Brett
Expensive, lacked results, shared my information with a mortgage lender
Within 7 days of signing up with MSI the agent that guided me through the contract process and promised to be my advocate left MSI or was no longer reachable, from that point forward all collaboration stopped, putting the burden on me to call, email, and ask them questions on status. When MSI called back they played cat-and-mouse by email and phone with a different representative, every time, that didn’t even read notes on the account, or provided really basic information. 60-days in, MSI was only checking 2-of-3 bureaus, forcing me to resolve an issue they promised to fix. At the end of 144-days nothing was removed from my credit not even the misspelling of my name or incorrect residential addresses which should have been the easiest items to resolve, this led me to cancel before spending another $138/month; at cancellation I've spent $1,198. Additional issues: MSI shared my SSN & Password information in an unencrypted manner by email. One of my credit bureaus let me know by mail that requests were being sent incorrectly by MSI Client Services, but MSI dismissed the issue. 60-days in I started receiving text messages and emails from a mortgage lender representing themselves as MSI or associated with MSI, without permission; after I asked them to stop, the mortgage lender kept calling, texting, and sending emails; I eventually marked it as spam and blocked the numbers on my phone. This was an expensive and unproductive experience on a simple credit matter, MSI just sent demand letters to recipients without a strategy or tactical awareness. In my opinion I would not recommend their services based on my documented experience. Additional notes to consider: “MSI will refund to client initial service fees”, I’d suggest reading the 1-star reviews on this site to seek clarity in this statement. MSI’s response to some customers posting negative reviews contain personal and financial information, this is concerning to me as a reader/reviewer/consumer, again read the 1-2 star reviews posted on this site.
Response from MSI Credit SolutionsOct 27, 2022
Brett, thank you for your communication. Your feedback is appreciated, and we would like the opportunity to address your concerns. The agent who assisted with your onboarding is not the person that sends out the audits on your behalf. Our inbound customer support team helps our clients with all their questions when enrolled in our services. Text messages and emails are sent to clients to remind them to contact us with any questions. Our processing department only sends audits to the accounts you permitted us to audit on your behalf. MSI does not control the information reported on the credit reports. If a bureau is not populating or reporting credit scores or information, we highly recommend that our clients contact the credit monitoring company. Initially speaking to the enrollment agent, they informed you of the MSI housing department and the incentives for using them if you want to purchase a home. Your information SSN information was not shared with them, as you would have to complete an application with the lender to proceed with the home-buying process. When clients express the goal of a home purchase, they will receive educational information from MSI's housing department, allowing all clients to opt-out at any given time. Our program is a six-month program, and the service guarantee does protect the clients of their initial investment when the client meets all obligations stated in the service agreement. Our goal is to provide clients with results, as we are a referral-based company. Results vary, and they come at different times for each one of our clients. We ask for the opportunity to see the services to their completion. We will refund your initial investment if we don't provide results to match our guarantee. We would be happy to discuss this further with you if you would like to call us directly at 214.888.4990 during our operating business hours.