CREDIT REPAIR SERVICES: ATTORNEY-POWERED CREDIT REPAIR <!-- -->St. Louis<!-- -->, MO

ATTORNEY-POWERED CREDIT REPAIR ST. LOUIS

Beautiful architecture, historic metro areas, and tight-knit communities make the Gateway to the West, St. Louis, an attractive place to live. With great employment opportunities, sprawling parks, and top-notch school districts, St. Louis is a thriving and charming city that has become home for many. If you find yourself wondering how you stack up financially in comparison to your neighbors and coworkers, St. Louis holds an average credit score of 655. When the city is dissected and analyzed by zip code, there are some areas holding a median score of 532. Ouch. Missouri as a whole is the 18th worst state for student debt, with the average student clocking in at around $29,183. Having to shoulder the burden of a poor credit score and financial hardship can really hinder your ability to live life to the fullest.

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How Does Credit Restoration Work In St. Louis?

Your finances are a mess and Credit Karma is sending daily emails to rub your poor credit score in your face. So, how exactly did you acquire this three-digit number? Credit scores are determined using the FICO® formula. Your full financial picture, including the types of credit you have, debt ratio, payment history, the length of your credit history, outstanding balances, and new credit lines you may have recently opened are all factors used to calculate your score. Ranging from 300 to 850, having poor credit can weaken your purchasing power and disrupt your everyday life. This is because lenders and creditors will put you into the “risky” borrower category, causing your interest rates to skyrocket and your loan applications to be denied altogether. The good news is having bad credit isn’t permanent if handled correctly. For Mound City residents, unemployment, unexpected expenses, and managing loan payments can lead to payments slipping through the cracks and a higher debt to income ratio. With a low credit score, comes a number of unpleasant barriers and hardships, like high insurance premiums, application denials, extra fees, and the inability to procure a loan. Instead of grabbing a bucket of ice cream and crying in the closet as a debt collector pounds on your door, you needed to address your poor credit to avoid financial instability. Our St. Louis credit repair services are designed to restore your credit standing so you can enjoy everything the Lion of the Valley has to offer.

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Credit Repair Company Reviews

What Credit Repair Services We Offer In St. Louis

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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 St. Louis

The Phenix Group

When you partner with The Phenix Group, a legally compliant St. Louis 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

St. Louis Credit Repair

Working on credit, in a City near you

Here at The Phenix Group, we work with an independent law firm and team of credit specialists to provide high-quality St. Louis credit repair. We work to identify inaccurate, outdated, or unverifiable information on your credit report, as these items negatively impact your credit score. By requesting reports from Transunion, Experian, and Equifax – the three main reporting agencies – our team can work diligently to remove items that are harming your credit standing. We know how disruptive a poor credit score can be.

As credit repair St. Louis specialists, The Phenix Group will design a personalized strategy to help you revive your financial health and improve your credit standing. From loan consolidations to debt settlements, our mission is to help St. Louis residents overcome financial struggles.

Frequently Asked Questions

We Fix Bad Credit

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