Lendon Wilson Business Development Manager214-989-3086lwilson@msicredit.comwww.msicredit.comwww.facebook.com/MSICreditSolutionstwitter.com/msicredit

You have 3 options1: You can try and dispute these items yourself, however you will end up not seeing your score increase enough to qualify for a minimum of 2-3 years. In some cases I recommend clients with a couple negative items to try and dispute them on their own, but you have way too many accounts to work on to attempt this on your own. This is because when you dispute an account with the Credit Bureau they do not validate it, they simply verify it, also you cannot dispute more than a few accounts at a time or they will reject your request. The creditor or collection agency has 30-45 days to respond to the Bureau with a document showing your information and the balance. In some cases creditors will not respond within the time frame they have and it will be deleted, however it can always be put back on when the creditor sends the information to the Bureau.

2: You can hire a company to do this process for you for $50-$100 a month, like Lexington or Sky Blue, but the results they will get are the exact same you would get on your own because they do not validate the debt with the creditor directly, they simply dispute accounts with the Bureau only and only 2-5 accounts at a time. Again to see a 49 or higher point increase will take years with this process and you will spend thousands (Do not confuse a comprehensive debt validation procedure with a low cost credit repair service.)

3. You can enroll in the MSI debt validation program to get 50-80% of all the items we audit deleted in 3-6 months, which will put you in the best position to qualify in 3-6 months. We audit all of the potentially inaccurate items you want us to at the same time, in our 5 phase process we investigate each item up to 4 times in 6 months until each late pay, collection account and public record is either completely verified according to the FDCPA, or deleted from your report. Considering you need to raise your mid score by at least 49 points to have a 620 score to qualify for a home. A debt validation process is by far the quickest most effective option you have.

While MSI does have a 50 point credit score increase money back guarantee, our average client sees between a100-150 point increase within 3-6 months. With the amount of accounts you have in with collection agencies,which has our highest deletion rate you should be on the upper end of that average or higher.

MSI CREDIT SOLUTIONSDebt Validation Program Overview

• Debt Validation, how it works and the 4 consumer laws that make it possible to have collection accounts removed from your report for good, without paying them a dime.

• What you need to know about the Law before you pay off old collections.

• Paying off an old collection does not remove it from your report.

• A paid collection vs. a collection with a balance have the same negative effect on your score.

• You never signed a contract with the collection agency so according to the FDCPA the agency must provide a contract that you have with the agency that you legally owe them (this does not exist in most cases).

• Debt Validation can wipe off most collection accounts from your report for good, it is highly recommend you hire a professional however because it is not a simple process. Individuals trying to contact the creditor directly without knowledge of the laws could validate a debt without knowing it, making the account permanently on your report until it drops off in 7 years.

What does collector have toprovide??

Proof that the collection company owns the debt/or has been assigned the debt. This is basic contract law.

They must also provide account statements from the original creditor. If this information is verified we move to phase 4 and we can pin them down on the amount of the debt by requiring complete payment history, starting with the original creditor. What fees/interest has been tacked on to this debt and how they determined these fees?) This requirement was established in 2004.

Debt Validation is a legal procedure which is spelled out by the Fair DebtCollection Practices Act, or FDCPA.

So, if a creditor can't validate a debt:· They are not allowed to collect the debt,· They are not allowed to contact you about the debt, and· They are also not allowed to report it under the (FCRA). Doing so is a

violation of the FCRA, and the FCRA states that you can sue for $1,000 in damages for any violation of the Act.

What you must do1. Pay all of your bills on time, every time, no additional late payments can

appear on your report. 2. Do not allow any additional accounts to go to collections. 3. Open a new credit card and maintain it as instructed by MSI. 4. Do not apply for any credit unless authorized by MSI.

5. Send all updated credit reports and letters from creditors to MSI quickly.

***With you doing your part to build positive history, and with us doing our part to delete the possibly inaccurate items, you will achieve a higher credit score than any other option available. Putting you in the best possible position to become a home owner, get the best rates on new cars and credit cards as well as all the other advantages of having good credit.***

• Named Top 10 Credit Restoration Companies

About Us• MSI will audit every account you wish at once, with the Bureaus and Creditors

We are registered through the Secretary of State Fully Insured and Bonded with Republic Surety

• 50 point increase Money Back Guarantee• 50-80% Average deletion rate in 3-6 months

• Founded in 2006

• Fastest Growing Companies 2011 List (#1064)

MSI has been helping people who have poor credit drastically improve their scores and get into homes since 2006. We will challenge the items on your report that are bringing your scores down. Many of these accounts contain errors, we audit the creditors demanding all documentation required by law be provided to show that the item in question is being reported completely accurately. If the creditor does not have the required documents or does not respond, it must be deleted by law. 50-90% of the items we investigate are deleted. No this is not what most people know as credit repair, which is disputing items on your report and if it is not verified by the Credit Bureau it's deleted temporarily We not only communicate with the Bureaus but also each individual creditor until the items are deleted or proven to be 100% accurate.

MSI 5 PHASE DEBT VALIDATIONPROCESS

• Phase 1 - DAY 1 – MSI will run a background check on all of your creditors to determine if they have a valid license to collect money in your state. MSI will also dispute your outdated personal information with all 3 credit bureaus to remove old addresses, aliases and incorrect personal information. This is an essential step in the process.

• Phase 2 – DAY 5-10 – VIP and Standard - MSI will dispute all of the accounts you wish us to dispute simultaneously with all 3 Credit Bureau’s (They have 30-45 days to complete the investigation, delete items that are not verified and send you an updated credit report in the mail.)

• Phase 3 - DAY5-10(VIP) DAY 45-75 (Standard) MSI will send out a validation of debtrequest to your creditors, asking all documents required by the FDCPA be presented to validate the debt) (They have 30-45 days to send us this the required documentation or it must be deleted from your report)

• Phase 4 - DAY 45-75 (Standard and VIP) Any accounts not deleted by the Bureau, MSI will demand a re-investigation into those accounts and the Bureau must provide us with the document they used to verify they account belongs to you. (they have 30-45 days to send us this documentation)

• Phase 5 - Accounts validated by the Creditors MSI will ask for more information according to the FDCPA be validated, which documents needed depends on the type of account. (They have 30-45 days to send us this documentation or delete it)

Are you ready to be the nextsuccess story?

Past Clients Results

Lendon Wilson Business Development Manager214-989-3086lwilson@msicredit.comwww.msicredit.comwww.facebook.com/MSICreditSolutionstwitter.com/msicredit