Hey,
The company u mentioned, MOS, is a big time fraud. Many of my seniors approached the company and they promised to complete credits and provide placements and took a lot of money. around 2-3 lakhs. Even after that they hav not done anything to help get the credits or send anyone to usa for jobs. what they basically do is guide you for the exams u need to take n charge huge amounts of money to giv info. Try doing a bit of research and complete credits on ur own. IGNOU is a good option. But if ur returning to USA, try to complete credits by giving CLEP exams.