FAQs

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First you need to schedule a FREE consultation to speak to one of our Credit Repair Experts. Second, we will require an updated credit report from all three credit bureaus for us to review. If you do not have one available, you can pull one here IdentityIQ.com

*Once we review your credit report, we will call you with your FREE consultation to go over your results, your options and the investment.

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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.

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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.

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MSI guarantees the performance of all services set forth in this Agreement in obtaining an accurate credit report on behalf of the Client, as follows: if the client meets all obligations under paragraph 4 of their service agreement, then MSI will refund to client initial service 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.
• Client must have credit monitoring that contains information from all 3 bureaus and refreshed monthly by MSI.
• Client must not have been deactivated due to non-payment (client must never have been inactive).

If obligations of the client are not completed during the agreed term MSI guarantee will be null and void.

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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.

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No. Letters sent to the credit agencies on behalf of our clients are proprietary information of MSI Credit Solutions. We hold exclusive rights to these letters. We will however provide status updates upon request through our online portal access at portal.msicredit.com. You will also receive responses to our disputes from the credit bureaus, original creditors, and collections agencies which will provide further details of the items disputed and the results.

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MSI Credit Solutions offers debt negotiation services through the MSI Savings Program. Once we have exhausted options, or have received validation for any of the credit items on your credit report, our experienced representatives will be able to assist you with the negotiation process. For more information you may reach our negotiations team at (866) 217-9841.

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From the time the credit reporting agencies and/or your creditors receive the disputes they have, by law, 45 days to conduct their investigation, and provide you with a copy of your updated credit reports which will show your results.

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Please keep in mind that although the credit reporting agencies are by law forced to complete their investigations in 45 days; this does not mean that you will receive your reports at that exact point. There is packaging, mail time, etc. that all has to be taken into consideration. With that said, you can expect your updated credit reports to arrive within 45-60 days from the date your disputes were sent off. This is the absolute fastest any individual, company, or service can provide them for you. This is mainly because every individual or company can only move at the credit reporting agencies pace.

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This is rare. Rest assured, our processing department is constantly monitoring all accounts. Should 60 days pass and no results are received they will move forward with the next stage of the dispute.

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Yes this is definitely a cause to not receive results. It is mandatory that you notify us if you have moved to a new address. We will need an updated proof of residence at that time and will resend the needed disputes to assure you receive results at your new residence.

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Remember, anything and everything that you receive from any of the three credit reporting agencies, original creditors and collection companies must be mailed back to us so that we can continue working on your file.

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We cannot obligate you not to speak to these agencies, although we do advise you to request communication only by mail and not by phone. We do not want them to tell you something on the phone and not have it documented in writing. Also please DO NOT tell them that you are getting outside help from a third party because the bureaus do not respond well to attorneys or third parties.

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More than likely these are Stall Tactic Letters. These can include letters from the bureaus that say that the dispute is frivolous. Although it may seem that you are disputing all items the law is the law and they still have to abide by these federal laws. If you ever feel there is an inaccuracy associated with an item you have the right to dispute that item. Everyone gets these letters as they are an attempt to discourage you in hopes you quit. Be sure to send these letters in as they are still important!

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Yes! The client portal will be an important tool throughout this process and will help you track the progress of your account. To learn more about using the client portal, please watch the following video:

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No, we do not make outbound customer service calls. If you have any questions or concerns, we welcome you to reach out. You can reach our customer service team by phone at (214) 888-4990 or by email at clientservices@msicredit.com.

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Your assigned credit consultant is a point of contact, but you should direct all your questions to Client Services. Our Client Services team has all the tools and education to assist you. You can reach them by phone at (214) 888-4990 or by email at clientservices@msicredit.com.

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Call us today! 866-217-9841