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MSI Credit Solutions

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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. 


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.


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. 


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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C Michele C Pittsburgh, PA

They are not able to help everyone. I read a lot of great reviews and they claim to help thousands of people and perhaps maybe they have but I was not one of them. My case needed minimal work but yet fell in to the category of being unfixable . It was upsetting and rather unfortunate. Stating facts and simply sharing my own experience. Hopefully others will have better luck.

3 years ago Edited September 14, 2021

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JDavyboi Lehi, UT

Same with me, however I called them just to see how bad it really was and if they could answer my rebuttals. I must say they have some great strong points too, you just have to be willing to listen. Plus a lot of companies out there I'm sure get trashed by competition as well.

11 years ago

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srikanth d Prosper, TX

no complaints with the MSI credit solutions . They have refunded my initial payment as my credit negative did not go off.

2 years ago Edited September 27, 2021

MSI Credit Solutions Logo

Reply from MSI Credit Solutions

We appreciate your review.

Oct. 21st, 2021