Credit Repair Testimonials

July 12th,2011

"When I was younger, I was very irresponsible when it came to paying bills and making sure they were paid on time. I never realized the adverse and negative effect it had on influencing my credit score. I thought because I was married to a person who had excellent credit I really did not need my own nor really cared if I had my own credit. It is a terrible feeling to have to rely on someone else and as I got older it bothered me to want to buy something and have to be dependent on my husband. I would use his credit but I would make the payments, which was idiotic as it boosted his credit score while mine remained negative.

In the last 3 months I have paid off all of my outstanding debts. I have made it a point to find out what my credit score was and to contact each company and find out what I owed and have paid them in one lump sum. I contacted MSI to repair my credit and they led me down the golden path. I realize how important it is to remain on top of things and paying my bills as they come in and not at the last minute.

I also went through a divorce that left me attached to a lot of his debt. I gave him our house in court but in the eyes of the bank that meant I was still viable for payments he made late. My name was attached to his credit cards that I never even realized was affecting my credit. All of this was ignorance on my part. I am not going to try to blame him for my stupidity. However, it did depress me and lead me to believe I would never have my own credit.
I have always held good jobs and made a good salary. But that alone was not enough to get me credit. And at times I would become frustrated. Then I would have to rely on cash, which can sometimes make you go broke quick, when an appliance breaks or your car breaks and you have to pay cash to replace it you soon realize the importance of having credit.

A couple of months back my husband and I decided we needed a change in our life. We wanted to move back to N.C. where our families are. Winters last 9 months in WY and it is a deadly drive to work each day. Our trip is 67 miles each way. Our quality of life is not good and we are miserable.
We started looking for a new home and lo and behold we found the house of our dreams. I immediately called to see if we could qualify for a second loan on my husbands credit and was told that our debt to income ratio was not going to cut it. So I decided since I was not on his loan I would try to tackle this by myself. I make good money why not. Well my credit score was so low, that was why not. I was told about MSI credit solutions and got in touch with them immediately to start rebuilding my credit. Victor Burgus was amazing to work with, any question I had he was right on top of it. I am so thankful I heard about MSI and so pleased with all that they have accomplished for me. Within 3 months my score has increased dramatically. They have done such a good job that I intend to stay with them after my contract runs out as a credit monitor.

One of the things that I have started doing is having all my bills automatically taken out of my checking account so that I am never late with payments. It also allows me to pre-determine how much I can spend and save each month. It saves a lot of time and it gives me peace of mind. I am sure it gives the creditors peace of mind as well!

In the last month I have felt like a real person again. It has been such a relief to have all my bills paid and not have any one calling me on the phone and harassing me. Not only that, to see my credit score going up and up each month is so wonderful. 3 months ago I could not have bought a doghouse. Now I have been approved for $380,000 loan. I am flabbergasted. I am so thankful that this has happened. It is a wonderful feeling to know I can buy anything I want on my own credit. I have such a new lease on life- I feel happy all the time and I am not worried. It is such a weight off my shoulders to get this all behind me and know I do not owe anyone anything. This has been a very eye opening experience for me. I KNOW without a doubt I will NEVER have bad credit again."

-Lori M

Rhett,

"I am closing on a house tomorrow at 10am before I get so busy and forget I wanted to take this opportunity to extend my sincere appreciation for you patience and understanding. YOU got it done when we doubted you guys and wanted to bail out numerous times."

Again thank you.

"I was referred to MSI by a loan officer at the V.A. My original goal was to refinance my mortgage from an ARM to a fixed. I got into the MSI program not really expecting too much. I just figured it was another hoop to jump through to reach my goal. Well, let me just say this. I never expected the results to be so good. Within one year, my credit score jumped 113 points, thanks to MSI. The week I received the news, was the same week that MSI contacted my loan officer at the V.A. I received my loan paper work and am on my way to refinancing. Thanks MSI. "

Erica - March 5, 2010

"About a year ago i was trying to get pre approved for a house, well i was turned down. Luckily i was referred to MSI throw the VA, not knowing what to think i decided to go ahead and start the program. When i started my score was 577, was amazed after six months of just mailing in paper work my score jump up 95 points, within a week i got my pre approval from the VA. Now I'm currently in the of buying a house. thank you MSI"

JOE - March 1, 2010

"Thank you and your staff with the excellent work in helping me get back my credit backon track. My lowest score was a 529, and after working with MSI my credit score jumped up to 684! I was able to get my new home my family and I wanted and I even got a new car to spoil myself with!

I have enrolled in the Friends for Life program and while I am working on my own to maintain my credit, it is a great feeling to know that MSI is still there backing me up. Everyone at MSI is great to talk to and very professional in their work! Once again, thank you!! Its not a gimick-if any doubts my name is Ralph P and anyone can email me at ralphpadilla562@yahoo.com if any concerns or questions come up."

Ralph P

"My Loan was not approved because my midrange credit score was 13 points
shy of what the Mortgage company would approve. MSI was given as an option
to improve this score and hopefully secure a home loan. MSI explained the
process and fee very well, but still I was skeptical. MSI said the time
frame on average was 45 to 60 days and the average score increase would be
around 30 points. So off we went completing the start up Legal paperwork.
Less than 30 business days later I was on the phone with my mortgage
company and they checked my credit score. The score had improved on
average 35 points, and MSI was not even halfway through working the
derogatory statement. Many replies had not even been received creditor's
listed within the derogatory Report. The midrange score rose 30 points and
I was approved for a Home Loan. I wholeheartedly endorse MSI and their
entire process has been rewarding in having to deal with allot of erroneous
and bad credit reporting by creditors, collection agencies, and the
Bureaus."

Regards.
Lory Sheffield

"Back in October when I first started working for First Mortgage Corporation I came across a client by the name of Brady. At that time she was not able to qualify for a mortgage due to her credit score was in the 570’s. I transferred her to Troy Haney for credit repair in hopes that I would be able to do a mortgage loan for Mrs. Brady in about six months. I went about working on other loans when I got a call from Mrs. Brady after she had talked with Troy only thirty days in the program stating that her credit score may have already reached in the 600’s.

I then pulled her credit and she amazingly had a 618 fico score. I decided that I could put her on the "opt out credit card list" and get the remaining points needed to meet FHA guidelines. Mrs. Brady got a contract accepted by a seller last week and provided the remaining items for me to submit the loan into processing. Since the credit report was from November I went ahead and pulled a new report expecting to see Mrs. Brady's credit score in the 620's but again to my amazement when I saw her new credit score I instantly became a believer in how quick MSI can work. Mrs. Brady's high score is now a 716!!!! With that said Mrs. Brady will not only get an FHA loan but a better rate as well.

I want to say THANK YOU to Troy Haney and the support staff for not only signing Mrs. Brady into the program but also rising her score so quickly."

Michael S. Jan 19, 2010

"I just wanted to thank MSI and my consultant Corey for getting me into my home, I have had bad credit for over 9 years and MSI got my credit fixed in just 7 months improving my score from a 513 to a 648. Now my son and I have a place to call our own!!! Thank you so much!!!"

Corey B Jan 20, 2010

Jason,
"Hey this is Ashley I wanted to tell you we are very happy to tell you we was approved for a home mortgage yesterday for $87,000. We are very thrilled and cannot believe howmuch you have helped us! When the mortgage company checked our credit and I told them what it was before they couldnt believe that I actually found a good credit repair, the lady said you guys done an awesome job and was very impressed! So thankyou!"
Ashley B Jan 9, 2010

Justin,

"I am very impressed with the way your company makes follow up calls! It nice to know you arent just spending money for nothing and then when the results start coming in it is just wonderful!

Thank You,"

Kim Bead - Dec 15, 2009

"We first signed up my husband, so we could purchase a house. After only 4 months in their program we were signing the papers! Thanks to Justin & everyone else at MSI we just bought a new truck too! We now have them working on my credit reports & after the first month they have already gotten several deletions. MSI has turned our lives around, and I promise they can do the same for you! Thanks a million Justin!"

DeAnna Smith - Dec 7, 2009

"I could write you pages on my experiences with Jason Long and MSI Credit Solutions . But no fancy words or volumes of information can say any more than they will do exactly what they say they
will do .

Jason Long and MSI are outstandingly professional, courteous and the best people I have ever had the pleasure of doing business with . I would recommend them to my own family and that is saying a lot for me.

I had a bad experience with another company in Florida before using MSI and was very skeptical at first but Jason Long and MSI have renewed my faith in honest people. If you have any questions feel free to contact me personally."

Bill Evans

"I applied to receive a home loan through a mortgage company and was denied due to a bad credit score. I didn’t even realize my credit score was low at this time and was a little shocked. The mortgage company turned around and told me about MSI and I’m grateful they did. Within 3 ½ months, my credit has increased over 100 points and now the mortgage company has approved my loan request. Without the help of Jason Long at MSI, my chances of buying a home would be near impossible especially within this time frame. So, I would and have recommended MSI to family members and friends and would definitely use them again if ever needed. Well worth every penny!"

Jeff Crenshaw

"I would like to thank you and the dedicated staff of MSI Credit Solutions. Without your hard work form all I would not have the credit rating I now have. After being enrolled in your program for six months I was able to financing for a new Yukon Denali with no trouble at all. Thank you MSI.

I will keep MSI in mind for any referrals."
Jon Anderson

"Gloria,
You guys are really the best! This has to be one of the best investments I have made… You guys diligently work on my report as if it were your own without judgment! I can truly appreciate that. I will continue to forward you guys things as they come to me. As well as telling everyone I know about the fabulous work you all do. I have just referred a friend (David Pugh) to you guys.

I will continue to do my part by paying bills on time so that all your hard work and my money will not be spent in vain… "
Crystal Davis

"HELLO!!! i have great news, we got a home and we are sooooo happy. i wanted to thank you personally but i have been so so busy. If it was not for you we would not have been able to do this, you were our saving grace. THANK YOU!!"
Julia C, TX

"I just want to say "Thanks, Chris!" I started with MSI Credit Solutions 6 months ago and was living in a modular home. 6 months later, I have a new home, a Harley and a quality credit rating. My credit score gained 100 points in 6 months and still getting deletions. This is truly a great program and it works. I have my wife in the program and numerous colleagues from work. Everyone is totally satisfied with the great work the folks are doing at MSI Credit Solutions. Chris Foster has been phenomenal in communicating back and forth with us and i just wanted to say "THANKS" again!
Lance D, ND

I just wanted to show you my new car and new house. I want to thank you and your team for helping me clean up my credit. I'm very blessed that you were recommend to me. Thank you for your time and hard work.

You guys are GRRRRREEAAATTT!!!!!!!!!!!!!!!!!!!"
Rosalind S, TX

"Without MSI Credit Solutions and My agent Ricardo's persistence it would have been impossible for me to repair my credit alone. With the rise of my credit score through MSI credit solutions, I was able to purchase my first home and a new truck with no problems! I owe it all to MSI Credit Solutions and their diligence and hard work. I would definitely recommend MSI to anyone I know looking to purchase their first home or just simply wanting to improve their credit. "
Jeff H

"I just wanted to say thank you for all of your hard work on improving my credit. The significant increase in my score allowed me to purchase things I never thought was possible. Here are a few pictures of our house. Thanks again Oliver Triana and MSI Credit Solutions, I will recommend you to anyone."
DW, OH

"This is a special note extending our sincere thanks to you for the help you provided us in resolving some of the credit issues we had when we started. If it was not for your help, we would not have been able to get approval for the home loan we had applied for. This note is also to proudly inform you that we did get the loan approval, and we did close on the house. We are very happy with the service you have provided us."
Thanks, Kendall J, FL

"MSI Credit has improved my life and allowed me to purchase a home. My credit score has increased significantly, almost at the highest it could possibly be. I am very happy with the work that MSI Credit has done! "
Laura V, NM

"just wanted to say Thank You to all of you who consistently help me in my credit matters. It helps to know that there are good people like yourselves that truly care and truly want to help others."

John C, CA

"MSI Credit helped us get into a new house. We were so stressed out because we couldn't qualify. In two months, our credit was almost perfect and we bought our dream house. Thank you so much! Great job!"

Paul R, NY

"Cuando mi esposo comenzó a restaurar su crédito pense que iba a hacer una pérdida de dinero pero despues de varios meses de la compañía estar arreglando su crédito podimos comprar la casa que tanto necesitabamos. Ahora yo también me encuentro en el proceso de mejorar aún más mi crédito para inversiones futuras.... Entre mejor mi crédito menos dinero que tengo que pagar en interéses."

Marisa T, TX

"hello
my name is David Winstead i have a story to tell you and by the time i tell this to you too will be a believer in the year 2006 Oct our life was changed from not having anything to having the world at our call in just 8 months don't stop reading now because the truth is here now .we were contacted by this company MSI credit solutions and at first we thought this was some type of gimmick. after talking to this company they assured us that in as little of 8 months our financial situation was not only cleared but our credit scores went from 425 to 725 in that time period now to remind you i wasn't able to get a watch on credit without on cosigner that's no lie and my credit report looked like a small book that you read to your kids at nighttime but more like an nightmare story. my wife also got on this program an in four little months her credit went from 430 to 730 enough that when she applied to Sallie Mae for our kids to get help for there college education we received an yes answer before we even hung up the telephone . that's the gods truth . now we are finally looking to purchase our first home since we have been married for over 27 years now if this story don't get you to follow your dreams then delete this message and continue on thinking i can do it my self are pay someone 500 dollars to do nothing but take your money and run for the hills. you can contact us at anytime at this email address are if you really considering the real deal call us eastern time after 700 pm and tell us your name and number an we will gladly give you the all the info we have."
David W

"Great news I have my first person to send to you. I was so excited this morning when I got to work I told my boss about you guys and I'm just waiting for my welcome packet because he has most of the same problems I have. I will be giving him your number......You were surely sent from above you are my new best friend…I could not tell you how wonderful I feel at this moment…….Thanks"
Rosemary, TX

"MSI Credit Solutions produced results for me in the first 30 days. My credit score went from the low 400’s to the low 600’s just that quickly! They do all the work for you and make it a painless process. I recommend them to anyone, friends and family, who need help with restoring their credit."
J Williams

"was told about MSI Credit Solutions by a co-worker of mine who is also experiencing with them as well. MSI had started working on my credit at the end of November 2006. March 2007 I refinanced my car with a credit union and I was approved for their promotional rate of 5.49%! My credit score went from a 655 to 810, and they are not through yet! I am so thankful that I was told about MSI Credit Solutions. We all have heard of different gimmicks trying to persuade us to believe that they can make our credit better. Speaking from experience, you can not go wrong investing in yourself when it comes to having MSI Credit Solutions to help you restore your credit. What do you have to lose? You won't regret it. Thank you so much MSI Team!! "
Yvette F, TX

"Hola Cesar Franco:
Quiero agrader a ti y a MSI Credit Solutions, por el resultado obtenido en mi reporte de
credito. Yo no creia que mi puntuaje pudiera mejorar, ahora mi puntuaje mas alto es alto 750 y el mas
bajo es 701. Gracias a estos resultados podre comprarme el auto que quiero y ahorrar dinero en el
futuro. Gracias por tu absoluta seriedad, conocimiento y servicio. "
Jessica C

"Thanks to MSI Credit Solutions my husband and I are able to buy the house we need in 4 mo instead of years! I went from having a 0 credit score to 674, and my husband went from 509 to upper 600's! It's unbelievable!! They were able to get 14 or more negative items deleted from my husbands report and now we actually have companies telling us we have EXCELLENT Credit!! If MSI can do that for us, they certainly can for anyone else as well."
Heather M

"Just wanted to write you and tell you Thank you for helping us getting our credit back on track. Thanks again MSI Credit yall are the bomb."
Debbie & Randy L

"Hope you are well. I just got some stuff in the mail from trans union and guess what? That Toyota Financial that was taking for ever to come off just came off and so did 2 other items. You guys rock!!! I've placed it in the mail you should get it by Thursday. Thanks a lot...Oh! and guess what else, I just got my Mav's tickets in the mail. I'll let you know when a game comes up. Talk to you later."
Sebastian N

"Thanks to you and your co-workers at MSI I am sleeping much better. I know
a house mortgage is on the horizon. The first time I met with you, I was
very skeptical about the credit repair business. I had read stories about
credit repair being a scam. After my scores jumped from the mid 400's to
mid 600's in 45 days, I am a believer. Thanks for treating me with so much
respect. You guys are miracle workers."
Shannon H

"My name is Felix E. Egwuagu, Chima Egwuagu's brother. My brother recently told me about the amazing job you did in improving his credit. I want to work with you to do the same for me. I work offshore so I'm emailing you rather than calling you at this very moment. I want to get this started as soon as possible. I'll try to give you a call sometime tomorrow morning, but respond back to me with what information you need from me as well as the cost. Thank you."
Felix

"wow!!! thank you troy.
i am having some more mail forwarded to me soon and will send the items to you right away. i am so pleased the Lord put it on my heart to do this when i did. we will get the credit fixed probably just in time to get our house. my husband is still stuck overseas but we hope to have him home within 6 months. i really do appreciate all of your help and you wonderful positive attitude."
Veronica R

"I want to express my sincere appreciation and thanks for the great job all of you did to resolve my credit profile issues and in particular Oliver for being a calm, competent and effective consultant. Everyone at MSI Credit Solutions, with whom I had the pleasure of speaking, was professional, attentive, helpful and genuinely considered of my situation. I could not be more pleased with your credit resolution program. I must say that I was skeptical and had no idea what to expect, but I am overjoyed at the method of delivery and the results achieved in such a short period of time.
Your program has given me a second chance. Words cannot express the gratitude for all you have done for me. I would recommend your credit resolution program to anyone interested in restoration of their credit profile. You are outstanding and incredible at what you do!! Much success and thanks again..."
L. Dunn, LA

"I received a credit report from Experian. I am putting it in the mail to you today. Wait till you see it!!! I can’t believe the amount of stuff that has been removed
Thanks,"
Jinger R

"I had tried to get my credit fixed many times, but no one could get the job done. Other companies were just full of broken promises. With MSI, everything was different. These guys stayed on top of me to make sure I got them the information they needed to get my credit to where it needed to be. Not a week past in which these guys didn't contact me with either a courtesy call or just a call to insure I am mailing my information back to them. I am someone who is known as a procrastinator, but it didn't matter because these guys always called to make sure and remind me to get information back to them so I could reach my goal of having good credit. Before this my credit was terrible I couldn't get approved for anything. I m happy to say today I have great credit because of MSI. They cleaned my credit profile up and increased my score to never ever seen scores. You can call it a miracle but they succeeded. As soon as I told my brother my score he called them immediately. I refer all my friends to them because I know no job is to big or too small for them. I wrote this testimony because I don't know if I actually ever thanked MSI for fixing my score. Well Thank you guys for staying on me, for all the weekly reminder's, and for increasing my score by 157 points. I am grateful."
Chima E

"My name is Angelle and I have been trying for 4 years to get things right with my credit. I have paid debts off, I have paid bills on time and for some reason my credit never changed. If anything it got worse. I couldn't understand why this was happening. I started researching credit repair companies and I cant tell you how may of these companies are a bunch of scammers. If you are anything like me every dollar counts. Well I kept coming back to this website for some reason. I am not sure why but my gut kept telling me to call. I did all the research I possibly could on MSI Credit Solutions and for once I am not being scammed. It may cost a little more than the other companies but just remember you always get what you pay for. I was turned down once again for a home loan and that's when I decided it would be worth the extra money. I talked with Victor Burgass and he has gone out of his way to help me. It was only 28 days into the program and YES I was finally approved for my house. I have always thought that these testimonials were a bunch of people just getting paid to do so. I would not be writing a testimonial if it was a bunch of bull. Because like you I am a hard working single parent trying to make an honest living and all I wanted was a house to call home. Now I have this thanks to MSI. I will be closing at the end of this month. If you are thinking twice about signing up with this program; the best advice I can give you is stopping thinking and DO IT! You will not regret it. I would recommend this company to anyone who is serious about their credit report. That's not the best part either the phone quit ringing off the hook and I don't have to be afraid to answer the phone anymore.
Thank You for all you have done "
Angelle R

"My FICO score has gone up to a 626. I may be naming my first born son after you. "
Jinger R

"I just wanted to write a little bit about how MSI Credit Solutions helped my husband & myself. We wanted to buy a house, but my ex-husband had nearly ruined my credit and my husband had basically no credit because he didn’t owe anyone for anything. Ricardo Mendiola and the folks at MSI told us exactly what to do to fix our credit situation. We followed their advice and in a matter of months we were able to be approved for a home mortgage loan. Now we are able to stop wasting money on rent and are able to grow equity in our own home.
Thank you so much, MSI!"
Kimberly P, 7th Grade English

"I have been with MSI Credit Solutions for about three months now and have received phenomenal results. I have had numerous deletions on a three bureaus…things I lot would never be deleted such as late payments. Not only is their knowledge base broad regarding the laws and regulations of credit repair but their service is personable and upfront. Thanks for everything MSI Credit Solutions. "
A Allen, TX

"God opened up a door for us when we found out about MSI. MSI is a great company and we have nothing but good to say about it. The people who work at a business, any business, are what make a company good, bad, or great. MSI's employees have taken the company to 'great'. They are passionate about what they are doing. I feel fortunate that there are people out there who want to help those considered a 'credit risk'. We have been treated with respect, understanding, and most important of all, no judgment. MSI is a "gold star" business in my book in terms of how they treat people. I have recommended MSI to others and will continue to do so. Thank you sincerely. "
Ann M, ND

"Hey i got good news!!!! I called that mortgage place yesterday and when they ran my credit it was a 702!!! i was like um are you sure? well she said that the one they ran showed that some of the Cingular ones are starting to drop off !! So I got approved!! Not much but its enough to start us out with a little home for now!! So me and Steve were telling our friends that we are staying with right now and they are really interested in going thru you guys... thank you!! "
Jessica B

"Chad and I just wanted to drop you an email to say "THANK YOU" for everything that you and your staff are doing for us to get us into a home. We truly do appreciate it. You have been great throughout out this whole process, we also hope that you can get some of our friends and family who may need the help to come to you. Thanks again, Shawn, for everything you do... "
Tabitha and Chad C

"For individuals like me who have been faced with unfortunate credit situations, MSI Credit Solutions has proven to be a very important investment that has resulted in huge dividends for me and my family. Right from the beginning, I was told MSI would do all the work for me to help restore my credit and the process would be done in approximately six (6) months, and as a result, my credit score went from the mid 500's to a mid 600 average for all three credit bureaus. I strongly encourage anyone including friends and family to make MSI Credit Solutions your choice when needing or seeking credit restoration help and assistance. Once again, thank you Troy for your patience and due diligence over the last six months. Nice job!! "
Walter R

"They just did a rapid re-pull and I'm sitting at a 728 middle score! Looks like we'll be getting the mortgage we needed. Thanks Shawn. You guys did outstanding work to pull my credit score up where it needed to be to get into our first home. I'll be referring your services to anybody & everybody. "
Jeff H.

"To potential MSI Credit customers: 7 October 2008 If you are reading this letter, then you are obviously on the MSI website. And if this is the case, you are probably wondering "is this for real? Can they really help me?" As a very satisfied customer who has seen firsthand the magic that these folks can do, let me tell you emphatically "YES, they can help". I started the program in February of 2008. My credit was dismal, with an average score of 532 and 5 collections showing on my report. While salary-wise I was doing well, my credit was just terrible and didn’t know what to do. By chance, I came upon the MSI site, like you are now, and read about the program and looked at the testimonials. It sure looked good on the screen, but I had my doubts. I filled out the online form and was quickly was contacted by Troy Haney. Troy and I set up a time to talk and he explained the process to me in the greatest of detail. I figured that there was nothing to lose at that point, so I signed up. Now, the beauty of this program is that the work you yourself have to do is minimal. Provide a current credit report and any/all of your bills/collections/etc. Promptly mail an correspondence that you receive to MSI. That’s it. The professionals at MSI take it from there. I received a status report monthly, and at times semi-weekly. Troy was (is) always there to answer every question and to provide advice. A short six months later, my score from all three reporting agencies are near 700! This is the first time in, well, as long as I can remember that they were this high. And this is only the beginning. So, take it from someone who was in the same position as you the reader may be in. The program works. It is easy. It gives results. To paraphrase a famous ad, "Just do it"."
T. Garbo