MSI Credit Solutions review

MSI Credit Solutions prices in two parts: an initial setup investment that starts at $98 and is quoted after a full review of your credit report, then a monthly fee of $98 for a single enrollment or $69 per person for a joint enrollment, a $58 monthly saving for couples. MSI says it does not offer fixed-rate services because cost depends on the number, age and dollar amounts of negative items and which creditors report them. Every enrollment includes a consultation with a Senior Credit Expert, unlimited disputes to all three bureaus, debt validation letters, cease and desist letters, pay-to-delete assistance, coaching and a 24/7 client portal. MSI collects no money until services have been performed, as federal law requires. The company has been operating since 2006 from Dallas and says it has served more than 70,000 clients. The weak point is predictability: you will not know your setup cost until after the review.

Who it is for

couples repairing two files together

Price

Single enrollment $98 per month; joint enrollment $69 per person per month; initial setup investment from $98.

Single Enrollment $98 per month
Quoted from the vendor pricing page on November 14, 2026.

Key features

• Unlimited disputes to all three credit bureaus
• Debt validation letters, cease and desist letters and pay-to-delete assistance
• One-on-one consultation with a Senior Credit Expert
• 24/7 client portal and ongoing coaching
• No payment collected until services have been performed

Strengths and weaknesses

• Strength: Joint enrollment cuts the price to $69 per person a month
• Strength: Pay-to-delete assistance is included
• Strength: Spanish-language service available
• Weakness: Setup investment starts at $98 and is quoted after review
• Weakness: Total cost varies with the number and type of negative items
• Weakness: Single enrollment at $98 is double Credit Firm's fee

Key facts

• Single enrollment: $98 per month
• Joint enrollment: $69 per person per month
• Setup: From $98, quoted after review
• In business since: 2006

Where it ranks

MSI Credit Solutions is No. 6 in our Best Credit Repair Companies verdict.