Choosing The Right Credit Repair Company

Credit Repair is taking a big step forward in improving your financial future. So, choosing the RIGHT credit repair 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 pay upfront costs unless...

Many states require non-law firm credit repair organizations to place a bond with the state as a guarantee that they will comply with local laws, regarding credit repair. When asking for a company’s credentials, make certain that the company you choose is bonded. According to the Texas Finance Code, “a credit services organization or a representative of the organization may charge or receive from a consumer valuable consideration before completely performing all the services the organization has agreed to perform for the consumer only if the organization has obtained a surety bond for each of its locations.” This law was put in effect for your protection and you should know your rights! View Texas Finance Code

• 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 repair company 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 Repair 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. View our credit repair duration average

• You Get What You Pay For

When a credit repair 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 repair 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

Get involved with your credit One of the best ways MSI can help you is by getting you involved. Once you begin to look at your credit report and piece together how it got that way you wil begin to see lifestyle changes that automatically keep you aware of your credit score. MSI will guide you every step of the way. We will teach you how to keep your credit good even when times are tough. 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 free credit repair consultation.

What types of credit can MSI repair?

• Maxed credit cards

Using too much of your credit can hurt your credit scores. MSI Can guide you in the right direction by helping you move balances to keep an even balance of credit. Having all your credit on one card and none on another is not a good solution. When we give advice on credit repair we will open your mind to many ideas that you may not have previously thought about. This is because decades of experience in the credit repair industry. You have nothing to lose by calling us for your free credit repair consultation.

• Skipped payments

Late payments are something that can hurt your credit repair score. They are not devastating but they can have an immediate effect on your FICO score. Once you hire us as your credit repair company we will begin to help you by giving you advice on late payments and what they mean to your credit repair score. The most important note on late payments is you must pay them in some manner, either via a payment plan from your credit card company or by other means. We can help you repair your credit by recommending lenders that will work with you, unlike your credit card company they want you to succeed.

• 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 free credit repair consultation either via phone or online chat.

• Foreclosures

Absolutely, foreclosure is a big deal when it comes to your credit. If you have a foreclosure that is not file properly or lacking information MSI can help you a great deal with credit repair. A foreclosure can alert your lenders to serious problems with your finance. Let us help you and show you why we are one of the best ranked credit repair companies.

• Collections

Once you have paid off all your debts you can still be labeled as a risk because of past collections. They can last up to 7 years and can really put a damper on your credit repair scores. 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. Often times a creditor will well your account to another collection agency and then both companies are reporting your debt. This could mean that you have double the trouble on your report. 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 free credit repair consultation.

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