CREDIT REPAIR SERVICES: ATTORNEY-POWERED CREDIT REPAIR <!-- -->Bakersfield<!-- -->, CA

ATTORNEY-POWERED CREDIT REPAIR BAKERSFIELD

Bakersfield, California is a thriving region; its agriculture and oil industries have been booming, keeping the job market healthy. With its miles of hiking paths, delicious locally sourced food, and beautiful weather year-round, Bakersfield is a great location for families of all sizes to settle down and enjoy all the charming attractions the city has to offer. Despite all of its positive qualities, Bakersfield residents are struggling with financial hardship, with residents’ holding an average credit score of 642. This score places Bakersfield in the 14th percentile of U.S. cities, ranking 2180 out of 2534 metropolitan areas when it comes to credit ratings.

Among millennial residents, the burden is even greater, with this generation averaging a score of 600. It’s no surprise, considering this generation joined the workforce during economic hardship, leading to stagnant wages, few job opportunities, and high student loan debt. 19.8% of the entire population is currently living beneath the poverty line (compared to the estimated 15.5% nationwide), as they struggling to shoulder the median monthly cost of housing at $1,153. These stats are a strong indicator that many people living in the Bakersfield region are wrestling with poor credit. Luckily, the negative effects of having a bad credit score can be reversed. The Phenix Group provides personalized credit repair solutions so Bakersfield, California residents don’t have to face this battle alone.

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How Does Credit Restoration Work In Bakersfield?

Bakersfield, California is a thriving region; its agriculture and oil industries have been booming, keeping the job market healthy. With its miles of hiking paths, delicious locally sourced food, and beautiful weather year-round, Bakersfield is a great location for families of all sizes to settle down and enjoy all the charming attractions the city has to offer. Despite all of its positive qualities, Bakersfield residents are struggling with financial hardship, with residents’ holding an average credit score of 642. This score places Bakersfield in the 14th percentile of U.S. cities, ranking 2180 out of 2534 metropolitan areas when it comes to credit ratings.

We’ve been in the industry long enough to understand the pitfalls of having a bad credit score. When not properly addressed, it can slowly creep its way into every aspect of your life – affecting your job, lifestyle, and financial health. Rather than racking up high interest rates or hiding from the debt collector who comes knocking at your door once a day, let The Phenix Group help you live the life you deserve. We are committed to protecting Bakersfield residents from financial instability and repairing poor credit scores.

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Credit Repair Company Reviews

What Credit Repair Services We Offer In Bakersfield

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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 Bakersfield

The Phenix Group

The Phenix Group’s credit specialists, along with an independent law firm, will request copies of your consumer credit report from the three major reporting agencies – Experian, Equifax, and Transunion. Once your information is assembled, we comb through your reports to challenge inaccurate, outdated, or unverifiable information that is negatively impacting your score. For example, there may be a harmful item showing on your report that originally came from a business that has since closed down. In this instance, our credit analysts would request to have this data removed as the source of the information can no longer be verified. Our goal is to customize a credit repair solution around your specific needs and required time frame. As your partner, we work in your best interests to negotiate with creditors and effectively improve your credit score.

We’ve been in the industry long enough to understand the pitfalls of having a bad credit score. When not properly addressed, it can slowly creep its way into every aspect of your life – affecting your job, lifestyle, and financial health. Rather than racking up high interest rates or hiding from the debt collector who comes knocking at your door once a day, let The Phenix Group help you live the life you deserve. We are committed to protecting Bakersfield residents from financial instability and repairing poor credit scores.

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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,

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

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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!

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Take a look at our reviews

Bakersfield Credit Repair

Working on credit, in a City near you

Juggling financial obligations, especially when paired with things like low wages, unemployment, or unexpected expenses can affect your credit in a bunch of ways. Life can throw curveballs at any of us, and when faced with unanticipated bills or expenses, your financial wellbeing can easily take a turn for the worse. For Bakersfield residents who live paycheck-to-paycheck, there is virtually no wiggle room to cope with a financial emergency that may arise. This often forces a person to turn to credit cards or loans to help them through a rough patch, which causes even more bills to pile up in the mailbox.

Just like oil and water, “bad” and “credit” just don’t mix well together. When you possess a poor credit score it can completely turn your life upside down. As a credit repair specialist, The Phenix Group is ready to help snuff out the financial mistakes that have cost you elevated insurance premiums or denied loan application after denied loan application. Your credit score doesn’t have to define your life. We can personalize a solution that fits your needs – from loan consolidations to debt settlements – to ensure you can enjoy all Bakersfield, California has to offer without the strain of financial hardship.

Frequently Asked Questions

We Fix Bad Credit

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