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MSI Credit Solutions

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6.1

Overall Score

LAST UPDATED: November 22nd, 2023

MSI Credit Solutions is a credit repair and education company that was founded in 2006 and is headquartered in Frisco, TX.

The privately held company is 100 percent bonded and offers clients a free consultation to diagnose credit reports with a qualified credit consultant.

MSI Credit Solutions also offers a complete money-back guarantee. The company charges a service fee as well as a monthly fee for its credit repair services.

Consumers will, however, need to contact the company directly for the initial investment pricing quote as this pricing is dependent upon the number of negative items that need to be removed from the credit report.

According to the company's website, the average MSI Credit Solutions client is enrolled in the company's credit repair program for about six months. That said, the company states that the duration of its program can vary per client.

Keep reading to learn more about MSI Credit Solutions and to see reviews from real customers. 

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The Good

  • Comprehensive Credit Process 
  • Quality Services
  • Educational Resources
  • Money-Back Guarantee

MSI Credit Solutions provides professional credit repair services to individuals in need of credit score improvement. While there are some questions regarding the company's services, there are also a few benefits to its platform. These benefits include:

Comprehensive Credit Process

The credit repair company offers consumers a fairly comprehensive credit repair process that includes a free credit report consultation, educational resources, and an online customer portal that can be used to monitor progress.

The company also works to dispute any inaccurate credit report items from the three major credit bureaus (Experian, Transunion, and Equifax) and helps clients establish better lines of credit.

According to the MSI Credit Solutions website, the company has corrected a wide variety of inaccurate/negative item marks on consumers' credit reports including late payments, collections, charge-offs, foreclosures, repossessions, judgments, bankruptcies, and inaccurate personal information.

It's also important to note that MSI Credit Solutions has several years of experience in the credit repair industry and, therefore, has built a somewhat stronger reputation than many of the newer companies. 

Quality Services

Along with a free credit report consultation, MSI Credit Solutions provides consumers with unlimited disputes, sends collection agencies and creditors debt validation letters, sends cease and desist letters on behalf of clients to collection agencies, and offers clients 24/7 updates through access to the MSI Credit client portal.

As part of its credit repair process, the company also provides any additional credit repair coaching and support via their dedicated customer support team.

Educational Resources

MSI Credit Solutions's website presents a large range of educational resources to help customers learn more about their current credit circumstances as well as how to handle future credit-related decisions and situations.

The educational resources include helpful videos, credit card/general financial advice, how to establish credit and raise credit scores, and more.

Money-Back Guarantee

Unlike some other companies in the credit repair industry, MSI Credit Solutions offers a money-back guarantee on its offered credit restoration services.

If the company does not remove any negative or derogatory items, the client has forwarded all communication from credit reporting agencies, collection agencies, and creditors, and the client has paid all six monthly processing fees, the company states that it will provide the client with a refund.

Further details regarding the company's money-back guarantee can be found on the company's website or by contacting a customer service representative.

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The Bad

  • Lack of Pricing Information 
  • Potentially High Initial Investment Fee
  • No Attorneys on Staff 

While MSI Credit Solutions can help those in need of credit repair assistance, there are limitations that need to be pointed out. Prospective clients should take into consideration the following concerns prior to enrollment in the MSI Credit Solutions program:

Lack of Pricing Information

Although the credit repair company does disclose its single and joint monthly service enrollment prices, the company does not disclose any other specific details regarding its pricing structure to the general public on its corporate website.

Potential consumers will need to speak with one of the company's service representatives directly for a pricing quote for their individual credit repair needs.

Potentially High Initial Investment Fee

Although the credit restoration company states that the initial investment could be as low as $30, those who are typically in need of credit repair services will most likely pay a higher price because of their need to have more negative items removed from their reports.

MSI Credit Solutions also lacks in comparison to some other credit repair companies that do not charge customers an initial investment fee.

No Attorneys on Staff 

Some companies in the credit repair industry have licensed attorneys or paralegals on staff. Unfortunately, MSI Credit Solutions does not seem to have any staff that can legally assist clients. 

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The Bottom Line

MSI Credit Solutions is a credit repair company that offers comprehensive credit solutions for individuals with bad credit. The company has several years of noteworthy experience in the credit repair industry and is known for providing quality customer service.

In terms of service, MSI Credit Solutions offers consumers a free credit consultation, a comprehensive credit process, educational resources, and a money-back guarantee.

However, consumers will have to contact the company directly for initial investment service rates as these are not posted on the company's website and clients could get stuck paying a potentially high initial investment which fee they wouldn't be charged with some other companies in the credit repair industry.

Unlike other credit repair companies, MSI Credit Solutions lacks an on-staff attorney to help clients with legal matters.

If you are interested in MSI Credit Solutions, we recommend that you read MSI Credit Solutions reviews, visit the company's website, and contact the company directly to learn more about its credit repair services. 

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77 Reviews

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Yonas Tekea Palmdale, CA

Horrible Service!! After going through the process I just went through over the last 6 months, I would NEVER recommend this company to anyone. Horrible sense of communication throughout the entire company. From the initial service of the account manager to the customer support. Critical Information isn't evenly distributed and allocated amongst throughout the company. Initially, the account manager would do an extreme job of signing you up and taking in your payment to receive their commission off the sale. Promising the debts you have are small and quick, how they are better than all the competitors due to xyz methods. However, after months of minimal progress towards my credit repair and numerous calls and texts the individual was now so called "BUSY" to respond back to any form of communication. The only bright side is that they have a refund guarantee of your initial payment of $199 if your credit score does not increase by 50 points or more after 6 months. That's only if you do not receive any new debts, collections, inquiries, etc. Luckily I always review over signed disclosures/documents to ensure what I was signing up for. To conclude, do not I repeat DO NOT recommend this service to anyone!! I just lost a total of $600 for nothing.

3 years ago

MSI Credit Solutions Logo

Reply from MSI Credit Solutions

Yonas, we appreciate your feedback, and are sorry to hear we did not meet your expectations. We’re not sure how your expectations were set as our agreement is very transparent when it comes to the services we offer. Yes there are client obligations that must be upheld for a consumer to see optimal score increase. As you reviewed our agreement you could have assured yourself knowing we have a guarantee in place for these types of instances. Regarding communication, we show you had monthly contact with at least one member of our team either through attempted phone calls, reached phone calls, email, and text. Your consultant that assisted with your enrollment was not the sole person over your file, so you could rest assured knowing your file was handled properly and worked on. We have tried reaching out to you only to be sent to voicemails to attempt to address your concern of “Critical Information isn't evenly distributed and allocated amongst throughout the company”. If you reviewed the agreement you knew what you were signing up for as you say. A team that went to bat for you, constantly worked on your file, provided a guarantee should we not meet our guarantee, yet here we are still met with a negative review. A month into enrolling into our services you were already questioning our processes, so we also took the risk to continue providing services for you. We're sorry to hear you were dissatisfied with our services.

Feb. 10th, 2021

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Maria

Worst company ever!!! I spent over 2700 to still have bad credit and can’t get any money back because the company said my cards were close to the credit limit. What does that have to do with them improving my credit? I’m going to be filing a complaint with the FTC and attorney general. I can assure you some of the good reviews you find online are more than likely from people they know and not actual review. After doing some research on my consultant I found he had a criminal record and will be searching for a record on the owner as well and expose them for the criminals they are. I bet they hire convicts and these are the people taking our personal information. Hope this helps someone not enroll. Remember they can’t charge upfront.

5 years ago

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[email protected] Denver, CO

UPDATE: 7/18/2012 I have been contacted by the owner and one of his under lings... They continue to argue points that have no bearing and still refuse to make that 100% money back thing.. Under the CREDIT REPAIR ORGANIZATIONS act. No Credit repair company or business can request or take monies before they have completed the job. The link below explains the federal law.. They will try to state that Texas law allows them to do this.. LOL.. Under Chapter 2, section 404. that is the most important thing, as stated on the FTC website.. On their website (FTC') it states: How to determine if a credit repair business might be a scam,.. If they ask for money, or take money before completing the job of fixing the credit issues.. That is what lead me to read this statue.. http://www.ftc.gov/os/statutes/croa/croa.shtm READ this to save your self alot of money and just make contact with the credit reporting companies all three yourself.. and save the money.. I lost thousands, and I hope I help one person refuse to use their services. I have filed a complaint with the FTC and will file with other offices like your State AG office and the VA, since they handle VA loans..

11 years ago

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[email protected] Denver, CO

I just checked the FTC site and found the following: The link below is for the full reading.. Pay Very special attention to the last paragraph.. I paid them to start 3600 and then 100 per mo. They violated federal law.. So this automaticlly tells you something about them.. They simply CAN NOT take any money before the work is done. Which they did to us.. This is why the law is here becuase of places like this.. This was signed into LAW by the President in 1996. It's not a new law.. http://www.ftc.gov/os/statutes/croa/croa.shtm CHAPTER 2--CREDIT REPAIR ORGANIZATIONS(1) SEC. 2451. REGULATION OF CREDIT REPAIR ORGANIZATIONS.Title IV of the Consumer Credit Protection Act (Public Law 90-321, 82 Stat. 164) is amended to read as follows: SEC. 404. PROHIBITED PRACTICES.(7) (a) In General.--No person may-- (1) make any statement, or counsel or advise any consumer to make any statement, which is untrue or misleading (or which, upon the exercise of reasonable care, should be known by the credit repair organization, officer, employee, agent, or other person to be untrue or misleading) with respect to any consumer's credit worthiness, credit standing, or credit capacity to-- (A) any consumer reporting agency (as defined in section 603(f) of this Act);(8) or (B) any person-- (i) who has extended credit to the consumer; or (ii) to whom the consumer has applied or is applying for an extension of credit; (2) make any statement, or counsel or advise any consumer to make any statement, the intended effect of which is to alter the consumer's identification to prevent the display of the consumer's credit record, history, or rating for the purpose of concealing adverse information that is accurate and not obsolete to-- (A) any consumer reporting agency; (B) any person-- (i) who has extended credit to the consumer; or (ii) to whom the consumer has applied or is applying for an extension of credit; (3) make or use any untrue or misleading representation of the services of the credit repair organization; or (4) engage, directly or indirectly, in any act, practice, or course of business that constitutes or results in the commission of, or an attempt to commit, a fraud or deception on any person in connection with the offer or sale of the services of the credit repair organization. (b) Payment in Advance.--No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed.

11 years ago

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[email protected] Denver, CO

Update: To add to my issue, the person with the user score of 7 (JDavyboi). I think he might be a person that works for MSI.. I cant NOT confirm this, but yes, they are well trained in the verbal judo. After a 6 month period, I requested that they pull my credit score again.. when they compared them.. they showed no differance went down or went up a few points, but in the end.. Our scores went down.. Now after spending almost 5000 dollars, a person my think, they would have a better score.. they posted on the their website the newest credit report.. the two placed next to each other, it appeared the newest one was the one that I started with but it wasnt .. Thats how bad they are.. I had things that were on my credit report listed twice, and they couldnt fix that.. My wife had things that were reported on her acct. twice.. they couldnt fix anything.. We wasted alot of money .. I would have gotten more out of the money we spent, if we video taped us burning 5000 dollars in 20's.. Just a pile of ashes.. Thats what you will get.. I have started a case with the FTC.. Anyone else that has been "screwed" by these people (and when doing this they use sand) .. Save you mind and money.. Do it yourself or find another place.. I have been started paying the issues one by one, to fix my credit myself.. and I feel better paying them straight out then letting MSI take another 100 bucks a month of me..

11 years ago

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[email protected] Denver, CO

They play games and make statements about how and what they will do.. I paid the up front fee of 3600.00 (1800 per person) - I paid that 3600 all at once, to buy a home, and they tell you they will give it back to you when you buy thu them.. Guess what.. YOU will never purchase a month, they want you to pay the 100 aa month fee for the rest of your life I guess.. Yes 3600 dollars, then they will charge you another 50 dollars a month per person.. Most married couples have two people so that's 100 a month.. I was promised certain things and the such.. I got nothing, actually my credit scores went down during this time.. Some things came off.. But some where things that naturally dropped off and some were... So today 7/17/2012 - after a better part of a year I am trying to get my money back for both me and my wife.. At 1800 dollars each.. They say we raised your score at one place a few points and will try claiming all of that as something they did.. And some scores are completely the same.. They consider this a positive thing of their doing.. I will fight them until I get a refund.. With the money I have spent with MSI, I could have paid the bills and been happier.. Don't use these guys.. More of a scam, with some "so called fancy" things.. During the start, they will be instantly ready to talk to you and "help" you.. But after they get your money, trying to get a hold of them is almost impossible without a wait of a week or more.. I score them at 1 or worst, for their "play" with you type games. And the money back guarantee.. That's a lie, they find everything as I mentioned above to skate around doing crap for you.. And getting the money back.. You will never see that home you are trying to buy.. I was able to purchase two brand new vehicles, just as they started, NOW, I can't even trade my 2011 in on a 2012, and my credit has gotten so bad.. When I have paid almost 10 grand off the truck alone.. AND THE KICKER is I'm using the same dealer and Toyota as the same people.. That is what the worst thing..Is I might as well just not pay anything and see if that will raise my scores, after I cancel MSI.. You are a fool if you use them..

11 years ago

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Kevin Toledo, OH

They took my money for 3 months in there most expensive program.was supposedly to see mail in 30 days got nothing but money taken from me.would not hire these people.they have alot ot bad reviews shoulda did my homework.lexington law was much better.

5 years ago

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BrianC Saint Paul, MN

I used them and ended up filing a fraud case against them. They are a bunch of SCAM artists. They change everything in your contract to protect them and not you. RUN away from them FAST.

11 years ago

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JennyM Lehi, UT

No upfront payment options, and a ton of negative comments online and a F on BBB has me convinced enough.

11 years ago