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

ATTORNEY-POWERED CREDIT REPAIR SAN DIEGO

Sunny weather, beautiful sandy beaches – what more could those living in San Diego, California ask for. Between its mix of an urban and suburban environment, the world-class restaurants, and a slew of outdoor activities, the City in Motion has been attracting new residents for years. However, while America’s Finest City certainly delivers, it’s also an extremely expensive place to live with the average home costing around $555,325. With all the appeal, comes the downsides. San Diego residents, for example, are battling financial struggles, with an average credit score of 665 and the average credit card debt an estimated $6,481 per household.

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How Does Credit Restoration Work In San Diego?

Often called the birthplace of California, San Diego’s current credit standing as a whole was born from both intentional and unintentional financial actions. To measure the likelihood that you’ll be able to return borrowed funds, your lines of credit, length of your credit history, whether or not you make on-time payments, the credit mix you possess, and your total debt all factor into the equation that ultimately produces your credit score. Your credit report essentially acts as a predictor of your future financial behaviors – such as the likelihood that you’ll default on a loan or the probability that you’ll frequently miss monthly payments. Things like neglecting to pay your bills and frequently maxing out your credit cards can be incredibly detrimental to your financial health, especially if you are living paycheck to paycheck. At the Phenix Group, we know bad credit can happen to anyone. That’s why we provide San Diego credit repair and financial education to help you improve your credit standing long-term. The Phenix Group is home to a number of experienced credit analysts who will assess every piece of your financial picture, with a special emphasis on your credit score, to help you feel burden-free again. Our specialists, along with an independent law firm, will meticulously rake through your credit reports to identify any erroneous or inaccurate information that may be hurting your credit score. We understand that each of our clients has their own unique set of challenges and goals and that’s why our program is customizable to fit your needs. If you continue moving forward without repairing your poor credit, it’ll leave your vulnerable to difficulties, such as the inability to purchase a home, high fees on your monthly utility bills, and trouble landing a new employment opportunity.

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Credit Repair Company Reviews

What Credit Repair Services We Offer In San Diego

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 San Diego

The Phenix Group

When you partner with The Phenix Group, a legally compliant San Diego 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

San Diego Credit Repair

Working on credit, in a City near you

Credit scores can range anywhere from 300 to 850 and are calculated based on a popular scoring system known as FICO®. For those branded with a poor credit score, creditors and lenders will put you into the “risky borrower” category. What does that mean for you? High interest rates, denied loan applications, added fees tacked onto your monthly bills, and pricy insurance premiums.

Thankfully, there’s a solution for San Diego credit repair. The Phenix Group provides a personalized credit repair plan designed to boost your credit score. Not only is the Phenix Group a legally compliant credit repair company, but we also have an amazing staff with extensive knowledge of credit restoration and consumer laws. We’re committed to helping restore your financial wellbeing so you can enjoy the many restaurants, museums, and entertainment that San Diego has to offer. Regaining control over your finances means no more headaches, fees, or loan denials. We can wait to help you improve your credit score!

Frequently Asked Questions

We Fix Bad Credit

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