Choosing The Right Company To Help You
Credit Repair is taking a big step forward in improving your financial future. So, choosing the RIGHT credit company to offer credit repair services becomes a large part of the equation for great results.
With thousands of credit repair companies out there, it can become a daunting task to find the one that will be the best for you, the customer. Thus, MSI Credit Solutions has provided a number of pearls of wisdom to allow you to make the best choice in finding that company – our credit repair company – MSI Credit Solutions.
Here are some points to consider when choosing a credit repair company. Click on a topic below to read more.
• Do Not Get Caught Up In A Credit Scam
Do not follow the advice of a company that offers to help you get a new credit repair identity. If the company tells you to apply for an Employer Identification Number, which has the same number of digits as a Social Security number, and instructs you to apply for credit using this, it is illegal. This practice is known as file segregation, and is considered a federal and state felony. If you follow illegal advice and commit fraud, you may be subject to prosecution.
• Ask What The Company CAN DO FOR YOU…
Find out the extent of the services the credit provides. Many credit restoration companies will only dispute at the bureau level – few and far between will dispute to the creditors and collection agencies as well! Read more about our credit repair company
• Get The Credit Repair Company Track Record
Ask to see testimonials from customers who have been rendered services and completed the program. Some companies may even allow you to contact the client directly to find out about their credit repair experience! Reaching out to other consumers who have been involved in the process that you are about to endeavor, allows you to hear first hand, about their success!
In addition to reading testimonials, request to see proven results, and samples of the companies deletions. Knowing that the company can not only render the services, but also offer results is what you need to see for yourself. View Sample Results
• You Have The Right To Expect Results
In addition to the services the company offers, find out if the company offers any specific guarantees of results. MSI Credit Solutions has a 76% deletion rate.
Ask about the duration of the program, and if it is required to stay in the entire time, or if you can exit upon satisfaction at an earlier date. Be cautious of companies that require you to be enrolled for a set amount of time, because you should not be restrained by additional financial obligations (i.e. monthly payments) if you have already achieved your desired results earlier than expected.
• You Get What You Pay For
When a credit restoration company provides a price, prior to reviewing your comprehensive credit report, or a fixed price, please be advised that this is a red flag! Each individual's personal credit information is unique, and without having a meticulous understanding about your personal information, the company is making an uneducated guess when offering a price. Also, beware that there are companies that may charge a smaller monthly fee, but require you to stay in the program for a longer duration, thus stretching the prices out.
• Know Your Rights As The Consumer
A credit company should inform you of your legal rights as a consumer. In 1996, the Credit Repair Organizations Act (CROA) was signed into law to protect the public from unfair or deceptive advertising and business practices by credit repair organizations. By law, credit repair organizations must give you a copy of the "Consumer Credit File Rights Under State and Federal Law" before you sign a contract. In addition, the company should also provide you with a written Notice of Cancellation that explains your three-day waiting period. Read these documents before you sign anything!
• Know What You Are Signing Up For
A company cannot perform any services until they have your signature on a written contract and have completed a three-day waiting period. During this time, you have the right to cancel the contract without paying any fees. After this time period, however, services may begin, and it is your responsibility to know the credit repair company's cancellation policy. The written contract must specify the following information:
> The payment terms for services, including the total cost.
> A detailed description of the services to be completed.
> A time period of how long it will take to achieve the results.
> Any specific guarantees the company offers.
> The company’s logistical information such as: name and business address.
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• Your credit really does need you
One of the best ways MSI can help you is by getting you involved. MSI will guide you every step of the way. We will teach you how to maintain your credit score. We will become your most trusted credit repair company that you can rely on when it counts the most. Please do not hesitate, contact us today to get started with your credit repair consultation.
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• Late payments
Late payments are something that can hurt your credit score. They are not devastating but they can have an immediate effect on your FICO score.
Inaccurate collections are one of the biggest problems we face when helping you as a credit repair company. Even small mistakes in the numbers can cause huge problems with your scores. By hiring MSI as your credit repair company you allow us to research and figure out what is really owed and remove anything that is being reported inaccurately. Call us today for your credit repair consultation.
• Charge offs
When you are unable to pay your bills for 3 to 6 months at a time you may experience a charge off. Upon hiring MSI credit we will work with you to identify items on your credit report that may not be accurate. The biggest part of credit repair and what we do best is to identify items that may not be accurate and help you get them removed. Just the removal of one or two items from your credit report can have a huge effect on your FICO score. MSI is one of the top ranked credit repair companies in the Dallas area. Call us today to get started with your credit repair consultation either via phone or online chat.
• Tax Liens
• Student Loans
Foreclosures are a big deal when it comes to your credit report. If you have a foreclosure that is not filed properly or lacking information MSI can help. A foreclosure can alert your lenders to serious problems with your finances. Let us help you and show you why we are one of the best ranked credit repair companies.
• Student Loans
• All Major Credit Cards & Debit Cards Accepted
• Cancel Anytime. No Pre-Set Obligation
• Unlimited Credit Bureau Disputes
• Unlimited Debt Validations
• And once underway, if money is ever tight you can even "pause" your membership until you are ready to continue.