Austin, dubbed the Live Music Capital of the World, is becoming one of the fastest-growing metro regions in the U.S. While the impressive music scene, booming job market, and lip-smacking Tex-Mex options may help the local economy prosper, it’s also causing a surge in real estate pricing and living expenses in Austin. With the median price of a single-family home now selling above the national average, it’s no wonder that Austin residents are averaging a low credit score of 682. The home of SXSW pales in comparison to surrounding cities like Georgetown, TX, with an average score of 724 and Cedar Park, with a score of 716.

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How Does Credit Restoration Work In Austin, Texas?

The scoring standards come from FICO®, a formula used by credit card issuers, lenders, and other creditors to evaluate how likely it is that you’ll pay your bills, debt, or mortgage on time and in full. When assessing your credit risk, the FICO® system conducts an audit of your payment history, debt ratio, length of credit history, new credit, credit mix, and accounts owed, to calculate a credit number between 300 and 850. If you reside in the Austin metro area and are dealing with poor credit, there are a number of credit repair solutions designed to give you financial freedom that tastes as sweet as all the charcoal-glazed-barbecue that Texas cuisine has to offer. Austin, Texas credit repair services can help you recover your score and dispute inaccurate info.

Having bad credit doesn’t mean you need to carry around the stigma of being irresponsible. Unforeseen life events, such as a medical procedure that delivered a mountain of bills, can happen to anyone, and lower your credit score, and cause financial hardship. Even mistakes from our youth can follow us into adulthood and negatively impact our credit scores. Despite how you arrived at your current score, our Austin credit repair services will ensure you continue to cheer on the University of Texas Longhorns and be greeted by Stevie Ray Vaughan’s glorious bronze statue by helping you repair your credit score.

Read reviews from our clients to learn more about how TX credit repair services can help you.

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What Credit Repair Services We Offer In Austin, TX

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 Austin

The Phenix Group

As a legally compliant Austin credit repair company, The Phenix Group strives to deliver timely and personalized credit repair solutions for our clients facing the harrowing challenge of having a poor credit score. We get to help our clients take important, life-changing steps to improve their credit score and achieve the goals they set out to fulfill. With credit repair Austin, there’s no feeling more rewarding than the gratitude we receive from those who we’ve worked with. Knowing their lives were drastically altered for the better through the care and personalization we gave towards their credit challenges is why our office does what we do every day and why we offer credit repair Austin, TX.

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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

Austin Credit Repair

Working on credit, in a City near you

When legitimate errors are brandishing your credit report, using a credit repair service can help dispute and remove all these inaccuracies in your info. From your personal information being listed incorrectly to reporting errors from mortgage and debt lenders,

The Phenix Group, together with an independent law firm, is committed to amending these errors to boost your credit score and help you achieve a healthier financial standing. Our credit-savvy analysts and credit repair services in Austin, TX are well versed in all the nuances of the credit industry and can expertly negotiate with lenders and creditors on your behalf to offer real results.

Frequently Asked Questions

We Fix Bad Credit

100% Free Consultation

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