MSI Credit Solutions

Review Score 9.1


MSI Credit Solutions Review

MSI Credit Solutions is a credit repair company founded in 2006 that can help boost your credit by removing negative items from your credit report. The company does not have fixed pricing. Instead, they will base your initial fee on your credit report analysis, which is conducted during a free consultation.
MSI Credit Solutions offers a couples discount and a money-back guarantee if they don’t increase your credit score by 50 points. They can also help you establish credit by recommending products and services, but they don’t offer credit monitoring or budgeting services.

Pricing

Starting from: $30+ for initial setup fee ($98 monthly fee for singles and $69 for couples) Pricing model: no fixed rates (pricing is based on customer’s unique needs) Free consultation: availableMSI Credit Solutions does not offer a fixed pricing plan. They claim that everyone’s credit history is different and that it wouldn’t be fair to charge everyone the same price. Therefore, the company will base your initial fee on your personal situation.


There are two costs associated with their service fees. The first is an initial investment (or your one-time startup fee) and the second is your monthly payment.

The initial setup investment starts as low as $30, but this will depend on several factors, including the number of negative items on your report, the amounts of each, and the agencies reporting them.

They have two options for your monthly fee – $98 per month for just you or $69 per month if you sign up as a couple with your significant other (you don’t have to be married). The couples discount allows you to save $58 per month.

 

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Pros and Cons


PROS:
  • Unlimited dispute letters to Experian, Equifax, and TransUnion
  • Debt validation letters to creditors and collection agencies
  • Money-back guarantee if they don’t raise your credit score by 50 points
  • Couples discounts available (you don’t have to be married)
  • Free credit consultation with a senior credit expert
  • Cease and desist letters to collection agencies
  • 24/7 online access to your portal

CONS:
  • No upfront pricing


FINAL VERDICT – MSI Credit Solutions offers unlimited disputes to all three major credit bureaus. They also provide debt validation letters and cease and desist letters to collection agencies, but they don’t tell you how many of these you get per month. They also don’t provide credit monitoring or other add-on services that some credit repair companies offer.
MSI Credit Solutions uses a personalized approach to your initial setup fee depending on the extent of work that needs to be done on your credit report. Someone with a lot of disputes will likely pay more than someone who only has a few.
You can meet with a credit expert at MSI Credit Solutions for free before signing up to get your pricing and terms, but they do not appear to be staffed by attorneys like other credit repair companies sometimes are. They can also help put you in contact with products and services that can help you establish credit or you can find credit information on their website.



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Benefits

  • MSI Credit Solutions does not offer fixed pricing. This means that if you only have a few disputes on your credit report, you won’t be charged as much as someone who has more than you. The one-time setup fee starts as low as $30, but it will likely be more if you need a lot of work done to repair your credit.
  • MSI Credit Solutions offers a money-back guarantee if they don’t raise your credit score by 50 points, as long as your account is paid and you don’t have any outstanding fees. Keep in mind that it will likely take around six months to see results on your credit report.
  • You’ll get unlimited dispute letters to all three major credit reporting agencies. MSI Credit Solutions will work on your behalf to have these items removed, saving you from having to do it yourself. Some credit repair companies will cap the amount of letters you get each month.


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Summary

In our opinion, MSI Credit Solutions provides a good basic credit repair package with affordable rates (if you sign up as a couple). They don’t offer anything remarkably impressive that stands out, such as free credit monitoring, identity theft protection, or budgeting. However, if you need a reputable company to send unlimited credit dispute letters on your behalf, then it’s worth checking out.
The lack of transparent pricing can be a bit off-putting, but you should be able to lock down a firm number after a free consultation. MSI Credit Solutions doesn’t appear to be staffed with attorneys, but their customer services reviews suggest that they can still get the job done. With a money-back guarantee, you don’t have much to lose by signing up for a free consultation.

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Company Offer

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FAQ’s

Why doesn’t MSI Credit Solutions list their pricing on the website?

MSI Credit Solutions does not believe in charging everyone the same initial price. They state that this is because you should look at your credit as an investment. For example, if you took your car into the shop to get repaired, you would not be charged the same for an oil change as you would for repairs. They use this mentality to determine your initial fee. Someone who has a lot of work to be done on their credit report will be charged more than someone with only a few disputes. However, all initial setup fees will be at least $30. The two options for your monthly fee are $98 for singles and $69 for couples.

How does MSI Credit Solutions determine their pricing model?

The monthly service fee at MSI Credit Solutions is the same for everyone. You will either pay $98 if you sign up by yourself or $69 if you sign up with your significant other. However, they will determine your initial setup fee by looking at your specific credit situation. Specifically, they will gather information such as the number of negative items on your credit report (collections, late payments, and public records), how recent these items are, how much they are from, and the agencies and creditors reporting each negative item. They will use these factors to determine how much to charge you to repair your credit.

Does MSI Credit Solutions offer debt resolution services?

According to the website, MSI Credit Solutions offers debt negotiation servings through their savings program. They require that you have exhausted all other options or received validation for any of the credit items on your report before they assist you with the debt negotiation process. MSI Credit Solutions can also help you establish credit by connecting you to their connections that may provide services and products that can assist you. There is also a credit education center on the company’s website. However, this information center is not nearly as extensive as what you’ll find on other sites.

Credit Repair Services
8.1 Total Score
MSI Credit Solutions Review

We like that MSI Credit Solutions will look at your case individually before determining your one-time setup fee. Additionally, the monthly fee of $69 is a good deal if you sign up with your significant other, especially if you need unlimited dispute letters. We also like that you can also access your online portal 24/7 to manage your account and use your contacts at MSI Credit Solutions to establish lines of credit in the future. However, if you don’t have many negative items that need to be removed, you might be able to save money by tackling your credit repair needs yourself.

Services
7.8
Features
8.4
Customer Support
8.4
Price
7.8
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