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

ATTORNEY-POWERED CREDIT REPAIR FRESNO

While California certainly is the Golden State, every city comes with its own nuances and challenges. Fresno, which was once just a small stop on the Central Pacific Railroad, has bloomed into a metropolis with a large population of agriculture-minded individuals. Fresno County farms encircle the metro area and are known for producing a wide range of organic foods, like tomatoes, almonds, peaches, and pistachios. But the area isn’t just for farmers; the metropolitan area attracts people from across the globe with its inexpensive housing, diverse job market, and variety of cultural attractions. Yes, this all sounds great on paper. However, residents of Fresno, California are averaging a credit score of 651, which is below the national average. With low scores, residents can surely use some Fresno credit repair.

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How Does Credit Restoration Work In Fresno?

You know your finances aren’t in great shape and let’s face it: you’re tired of receiving emails from Credit Karma reminding you that your credit score isn't up to snuff. Plus, what does a credit score really mean anyway? This three-digit number, ranging from 300 to 850, is calculated using a system known as the FICO® formula. Your entire financial picture, including your payment history, the types of credit you have, the length of your credit history, your outstanding balances, and your debt ratio are all factors used in calculating your score. When you’re stuck with poor credit, it can disrupt your life and weaken your purchasing power. Creditors and lenders will place you in the “risky” borrower category, which can lead to high interest rates, added fees, and the possibility of being denied a loan altogether. Here’s where you can breathe a sigh of relief: bad credit doesn’t define you. It is not a permanent situation if you seek help. Fresno credit repair solutions can help you improve your credit score, opening the doorway for you to buy a car, secure a loan for a new house, and achieve the goals you’ve set for yourself.

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Credit Repair Company Reviews

What Credit Repair Services We Offer In Fresno

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 Fresno

The Phenix Group

When you partner with The Phenix Group, a legally compliant Fresno 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,

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

Fresno Credit Repair

Working on credit, in a City near you

Things like unexpected expenses, unemployment, or failing to manage loan payments correctly can cause Fresno residents to begin missing monthly payments, essentially racking up your debt. There’s a number of undesirable repercussions that come with possessing a low credit score, such as application denials, pricey insurance premiums, high interest rates, and added fees tacked onto your monthly bills. With all these factors piled on, how can you ever expect to catch up financially? Our Fresno credit repair services will help you boost your financial health and credit score.

That is our mission here at The Phenix Group – to serve as a valuable resource you can use to rid yourself of all that troubling credit-related stress and give you back the lifestyle you always envisioned for yourself. Having a poor credit score can be super disruptive to your life. As Fresno credit repair specialists, The Phenix Group is here to help you rise above financial struggles. We work diligently on your behalf to help raise your credit score – something we’ve done for thousands of others in your position. We can do the same for you!

Frequently Asked Questions

We Fix Bad Credit

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