MSI Credit Solutions

I have been with msi for about a year now. I think they are doing a good job, they do not get negative items removed as fast as I wanted but everyone should know patience is a virtue.

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.

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.

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..

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.

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..

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..

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.

Hunter has been fantastic… Everyone is super enthusiastic and ready to help repair your credit… Prompt service and good results!!!

Turk is a great agent who is very knowledgeable. I have really appreciated all his hard work and help to repairing my credit.

Thanks to MSI helping us clean up and improve our credit, within six months my husband and I closed on our dream home! Thanks Jameson and MSI.

I contacted MSI to help me fix my credit and it's been going smoothly, My credit went up 100 points and Tyler has been get help

MSI solution credit been very helpful to me they are very friendly and very helpful. Call Kendrick G cause he is the one to get the job done

I've used this company and they have done a great job. Tyler M and his staff has always been there when I need them.

Good and effective advice and positive and kind service! Thank you, Tyler with MSI Credit Solutions.

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.

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

I like most the transparency and information and of course the progress. Hunter is awesome!

one of the best places to work. The ceo is hands on and gets the best out of you!

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.

Fast work, Reasonable prices, good communication, and No issues

They did exactly what cecilio said they would do. He’s absolutely the best!

I was always able to get ahold of someone when I had questions.

They worker are so nice and very helpful!!

Raised my score in just a few weeks. Can't wait til it goes up more

AWESOME service and AWESOME customer service bar none!!

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