What do you get when you pair the attractive amenities of a metropolitan area with the easy-going lifestyle of a beach town? The Tampa Bay, Florida region. Its diverse community, trendy social scene, array of entertainment, dining options, and artsy museums which make Tampa Bay a truly appealing place to call home. Many Tampa Bay residents, however, are unable to indulge in any of the conveniences the area provides because they’re tangled in a messy web of bad credit. Floridians carry the 5th highest debt load in the U.S., with Tampa families averaging $27,958 in credit card debt alone. Tampa holds a national rank of 1,993 with an average credit score of 648, which means the region is in dire need of credit repair.

In order to determine your credit risk, or the probability that you’ll repay borrowed funds, creditors and lenders use a scoring system known as FICO®. To calculate your score, the system gathers information surrounding your payment history, debt ratio, your credit history length, new credit lines, accounts owed, and the type of credit mix you possess to give you a number ranging from 300 to 850. The reality is, anyone can fall victim to bad credit. All it takes is a few mistakes, like a maxed-out credit card or a couple of missed payments, to damage your financial health. These slip-ups often have a snowball effect, leading to more dire situations, such as a foreclosure or vehicle repossession.

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How Does Credit Restoration Work In Tampa?

When you have bad credit, you’re vulnerable to higher interest rates on your credit card or mortgage loan, inflated insurance premiums, and lenders can deny your application for a new home or car altogether. By collecting your credit records from each of the three principal reporting agencies, Experian, Equifax, and TransUnion, we can effectively identify any errors that are harming your credit report. Because each credit reporting agency may have different information surrounding your financial history, it’s important to analyze all three reports. Having this data is essential for Tampa Bay, FL residents seeking to restore their unhealthy credit score.

Our analysts work to remove outdated or inaccurate information, including details that cannot be verified, such as data reported by a business that is no longer in existence. The credit specialists at The Phenix Group will leverage our industry expertise and knowledge of consumer protection laws to negotiate the removal of errors on your behalf, helping you to give your financial standing a much-needed face-lift. By freeing yourself from the handcuffs of a poor credit score, you’ll no longer have to live your life in constant worry over how your finances will impact your ability to score a new job or purchase a new home. Once you work with The Phenix Group, you can sleep easy at night knowing your financial affairs are finally in order.

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Credit Repair Company Reviews

What Credit Repair Services We Offer In Tampa

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 Tampa

The Phenix Group

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

Tampa Credit Repair

Working on credit, in a City near you

Once your credit score plummets, lenders will categorize you as a risky borrower and refuse to work with you. To creditors, a poor score represents a strong likelihood that you would either fall behind on your credit card or loan payments or completely fail to repay the money altogether. As a Tampa Bay local, having poor credit can lead to denied applications, insanely high fees on utility bills, lofty interest rates, and even jack-up pricing for things like your car insurance.Walking through life with a poor credit score can feel like there’s a dark cloud raining down on you wherever you go. That’s why we’re here to help. Our team of attorneys and credit specialists are committed to understanding your challenges and goals, creating a personalized process around your needs to help elevate your credit score.

Whether you’ve made a few financial mistakes in your youth or circumstances in your past caused your credit score to plummet, you shouldn’t have to carry this weight around with you forever. We help people like you regain control over their financial health, so you can set out to achieve the goals you’ve always wanted to accomplish. From dispute code removal to debt settlements, The Phenix Group will create a custom credit solution just for you! For the Tampa Bay population, that means finally signing on the dotted line for that job, car, or house you’ve had your sights set on, without being penalized or jumping through hoops.

Frequently Asked Questions

We Fix Bad Credit

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