Seattle, Washington is known as the Coffee Capital of the World – who doesn’t love the taste and aroma of a steamy cup of joe. The Emerald City has a reputation for having dreary, rainy weather, but it actually rains less per year in Seattle than it does in Boston, New York City, and Philadelphia. With the beautiful mountain views and water nearby, Seattle makes for a pretty attractive place to live. Those living in Queen City have a laid-back style that is certainly contagious and may make you never want to leave. While residents possess and average credit score of 704, there are still many individuals struggling to keep their heads above water when it comes to their finances. And that’s where credit repair comes into the picture.

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How Does Credit Restoration Work In Seattle?

If you’re a Seattle, WA resident with a poor credit score, the reminders may be enough to make you want to pull your hair out. You’re being berated with daily reminders of how poor your credit score is every time you open up your email, apply for a loan, or see the mounting interest rates on your insurance premiums. So, how do you achieve a better credit score – one that rivals with some of Seattle’s best? First, you need to understand how your credit score is determined. Your score is calculated using the FICO® formula. Your score is determined by a number of factors, including debt ratio, payment history, the length of your credit history, outstanding balances, and new credit lines you have opened. Credit scores can range anywhere between 300 and 850. Essentially, a poor credit score smacks on a big red X on your file, and lenders and creditors will use this number to categorize you as a risky borrower. Suddenly, your interest rates will skyrocket. Thankfully, a poor credit score can be repaired.

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Credit Repair Company Reviews

What Credit Repair Services We Offer In Seattle

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 Seattle

The Phenix Group

When you partner with The Phenix Group, a legally compliant Seattle 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

Seattle Credit Repair

Working on credit, in a City near you

Your friend in the mission to better credit is The Phenix Group. Working with an independent law firm, The Phenix Group has the expertise and long-standing reputation you need to repair your credit score. The Phenix Group looks to identify any inaccurate, unverifiable, or outdated information that is impacting your credit report. We request reports from the three main reporting agencies – Transunion, Experian, and Equifax in order to help remove any harmful items that are currently damaging your credit score. A poor credit score can impact your everyday life. We have seen the repercussions first-hand.

This is why we’re here for help. As a reliable credit repair specialist, The Phenix Group will design a personalized strategy to help bump up your credit score. It’s our mission to help dig you out of that black hole surrounding a poor credit score so that you can get on with your life and be able to move forward in a fiscally responsible way.

Frequently Asked Questions

We Fix Bad Credit

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