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 credit scores in the nation when compared to other large metro areas.

Credit Scores are 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 other financial services. 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.

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How Does Credit Restoration Work In Houston?

Whether you experienced a job loss, unexpected medical bill, or simply mismanaged your credit cards, harboring a bad credit score can happen to anyone. Between your daily 9-5 grind, chauffeuring the kids to school and extracurricular activities, household chores, and maintaining a social calendar, keeping track of your financials can be cumbersome. Maybe you splurged on a new master bathroom, have several months’ worth of outstanding charges, and now have a debt collector trailing you like an ominous cloud. That once-relaxing bubble bath quickly transformed into an anxiety-inducing burden.

Mistakes and unexpected circumstances happen to everyone. From defaulting on a loan to filing for bankruptcy, financial errors can cause your credit score to nosedive into dicey territory. When you’re branded with a poor credit score, even from a seemingly benign mistake, it causes lenders and creditors to label you as a high credit risk, which becomes problematic when applying for a mortgage or loan. Borrowers with bad credit often face application denial or if they are approved, the contract is accompanied by an insanely high interest rate. While financial instability can be highly disruptive and taxing, it doesn’t have to be a permanent fixture in your life.

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Credit Repair Company Reviews

What Credit Repair Services We Offer In Houston

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 Houston

The Phenix Group

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.

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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

Houston Credit Repair

Working on credit, in a City near you

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!

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We Fix Bad Credit

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