MSI Credit Solutions Review

Investopedia’s Rating
4.3
Our Take
MSI Credit Solutions is one of our picks for the best credit repair companies. We chose it as the best option if you want an aggressive company that will take on your credit problems quickly, because it starts work fast and sends unlimited disputes every month. It’s also the best choice for customer experience thanks to its high customer ratings. But it’s not very upfront about its pricing and plan information, so you’ll have to go through a free consultation before you’ll really understand what to expect.
Pros
Starts working in one day
Excellent customer reviews
Long money-back guarantee
Cons
Pricing information is unclear
Plan information is unclear
No mobile app
MSI Credit Solutions offers credit repair services along with credit monitoring, identity theft insurance, and a debt management program.
MSI offers three different plan options, according to customer support, although its website only mentions a single plan.
MSI offers unlimited monthly disputes, helping you resolve credit problems as quickly as possible.
MSI was founded in 2006 and is headquartered in Dallas, Texas.
MSI Credit Solutions is a relatively young credit repair company, but it’s already earned a great reputation. Founded in 2006 and widely available in 45 states and D.C., it got one of the highest overall customer satisfaction scores in our research based on reviews on Google and Trustpilot.
MSI guarantees a 50-point increase in your credit score, although the company’s money-back guarantee comes with some strings, as described below.
Year Founded 2006
States Available 45 + Washington, D.C.
Services Offered Credit repair, credit monitoring, identity theft insurance, debt management program
First Work Fee $0.00 (website says at least $98)
Plan 1 Fee $99.00
Plan 2 Fee $750.00
Plan 3 Fee $1,500.00
Dispute Types Debt verification letters, method of verification letters, cease and desist letters, personal information errors, plus 7 others
Customer Service Online portal, phone, email, chat
overall rating
4.3
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 credit reports, finding errors and information that 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 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 credit 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).
Tip
MSI says that most people are in the program for six months.
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 consultation. 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 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 repair 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 may 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 print, 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, you’re eligible for a refund of those six months of payments.
Dispute Types
MSI Credit Solutions deals with the following 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 also offers:
Credit monitoring: Three-bureau 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 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).
Important
MSI does not offer business credit repair services, like some other credit repair companies.
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.