According to a report from Experian, the average debt-per-consumer of residents in the Dallas metro area is just shy of $30,000. In addition to bearing some of the highest debt among Metropolitan regions across the nation, Dallas consumers also shoulder some of the lowest credit scores in America, with a median credit score of 708 on a scale ranging from 300 to 850. If we dissect the numbers further, an estimated 51% of the population are holding what’s classified as a very poor (300-549 range) or poor (550-649 range) credit score.

From the vibrant downtown Arts District to the home of the Dallas Cowboys to the upcoming 10,000-acre urban park, which is projected to be over 11 times the size of New York's Central Park, the flourishing city is experiencing a wealth of economic prosperity. As population growth, business opportunities, and employment gains continue to thrive, it makes living in the area incredibly expensive. For those suffering from bad credit, regardless of the circumstances that caused your credit to plummet, achieving your desired lifestyle or purchasing a home to raise your family in, can feel virtually impossible. This is where credit repair Dallas companies step in to help.

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How Does Credit Restoration Work In Dallas?

If you have bad credit, and live in Dallas, not only can lenders deny your application altogether, but if approved, you’ll encounter higher-than-average interest rates on your mortgage loan and credit card, as well as pay an inflated premium for car insurance.

Living with bad credit can feel like you’re walking through life with shackles tethered to your arms and legs. This is where we intervene with credit repair Dallas. Our client-focused credit analysts and expert attorneys, skilled in consumer law, will conduct a personalized audit to understand your challenges, the factors and behaviors driving your poor credit score, your goals, and what your time frame looks like.

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Credit Repair Company Reviews

What Credit Repair Services We Offer In Dallas

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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 Dallas

How Does Bad Credit Happen in Dallas, Tx?

Although poor credit scores are often a product of our actions, even the most responsible individuals encounter unexpected roadblocks that completely derail their once-healthy credit score. Becoming familiar with the factors that lead to bad credit will allow you to take preventative measures in the future and maintain your repaired credit score. Common areas that negatively impact your credit score include failure to pay bills, making late payments, declaring bankruptcy, and defaulting on a loan. These mistakes can cause your credit score to take an unhealthy nosedive – and they aren’t the only factors that can guide your score down a dicey path. Some less obvious, but equally powerful, slip-ups revolve around your credit card use. Closing old lines of credit, even ones with a zero-balance, or worse, canceling a credit card before you’ve paid any outstanding balances will reflect poorly on your score. In addition, if you frequently max out your credit card, despite making consistent or in-full payments, it can adversely affect your credit standing.

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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

Dallas Credit Repair

Working on credit, in a City near you

Disreputable firms, phony advertisements, and companies that mimic the used car salesman persona have not done any favors for the credit repair industry. Not only are we a legally compliant Dallas credit repair company, but at the heart of our business is integrity and care for our clientele.

Resolving our clients' challenges and providing them with the steppingstones necessary for realizing their goals is the pulse that keeps our company beating. From debt settlement to loan consolidation to charge offs, The Phenix Group is ready to help you improve your credit and lifestyle today.

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We Fix Bad Credit

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