A bustling metropolitan scene paired with classic southern charm is what makes Charlotte, NC such an attractive place to live. This melting pot is made up of young professionals and families alike, all of which enjoy the world-class restaurants, nice weather, and lively music events. While North Carolina is ranked one of the best states for business, those living in sunny Charlotte are shouldering some pretty poor credit scores. With an average credit score of 666 Charlotte residents are sitting at the bottom of the barrel when compared to other North Carolina cities.

So, how exactly is this score generated? The three-digit number comes from a scoring system known as FICO®. Creditors and lenders will use your credit score to evaluate your financial stability and the likelihood that you’d repay borrowed funds. When you have a bad credit score attached to your name, it can completely disrupt your life, leaving you to face high interest rates, loan denial, fees tacked onto your monthly bills, and jacked up insurance premiums. At The Phenix Group, we work with you to improve your financial standing and help you travel in the right direction towards your desired lifestyle.

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How Does Credit Restoration Work In Charlotte?

Everyone is vulnerable to hitting a few financial hiccups. Unexpected life events and expenses can lead to missed payments, defaulting on a loan, and the inability to keep up with your pile of bills. The Phenix Group, along with an independent law firm, will partner with you to take a 360-degree look at your finances, gathering your credit reports from each of the main agencies – Experian, TransUnion, and Equifax. Our team of credit analysts expertly comb through your reports to identify and eliminate erroneous and inaccurate information that’s damaging your financial standing. Because everyone’s story is uniquely their own, we create customized solutions to tackle your biggest challenges and help you achieve your goals.

Many people mistakenly think that all three of their credit reports are identical. In reality, each reporting agency may hold different information, and that’s why it’s essential to comb through all three. Whether there’s data reported from an insolvent business and can no longer be verified, or your personal details are completely wrong, our credit specialists will call upon their experience and knowledge of consumer law to work with creditors and lenders to resolve these issues.

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Credit Repair Company Reviews

What Credit Repair Services We Offer In Charlotte

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 Charlotte

The Phenix Group

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

Charlotte Credit Repair

Working on credit, in a City near you

From an unforeseen layout to mishandling your credit cards, just a few financial mistakes and lead you down a risky path – one that brandishes you with a poor credit score. It can happen to even the most organized, financially responsible individuals. Because, as we all know, life can throw curveballs at us when we least expect it. Managing a mountain of bills while a debt collector attempts to hunt you down for unpaid funds is no way to live.Whether you’ve filed for bankruptcy, or you fell way behind on mortgage payments, these types of errors can cause your financial health to plummet. With a poor credit score, creditors and lenders will see you as a high-risk borrower and can either refuse to do business with you or charge you astronomical interest rates. Rather than endure the stress of financial instability, The Phenix Group can help you find a solution and improve your credit score.

From credit coaching to repossessions to debt settlement, The Phenix Group is committed to helping you reclaim a healthy financial picture. We believe everyone deserves the opportunity to correct financial errors and live the life they’ve envisioned for themselves. Whether your goal is to purchase a new home for your family or you’re in need of a new set of wheels, our credit specialists will pave the way for you to get there. By reversing the damage of possessing a bad credit score, you’ll be able to return your focus to the things that matter most in life.

Frequently Asked Questions

We Fix Bad Credit

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