MSI Credit Solutions leverages your consumer rights and works on your behalf to remove questionable negative items from your credit report which results in an increase to your credit scores.
How Does Credit Repair Work?
Credit repair is the process of identifying and addressing inaccurate or misleading negative information on your credit reports. The goal is to improve the accuracy of your credit information, which can ultimately lead to a higher credit score.
Identify Errors
Negative mistakes on your report can bring down your score. We help you find and dispute inaccurate information. We work within FCRA guidelines to dispute inaccurate information on your credit report.
Manage Timeline
Repairing credit takes time. Our guidance keeps you on track and ensures a smooth process.
Break Negative Cycles
High interest rates and bad credit can trap you. We help you break free and unlock better financial options.
Boost Your Score
A higher credit score unlocks lower interest rates, better loan approvals, and a brighter financial future.
Over 70% of our clients see an improvement in their credit scores within the first six months of using our services.
Working with Integrity.
At MSI Credit Solutions, we believe in transparency and ethical practices. We adhere to all Fair Credit Reporting Act (FCRA) guidelines to ensure your credit repair journey is accurate and compliant.
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From understanding your credit reports to disputing errors and building a strong credit history.
Clear Your Credit Report
We Tackle Negative Items Affecting Your Score
Collections: Unpaid debts sent to collection agencies appear as collections accounts on your credit report, significantly lowering your score. We will:
- Analyze the details: Ensure the accuracy of the debt amount and creditor information.
- Dispute errors: Challenge any mistakes found according to Fair Credit Reporting Act (FCRA) guidelines.
- Negotiate settlements: Work with collection agencies to potentially reduce the debt amount.
Example: You find a collection account for a cable bill you don’t remember. MSI Credit Solutions will investigate and dispute the validity of the debt if necessary.
Paid Collections: Once a collection account is paid, it should be marked as “paid” on your report. However, this update may not happen automatically. We will:
- Verify payment: Confirm the debt is marked as “paid” with the creditor and credit bureaus.
- Request corrections: If the account remains un-updated, we will request the credit bureaus to reflect the accurate status.
Example: You paid off an old phone bill, but your report still shows it as a collection. MSI Credit Solutions will contact the creditor and bureaus to ensure it’s marked as “paid.”
Charge-offs: When a creditor gives up on collecting a debt, they may “charge it off” as a loss. This seriously impacts your score. We will:
- Analyze the charge-off: Investigate the details and determine the best course of action.
- Negotiate goodwill deletions: If possible, work with the creditor to remove the charge-off entirely (goodwill deletion).
- Dispute inaccuracies: Challenge any errors on the charge-off information based on FCRA regulations.
Example: You had a medical bill charged off due to an insurance mix-up. MSI Credit Solutions will investigate the situation and explore options for removal or correction.
Medical Debt: Medical bills can be confusing and lead to errors on your credit report. We will:
- Identify mistakes: Review your medical bills and credit report for discrepancies and potential reporting errors.
- Dispute inaccuracies: Challenge any mistakes found, ensuring your report reflects accurate medical debt information.
Explore negotiation options: In some cases, we may help you negotiate settlements with medical providers to reduce the debt burden.
Example: A hospital bill you already paid appears on your report as unpaid. MSI Credit Solutions will dispute this error and work to get it removed.
Repossessions:
While complete removal of a repossession might not always be possible, here are some additional strategies we can explore:
- Work with credit bureaus: We can ensure the repossession information on your report is accurate and up-to-date according to FCRA regulations.
- Time is your ally: As time passes, the impact of a repossession on your credit score lessens. We can help you develop a plan to manage your credit responsibly and demonstrate positive credit behavior over time.
Foreclosures: A foreclosure is a severe negative mark that stays on your report for up to seven years. While complete removal might not be possible, we can:
- Analyze the situation: Understand the foreclosure details and explore potential strategies for credit recovery.
- Guide you through the process: Provide guidance and support as you navigate the path to rebuilding your credit.
Example: You experienced a foreclosure due to unforeseen circumstances. MSI Credit Solutions cannot erase the foreclosure, but we can help you develop a plan to improve your credit score over time.
Late Payments: Even a few late payments can affect your credit score. We will:
- Educate you: Provide strategies for prioritizing on-time payments moving forward.
- Analyze late payment history: Review your credit report to understand the impact of past delinquencies.
- Explore options with creditors: In some cases, we may explore possibilities of negotiating with creditors regarding past late payments.
Example: You have a few late credit card payments due to student loan debt. MSI Credit Solutions will educate you on managing future payments and potentially explore options to mitigate the impact of past lateness.
Bankruptcies: Filing for bankruptcy can significantly impact your score, but it doesn’t have to be permanent. We will:
- Understand the legal timelines: Familiarize you with the bankruptcy process and credit reporting regulations.
- Guide you through credit recovery: Develop a personalized plan to rebuild your credit score after bankruptcy.
Judgments: A judgment against you can lower your score and limit your access to credit. We will:
- Review the judgment details: Understand the nature of the judgment and the creditor involved.
- Explore settlement options: If applicable, we can help you negotiate a settlement to potentially satisfy the judgment and improve your credit score.
- Dispute inaccuracies: Challenge any mistakes in the judgment information following FCRA guidelines.
Example: You received a judgment for an old parking ticket you didn’t know about. MSI Credit Solutions can investigate the details, explore settlement options, and dispute any reporting errors.
Tax Liens: Unpaid taxes can result in a tax lien placed on your property, severely impacting your credit score. We will:
- Help navigate tax resolution: Guide you through the process of resolving the underlying tax issue with the IRS or state agency.
- Request lien removal: Once the tax issue is addressed, we can help you request the removal of the lien from your credit report.
Example: You have a tax lien due to an error in your tax filing. MSI Credit Solutions can’t resolve the tax issue itself, but we can help you navigate the process and request lien removal once it’s settled.
MSI Credit Success Stories
We believe in results. See for yourself the real impact we’ve had on businesses like yours. Our client testimonials showcase the power of our credit repair services and the positive financial outcomes they can achieve.
Frequently Asked Question
Don’t fall victim to credit repair scams. Choose a trusted partner.
You can schedule a consultation online today or reach us toll free at 1-866-217-9841. You will be connected to one of our experienced credit repair consultants. Your consultant will require a tri-merge (three bureaus) report to review. If you do not have one available our consultant will direct you to where you can obtain one.
No two credit reports are the same, and therefore it is crucial to meticulously review your comprehensive credit report. Different factors will determine the cost of repairing your credit. MSI Credit Solutions does not offer a fixed rate as it is not fair to charge an individual with 5 negative line items, the same as somebody who has 35 negative line items. The price of the program varies, due to the fact that there are a number of things that go into consideration when customizing a solution that meets your needs. There will also be a monthly fee associated with the services of $98 on an individual account or $69 each on a couples account. Your first monthly fee will not be charged until a month later.
Everyone’s credit situation varies and due to this results may vary. Our average customer is enrolled into our services for six months. Duration of the program varies due to different factors on each individuals report such as number of items and response time from credit agencies. The duration of services will also depend on your personal goals. Review of your report during the consultation will help with a better assessment of your time frame and goals.
Call us today 1-866-217-9841
Our team of experienced consultants can review your credit reports, assess your current situation, and provide customized solutions to meet your needs. Through a meticulous process, MSI Credit Solutions can help restore your credit by auditing both the credit bureaus and the creditors. This process ensures that we achieve the best results for our clients to have a better financial future! Through the process, our team of credit professionals will additionally coach you on opportunities to help optimize your credit scores and provide additional savings opportunities to assure you a better financial future.
You are entitled to a 100% refund of your initial investment if client meets all obligations, and client does not get a negative/derogatory item removed from each one of the three bureaus (Transunion, Experian, Equifax), MSI will refund to client initial service fees and monthly processing fees previously paid.
Client Obligations:
-Client will promptly forward all communication from credit reporting agencies, collection agencies and creditors to MSI.
-Client must have paid all 6 monthly processing fees.
If obligations of the client are not completed during the agreed term MSI guarantee will be null and void.
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MSI Credit Solutions leverages your consumer rights and works on your behalf to remove questionable negative items from your credit report, which increases your credit scores.
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