The Phoenix Metropolitan area, also famously known as the Valley of the Sun, has attracted many residents with its cozy weather and relatively low cost of living. Not only is Phoenix in close proximity to tourist attractions, like the Grand Canyon and Las Vegas, but it’s also widely recognized as one of the fastest-growing cities for software and technology companies. While Sun City West holds the second-highest credit score in The Copper State, with the average around 789, Phoenix residents seem to be struggling to maintain their credit standing, with a median credit score of 660. With such a disparity between the two areas, it’s no surprise that those living in Phoenix are in need of credit repair.

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How Does Credit Restoration Work In Phoenix?

Credit card companies, lenders, and other creditors used a scoring system known as FICO®. Why is it so important? Because it assesses your credit risk – communicating whether or not you are likely to make timely payments on bills and fully return the borrowed funds. Ranging between 300 and 850, your FICO® score is calculated based on a number of factors, such as the length of your credit history, accounts owed, payment history, debt ratio, and the type of credit mix you have. For those with poor credit, there are numerous credit repair solutions you can implement to help make your score as pleasant as the striking desert mountains in Phoenix, Arizona.

Having poor credit isn’t synonymous with being irresponsible or mean you’re branded with your current score forever. Often, unanticipated situations arise, like having a costly medical procedure. It could happen to even the most fiscally responsible individuals and cause them to go through financial hardship. Regardless of how you reached your current credit score, our Phoenix credit repair services are designed to help those in The Grand Canyon State reclaim their financial freedom.

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Credit Repair Company Reviews

What Credit Repair Services We Offer In Phoenix

Need help? Talk to an Analyst!

Home Ownership

Home Ownership-Our flagship service! All of our credit repair analysts are well-versed in the mortgage and underwriting requirements. We will work with you (the buyer), your lender, and the real estate professional involved in your purchase to ensure we are able to hit your closing date deadline with efficiency. If you are a first time homebuyer and want help with finding a reputable lender or realtor who will work for you during your home buying process, TPG has a network of trusted preferred mortgage professionals we can refer to you. We take an all-inclusive approach. Our process includes the creidt reporting agencies (CRA's), creditors and third-party collection agencies who have reported erroneous information on your credit report. Going after the inaccurate information on all platforms helps create a permanent result. The Phenix Group will work diligently on your behalf to help raise your credit score. We've helped thousands of people in your position, and we can do the same for you. Contact us today for a no cost credit consultation.

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Business Financing

There are a few options to secure a business loan. Obtaining the funds is the ultimate goal; however, securing those funds at a favorable interest rate can be equally impactful. The most important factor considered in securing any business loan is your overall credit rating. The Phenix Group credit repair company can help restore your credit scores in the shortest possible time, so you can secure your business financing. TPG, a reputable credit repair company, has built relationships with a plethora of business finance lenders to help with all of your business financing needs. Schedule a free credit analysis today to learn more about the credit plans available to you and your business.

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Home/Auto Refinancing

Sometimes we are forced into a loan with significantly higher interest rates. Those rates do not have to be a life sentence, fortunately. Home and Auto refinancing are often able to be obtained after successful completion of our credit repair program. Allowing you to not only obtain lower interest rates but to ultimately substantially lower your debt to income ratio (DTI) in the process. Schedule your free credit analysis today to see how we can help you.

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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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About Us and Credit Repair Phoenix

The Phenix Group

When you partner with The Phenix Group, a legally compliant Phoenix credit restoration company, boosting your credit score is a simple, achievable goal. By first obtaining your credit reports from the three main reporting agencies, Equifax, Experian, and TransUnion, our credit-savvy analysts are able to identify any inaccuracies that are on your report. From having your personal information listed incorrectly to lender reporting errors, The Phenix Group and our expert attorneys, who are skilled in consumer law, will work on your behalf to have any unfair or incorrect items taken off of your credit report. We dedicate the care and respect each of our clients deserve towards understanding the factors responsible for your poor credit score, including your financial challenges, goals, and how quickly you need to improve your credit standing. We custom-build an action plan that specifically tackles your needs so you can finally lower those astronomical interest rates, purchase the house of your dreams, or buy that new car you’ve been pining for. We are so passionate about improving lifestyles, that once we increase your credit score, our credit services will give you the tools needed to set up your financial future for success.

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How We Offer Our Credit Repair Service

  • Step 1: Free Consultation
  • Step 2: Individualized Plan of Action
  • Step 3: Attorney Engagement-if necessary
  • Step 4: Credit Ready
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Meet Our Former Client,


Credit Score: 761 560

I was able to stop worrying about if we were going to get our dream home when more

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Meet our Former Client,


Credit Score: 794 647

I can honestly say, I had a new pep in my step that day. I felt like a new man!

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Take a look at our reviews

Phoenix Credit Repair

Working on credit, in a City near you

Between the diverse culture and bustling urban streets, it’s not uncommon for Phoenix residents to fall victim to maxing out their credit cards. Let’s face it: making new purchases releases just as many feel-good hormones as exercising. However, once that joyous moment passes, we’re faced with a whirlwind of repercussion that we never considered. That’s why it’s prudent to make financial decisions wisely – because ultimately, creditors and lenders use that information to determine your reliability and judge whether or not to loan you money. As you’re looking to repair your credit in the sweltering-hot Phoenix weather, make sure you seek the help of a reputable company.

Whether there are reporting errors, or your personal information is incorrect on your credit report, The Phenix Group, together with an independent law firm, will dedicate their efforts towards helping you secure a healthier credit standing. Our credit repair team has the expertise and knowledge necessary to help you understand your rights as a consumer and formulate a strategy to get your financials in order. The Phenix Group is a legally compliant Phoenix credit repair company committed to providing individualized solutions for those facing the harsh reality of a poor credit score. It’s immensely fulfilling to help our clients implement new financial strategies to achieve their goals.

Frequently Asked Questions

We Fix Bad Credit

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