. You’ll begin with a free consultation. You can either call the company or fill out a web form to schedule it.
2. MSI’s website says you’ll need to 澳洲幸运5官方开奖结果体彩网:acquire 🥃your own updated credit repoಌrts prior to the consultation. However, a company rep told us they will pull your credit reports themselves.
3. MSI will look at some financial details. They’ll check to see if you’re paying bills on time, and they’ll check your credit reports for negative information.
4. MSI will determine which plan you require based on your particular credit file, which determines the fee you’ll be charged.
5. After deciding on a plan and agreeing to a contract, you’ll sign up and be given access to the client portal.

Alternative Credit Repair Companies

The Bottom Line

MSI Credit Solutions is our top pick if you want a good experience and quick results. It has close to the best overall customer rating among companies we researched, despite being somewhat 𒁃confusing in its pricing and plan information. That lack of transparency is the main downside of MSI, and hopefully those details would be easily ironed out in the consultation and setup process. 

MSI is a fast-moving company—it’ll start working to fix your credit in one business day, with un▨limited monthly disputes. That’s why it’s our number one choice if you’re on a deadlin𝔉e.

Frequently Asked Questions (FAQs)

How Does MSI Credit Solutions Work?

MSI Credit Solutions works to fix your credit by sending disputes to the credit bureaus and your creditors. It will dispute inaccurate negative information that’s bringing your 澳洲幸运5官方开奖结果体彩网:credit score down, and if those items are removed you should see a corresponding increase in your score. MSI provides credit monitoring, identity theft insurance, and a debt management prog📖ram along with its credit repair dispute services.

What Kind of Company Is MSI Credit Solutions?

MSI Credit Solutions is a credit repair company. 澳洲幸运5官方开奖结果体彩网:Credit repair companies attempt to help fix your credit by disputing inaccurate negative information that’s bringing your score down, or by asking creditors to 澳洲幸运5官方开奖结果体彩网:delete accurate negativཧe information. In some cases they may also provide business credit repair or other services.

Methodology

Investopedia’s list of the best credit repair companies is based on comprehensive research of 17 credit 𓃲repair companie🐎s. 

In August 2024, we surveyed 500 people who used a credit repair company within the last three years to help establish a strong foundation for our research. We then identified 17 credit repair companies based on Investopedia’s prior research, a competitive analysis, and public interest through Google search trends. We evaluated each companyꦯ on 69 criteria, collecting over 1,200 data points on plan fees, dispute types, consumer ratings, complaints, and more. Data was collected between Sept. 6 and Sept. 30🥂, 2024, and sourced from company webpages, customer service calls, media representatives, and rating and regulatory agencies (e.g., CFPB, FTC, BBB). The overall research process for this project occurred from July 1 to Oct. 7, 2024.

🌳 We categorized the 1,200 data points into five categories and scored 799 data points, using the others for background and to improve content quality. We then scored and weighted each criterion to develop our overall star rating for each company. The categories and thei♑r weights for this project are: 

• Cost and Fees: 27.50%
• Customer Experience: 16.00%
• Reputation/Customer Satisfaction: 18.50%
• Services: 28.00%
• Stability/Availability: 10.00%

Read our 澳洲幸运5官方开奖结果体彩网:full methodology for more information.