Hi, My name is Amanda and I signed up with msi credit about 9 months ago with a consultant by name adrian vega.. he promised that there were number one and that they could deleted just about all the negative items off my credit including late pays.. well 6 months went by and I got 2 item deleted out of 10 and late ways 0. I paid them 1699.00 and on top of that monthly processing fees. I asked for my money back and there answer to me was that the contract said it only applies if they were to get 0 items deleted in 6 months.. I called adrian Vega directly 2 times and he stated there is nothing he could do!! Hes the one that charged me 1699!! That it was a decision f et on the owner ricardo mendiola!! Do not use this company.. they will lose just to sign u up when they know d**n well they cannot provide the results they promised!