The Houston area, or H-Town as it’s been nicknamed, not only houses some of the nation’s biggest companies, but since the economic downturn in 2008, the city has made quite the comeback, gaining two jobs for every one that was lost. Besides the thriving economy, Houston, TX is a haven for music buffs, who frequently jam out at The Continental Club, as well as a hub for nature-filled scenery along the 7,800-acre George Bush Park. But with the alluring shopping scene and so many palate-pleasing restaurants, comes the opportunity for financial hardships. And according to Houston’s average credit score of 642, residents are shouldering one of the lowest scores in the nation when compared to other large metro areas.
This is one topic where we wish the saying, “Everything is bigger in Texas”, didn’t apply. Bad credit scores can strike your financial health like a destructive tornado, leading to loan application rejections, higher interest rates, and steep insurance premiums. Your entire financial picture is summed up into a three-integer number formulated by FICO® scoring standards, which ranges from 300 to 850. In the time it takes you to enjoy a bike ride along Buffalo Bayou, all of your payment history, debt ratio, new credit lines, types of credit, any outstanding balances, and the length of your credit history will be analyzed and converted into your personal credit score.
A poor credit rating can completely disrupt your lifestyle, affecting your ability to get things like a car loan, mortgage, student loan, credit card, and more. If a lender does approve your application for a loan, they will classify you as a high-risk borrower due to your bad credit score and drive up your interest rates. Despite all of this, there’s no need to pack your bags and high-tail it out of Houston just to repair your credit. At The Phenix Group, we create custom credit repair solutions for each Houston, TX resident in need of our help. We will work with you to increase your credit score, get back financial security, and continue to root on the Houston Astros or your favorite sports team.
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. 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.
I have worked with a few other companies in the past and in no way received the support, or results we did with The Phenix Group
Working with The Phenix Group was like working with family. Not only were they incredibly knowledgable, attentive, and on top of EVERYTHING, they were kind, sincere, and truly cared about our goals and our future happiness!
I followed their plan and MAN oh MAN did they Deliver! 3 months and 150 points later and I just CLOSED ON MY HOME!! BEST DECISION I EVER MADE! WORTH EVERY PENNY!
Phenix Group is hands down the best credit repair company for anyone looking to improve their credit to buy a home, car, etc. As a lending professional, I can attest that they are head and shoulders above other credit restoration outfits.
No gimmicks only results. The process is simple but you have to be committed and follow their process in order to get the best results. #ThePhenixGroup
Home Ownership-Our flagship service! All of our credit repair analyst 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 mortagage professionals we can refer to you. Contact us today for a no cost credit consultation.
Sometimes we are forced into a loan with significantly higher interest rates. Those rates do not have to be a life sentece, fortunately. Home and Auto refinancing are often able to be obtained after successful completeion of our credit repair program. Allowing you to not only obtain lower interest rates but to ultimately substaintually lower your debt to income ratio (DTI) in the process. Schedule your free credit analysis today to see how we can help you.
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 shortes possible time, so you can secure your business fiancing. 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 hte credit plans available to you and your business.
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.
When you partner with The Phenix Group, a legally compliant Houston 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.
Meet Our Former Client,
I was able to stop worrying about if we were going to get our dream home when we...read more
Meet our Former Client,
I can honestly say, I had a new pep in my step that day. I felt like a new man!
From repossessions and foreclosures to debt settlement and credit coaching, The Phenix Group believes our credit repair solutions provide our clients with a second chance to claim back the lifestyle they thought had disappeared for good. Not only are we a legally compliant Houston credit repair service, but we find our work incredibly fulfilling, making life-changing improvements to your credit score while reversing your overall financial instability.
Your past financial mistakes don’t have to dictate how you live your life. There is hope for your credit score with the help of credit repair in Houston, TX. Your desired lifestyle is achievable through our personalized and transformational credit solutions. Say hello to that gorgeous new home you’ve always wanted!
We Fix Bad Credit