CREDIT REPAIR SERVICES: ATTORNEY-POWERED CREDIT REPAIR <!-- -->San Antonio<!-- -->, TX

ATTORNEY-POWERED CREDIT REPAIR SAN ANTONIO

The home of the Alamo, San Antonio, TX, is full of big-city attractions like SeaWorld San Antonio and Six Flags Fiesta Texas, while offering its residents a community rich with Old West and Spanish heritage. With year-round sunshine and over 50 events annually, including the Texas Folklife Festival and the infamous Fiesta, San Antonio is a bustling destination full of benefits for families of all shapes and sizes. The presence of companies like Citigroup, Lockheed Martin, and AT&T have largely contributed to San Antonio’s thriving economy. Despite its 3% unemployment rate, however, Experian has reported that the region is shouldering some of the largest credit card debt in the U.S. when compared with similar Metropolitan areas across the nation. With an average debt-per-consumer of $31,053 and an average credit score of 649, San Antonio residents are drowning in financial instability instead of savoring all the city’s charming qualities.

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How Does Credit Restoration Work In San Antonio?

Your three-digit credit score is calculated based on a formula created by FICO®, which analyzes your payment history, types of credit, outstanding balances, debt ratio, new credit lines, and length of your credit history. When you have a poor credit score, lenders and creditors will classify you as a high-risk borrower, severely diminishing your purchasing power when it comes to buying a new home or car. Facing the negative impacts of a bad credit score isn’t a weight you have to bear forever. With The Phenix Group’s credit repair solutions, we are committed to helping San Antonio residents improve your credit score and rebuild your financial wellbeing so you can get back to the life you deserve.

As a credit restoration company, The Phenix Group collects and analyzes your consumer credit report to create a customized solution to help you improve your credit score. Our credit analysts, together with an independent law firm, challenge outdated, inaccurate, or unverifiable data, such as lender reporting errors or incorrectly listed personal information, to remove errors and improve your financial standing. If there’s a negative item on your report that came from a lender that has since gone out of business, the information previously reported would be unverifiable and thus eligible to be removed.

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Credit Repair Company Reviews

What Credit Repair Services We Offer In San Antonio

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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 San Antonio

The Phenix Group

Once a bad credit score infiltrates your life, it can prevent you from getting a new job or apartment, and severely limit your financial mobility. Liberating yourself from the endless cycle of denied applications, high interest rates, revoked job offers, and anxiety-filled afternoons dodging debt collectors is why we love what we do. The Phenix Group is dedicated to helping any San Antonio, TX resident in need, and will work quickly to increase your credit score so you can finally reclaim your financial security. When combined, ‘bad’ and ‘credit’ are two of the most dreaded words one can hear - and can take a complete toll on someone's life. As a credit repair company working in San Antonio, The Phenix Group believes your financial mistakes shouldn’t follow you year after year and become a defining factor in your life. From debt settlements to loan consolidations, we tackle your unique credit challenges to improve bad credit scores and ensure you get back to enjoying the Tex-Mex in Southtown and the San Antonio Spurs as soon as possible.

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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,

Jimmy

Credit Score: 761 560

I was able to stop worrying about if we were going to get our dream home when we...read more

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Meet our Former Client,

Vincenzo

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

San Antonio Credit Repair

Working on Credit, in San Antonio, TX

Life can be one big juggling act. Maintaining a healthy financial picture when your balancing work, family obligations, household chores, errands, and a social life is no easy feat. Unexpected circumstances, such as unforeseen medical bills or a job loss, can quickly snowball into a charge off from failed credit card payments or defaulting on a loan. Sometimes, we get caught up in the allure of a new purchase, like taking your new ride for a spin down the highway, and we forget about the financial obligations that come along with each credit card swipe or application approval. Mistakes happen, meaning anyone can harbor a less-than-stellar credit score.

However, lenders use your credit score to measure your creditworthiness - i.e. your current and future ability to repay loans and be fiscally responsible - and can choose not to do business with you. Even seemingly harmless mistakes, such as a few missed payments, can lead to your loan or mortgage application being denied. Those with bad credit can also face extremely high interest rates when applications are approved. Over time, poor credit and financial instability can completely disrupt your life and interfere with achieving the goals you set out to accomplish.

Frequently Asked Questions

We Fix Bad Credit

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