Rise Your Credit Score From the Ashes with Help From a Credit Repair Company
We Are More Than Credit Repair
I have worked with a few other companies in the past and in no way received the support, or results we did with The Phenix Group
Jacquelyn Juarez
from Google
No gimmicks only results. The process is simple but you have to be committed and follow their process in order to get the best results. #ThePhenixGroup
Javier Hernandez
from Google
Phenix Group is hands down the best credit repair company for anyone looking to improve their credit to buy a home, car, etc. As a lending professional, I can attest that they are head and shoulders above other credit restoration outfits.
Sean Spacil
from Google
I followed their plan and MAN oh MAN did they Deliver! 3 months and 150 points later and I just CLOSED ON MY HOME!! BEST DECISION I EVER MADE! WORTH EVERY PENNY!
Stephen Anderson
from Google
Working with The Phenix Group was like working with family. Not only were they incredibly knowledgable, attentive, and on top of EVERYTHING, they were kind, sincere, and truly cared about our goals and our future happiness!
Zaena Cherif
from Google
What Credit Repair Services We Offer
Home/Auto Refinancing
Credit talk is often deemed as negative when you have a less than desired credit score. Significantly higher interest rates on a home or auto purchases are typical for those with lower credit scores. Loan terms may also include other considerable fees due to the risk the creditor is assuming when they have a negative credit score. The Phenix Group is committed to improving your credit; thus placing you in a great position to refinance at a significantly lower interest rate per month, on any of your debt or major purchases.
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Business Financing
There are several ways to navigate securing a business loan. While securing funds is the primary goal; ultimately you want to secure and finance those funds with the best debt interest rate possible. The number one factor in securing any business loan is having qualifying credit. Whether you are needing a short or long term loan, The Phenix Group credit repair company can create a custom plan to maximize your credit scores, in the shortest amount of time possible. TPG, a reputable credit repair comany, also has established relationships with business finance lenders to help you navigate your loan. Schedule a free consultation to learn more about the credit plans available.
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Just Because
It's no secret, credit repair as it relates to home buying is our jam; but that doesn't mean we can't help the everyday consumer improve their credit score, too. Even if you may not currently be in any other category listed above, your credit is no less important. Honestly, it is much less stressful to have time to prep for whatever your goal is, instead of needing help yesterday. No matter the goal, our credit repair services can help with a custom plan for an overall financial clean up, as well.
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Home Ownership
We have designed specific programs to achieve home mortgage finance pre-approval. Your assigned credit repair analyst is well-versed in the underwriting guidelines and requirements. This gives you the confidence that we will be able to place you in a position of a well qualified buyer status by your credit program graduation date. If this is your first home purchase and you are needing direction in the home-buying process, TPG can also recommend a loan officer and realtor from our network of trusted and preferred mortgage professionals.
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About Our Credit Repair Company
Helping Others, Help Themselves
Credit is our passion! Call me bias, but hands down we have the best, most credit educated staff in the industry. There is one intricate part, other than our superstar staff, required to make your custom credit repair plan work--complete client participation. To improve your score, you will need to be as vested as our top credit repair analysts. It truly is a partnership and requires work on both our parts.
A Few Items We Typically Help With:
- Bankruptcy
- Charge Offs
- Collections
- Credit Education
- Debt Settlement
- Dispute Code Removal
- Foreclosures
- Fraud
- Judgement
- Late Payments
- Re-Establishing Credit
- Repossessions
- Student Loan Consolidation
Don’t Trust Us? Trust Them!
Client Success Story
Meet our Former Client,
Vincenzo
Credit Score: 794 647
I can honestly say, I had a new pep in my step that day. I felt like a new man!
Meet Our Former Client,
Jimmy
Credit Score: 761 560
I was able to stop worrying about if we were going to get our dream home when we...read more
November 19th 2021
HOW REPOSSESSIONS AFFECT YOUR CREDIT
Unlike many other forms of debt, defaulting on your auto loan often puts you at risk of repossession. When faced with repossession, many people start to panic. The idea of losing your vehicle and subsequently ruining
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December 28th 2021
HOW EVICTIONS AFFECT YOUR CREDIT
Establishing an excellent credit score seems to be a challenge these days. Maintaining a good credit score seems like an achievement with several economic changes coupled with governmental policies. If you're facing
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February 21st 2022
HOW TO SAVE UP FOR YOUR FIRST CAR
Your driver’s license gives you the privilege of driving out on the road. Whether that’s going to and from school or work or over to your friends for a movie night, a license gets you halfway there. You’ll need a car to literally take
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March 3rd 2022
DOES CREDIT OR INCOME MATTER MORE WHEN OBTAINING A MORTGAGE?
Your credit information and income play a huge role in being creditworthy and getting what you want. With an impressive credit score and an excellent income to boot, you can apply for a mortgage, get a car, open new credit card
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March 9th 2022
HOW COSIGNING AFFECTS CREDIT SCORE
Typical scenario if a family/friend asks you for a loan; however, have you ever been asked to co-sign for a loan? It raises many questions that need to be resolved if you intend to follow through with it, or not.
Read MoreFrequently Asked Questions
We encourage credit education! If our services are offered this will be part of the analysts' credit recovery plan. If the individual simply has no credit, we are more than happy to explain how to establish, maintain, and grow your credit score. The credit repair industry can be difficult to navigate, and we are here to help you through every step of improving your score.
As we are true credit experts, we understand how to implement strategies to address accounts and build positive credit reports. We give one on one, expert advice to get past credit issues and possibly improve your credit score. With our process, we provide more than the typical bureau level dispute. This includes engaging original creditors, finance companies, collection agencies and bureaus throughout our program with a goal to hold them accountable to consumer or federal laws that relate to credit reporting, collection and consumer communication. Many credit repair companies only provide disputes to the bureaus or generic 'validation letters' to creditors. Where some companies will be selective on what credit score issues to address and limit it to a few accounts at a time, we are aggressively addressing everything from the start of the credit repair program. We will evaluate the credit history to create the best plan for improving your score.
Unfortunately, opening short term personal loans can have a negative effect on credit and your scores. They are typically not opened long enough to be effective and aren't always a good financial investment for your credit. It can also give the impression that you had to borrow money to get by when, in reality, you just wanted to build credit and improve your score. Your credit report doesn't know the difference.
We are not a debt consolidation agency. While some credit repair agencies may handle debt consolidation, our company focuses on credit services. Paying debts off your credit report does NOT guarantee the account will then be deleted. Remember, credit and debt are two very separate things. Once we have had a chance to conduct a free credit score and credit analysis, we can strategically determine which accounts, if any, can be paid and negotiate how to get the account deleted permanently so that it doesn't have a negative impact on your score.
Depending on the circumstances behind the late payment and fees, it may be possible to have the payment history corrected or removed from your credit report. You can talk to one of our analysts about your credit report and learn about the repair options available.
Understanding what accounts to pay largely depends on the credit goal in mind. Many different factors such as the date of last activity, statute of limitations, type of account, fees, and how the debt is calculated against debt ratios and balance to limit ratios must be considered. We recommend requesting a free credit analysis to determine the best course of action to improve your score.
Most of our clients see results on their credit score in as little as 60 days from when they start, however, the program can take up to 6-12 months to complete. Remember, this isn't just credit repair, and everyone's situation and goals are unique. We offer a free credit analysis to determine program candidacy and the estimated program duration.
Credit Karma software uses The Vantage 3.0 scoring model for their credit reports as most financial institutions utilize traditional FICO Score models specific to the type of financing.
Everyone's credit is different so the time frames vary. After we analyze the reports and develop our game plan during your free consultation, we can determine how long it may take to repair your credit.
Although, the majority of our credit clients are referred to us by Real Estate Agents and Loan Originators, we are deeply connected to a vast network of professionals all across the country. We would be happy to make the connection for you. Typically, anyone we refer you to will be our Preferred Partner and have been vetted by us. We trust them to provide the highest level of service complimentary to the service The Phenix Group provides to our clients.
Credit repair is an in depth process of improving your credit file by the removal of erroneous, outdated, fraudulent, unverifiable information.
Simply put, credit repair companies-repair credit; although, a good credit repair company will provide more than just that. Things like credit education, advice on opening and closing accounts, coaching on how to attain and maintain great credit are benefits of working with credit repair organizations.
Cost of ligitimate credit repair is based on a number of factors. Every person’s credit file is unique to them and so should the cost of their individualized credit repair action plan. The credit repair cost will vary based on the company and the credit repair program available. The Phenix Group does not do up front pricing, nor should you settle for anyone who does charge an upfront fee. We do not provide a cookie cutter credit program; therefore, we can’t give a definitive working fee until a proper analysis has been conducted and an action plan written out by a credit repair analyst. Thankfully, we offer the analysis and consultation free of charge, so you won't be charged a fee upfront.
Credit repair is something all consumers can do themselves. However, in our experience, most individuals who are not savvy with consumer laws typically do not have much success in their endeavors to repair their credit. It is tedious, time consuming, confusing, and overall frustrating to repair your credit. We have had to help numerous individuals repair damage they caused by disputing their own credit woes.
To get started on repairing credit, you need to understand how credit works, what makes up your credit score, and continuously monitor for score changes. If you have inaccuracies on your credit reports, you should take immediate action to rectify your credit. 35% of your credit score is based on payment history. One of the main ways to repair credit is to immediately start and continue to make on time payments to your current credit obligations.
The fastest way to repair credit is to hire a professional who gives you a custom action plan for your current situation. Depending on your current score and credit circumstances, this is still a lengthy process due to the allotted response times given under law to creditors and credit companies. The most important factor in improving your score is maintaining on time payments with all your current credit obligations and not allowing any new collections to report on your credit file.
