It's no secret, credit repair as it relates to homebuying is our jam; but that doesn't mean we can't help the everyday consumer, 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-well-yesterday. No matter the goal, we can help with a custom plan for an overall clean up, as well.
Our Analyst are well versed in credit, credit education, and credit repair. An overall clean up is the 1st step to the path of financial freedom.
Credit Is Not One Size Fits All-But We Got You!
We go above and beyond to help figure out the best plan for your goal. A negative mark on the credit report isn't great, but it isn't always what is holding you back from your goal. Reach out to see if we can help you and your situation.
What To Expect
Tough Love, A Lot of Patience, Good Credit
Credit is just naturally a sensitive subject. To get you to where you want to be, credit-wise, the conversation must be had, an individualized action plan made, time frame set-to name a few things.
We are very direct in our communication approach. Our approach leverages the best method around-the law. Our motto is to deliver more; we pride ourselves in under promising and over delivering.
meet,
Oscar
Credit Score: 722 Was: 513
Getting in contact with the Phenix group was definitely one of the best decisions I’ve made in my life! My credit was terrible with a lot of credit issues I thought would never be fixed. They made it happen! I would recommend them first over any other company because they don't just talk about improving your credit for future opportunities, they make it a reality! Give them a call and I guarantee it will be the best decision you make also!
Steps We Take
Free Consultation
Credit repair companies like The Phenix Group will work on your behalf to help you gain control of your financial health. We provide a free consultation with one of our qualified credit analysts in order to determine whether or not our services can be helpful to your specific credit needs. Unfortunately, our services aren’t for everyone.
Individualized Action Plan
We treat our clients like family, taking the time to gain an understanding of each person’s unique challenges and goals to create a personalized roadmap for success. We provide customized support, employing specialized dispute tactics to get bureaus and creditors to acknowledge inaccuracies, ultimately strengthening your credit score.
Attorney Engagement
The Phenix Group works closely with an independent law firm, versed in consumer law. This helps ensure all creditors are held to the letter of the law, and if not, you could potentially receive monies owed to you due to their noncompliance. We strive to obtain the best possible results in the least amount of time.
Credit-Ready
Whether you’re looking to purchase a new home, rev the engine on your dream car, or lower the interest rate on your credit card, we are here to help. Our goal is to wash away the stress, headaches, and seemingly endless fees that come with having poor credit to help you gain financial freedom as quickly as possible.
A SPECIALIZED PLAN FOR EVERY SITUATION
The Phenix Group is committed to helping you navigate choppy waters and improve your financial standing. Behind every client lies a unique story – one filled with unanticipated medical bills, sudden unemployment, or unforeseen events that can quickly spiral into financial hardship. Not only are we an educational resource, but we’re here as your partner to help you make smart financial decisions geared toward increasing your credit score and achieving your goals.
Bankruptcy
Charge-Offs
Collections
Credit Coaching
Debt Settlement
Dispute Code Removal
Foreclosures
Fraud
Late Payments
Re-Establishing Credit
Repossessions
Student Loans
Frequently Asked Questions
How long does it take?
Everyone's credit is different so the time frames vary. After we analyze the reports and develop our game plan, we can determine how long it may take. Everyone's credit is different so the time frames vary.
Can you connect me to a realtor or lender?
Although, the majority of our clients are referred to us by Real Estate Agents and Loan Originators, we are deeply connected to a vast network of professionals all across the country. We would be happy to make the connection for you. Typically, anyone we refer you to will be our Preferred Partner and have been vetted by us. We trust them to provide the highest level of service complimentary to the service The Phenix Group provides to our clients.
What do you do differently than other credit repair companies?
As we are true credit experts, we understand how to implement strategies to address accounts and build positive credit. We give one on one, expert advice to get past credit issues. With our process, we provide more than the typical bureau level dispute. This includes engaging original creditors, finance companies, collection agencies and bureaus throughout our program with a goal to hold them accountable to consumer or federal laws that relate to credit reporting, collection and consumer communication. Many credit repair companies only provide disputes to the bureaus or generic 'validation letters' to creditors. Where some companies will be selective on what to address and limit it to a few accounts at a time, we are aggressively addressing everything from the start of the program.
Should I get a personal loan to help build payment history?
Unfortunately, opening short term personal loans can have an adverse affect on credit. They are typically not opened long enough to be effective. It can also give the impression that you had to borrow money to get by when in reality you just wanted to build credit. Your credit report doesn't know the difference.
Can we help people with NO credit?
We encourage credit education! If our services are offered this will be part of the analysts' plan. If the indiviual simply has no credit we are more than happy to explain how to establish, maintain, and grow credit.
Do you do debt consolidation?
We are not a debt consolidation agency. Paying debts off your credit report does NOT guarantee the account will then be deleted. Remember, credit and debt are two very separate things. Once we have had a chance to conduct a free credit analysis, we can strategically determine which accounts, if any, can be paid and negotiate how to get the account deleted permanently.
Is it possible to remove a late payment?
Depending on the circumstances behind the late payment, it may be possible to have the payment history corrected or removed.
What accounts do I need to pay off to raise my scores and should I pay off collections?
Understanding what accounts to pay can largely depends on the goal in mind. Many different factors such as the date of last activity, statute of limitations, type of account, and how the debt is calculated against debt ratios and balance to limit ratios must be considered. We recommend requesting a free credit analysis to determine the best course of action.
What will it cost to fix my credit?
Most of our clients see results in as little as 60 days however the program can take up to 6-12 months to complete. Remember, this isn't just credit repair and everyone's situation and goals are unique. We offer a free credit analysis to determine program candidacy and the estimated program duration.
Why are my scores different on Credit Karma?
Credit Karma uses The Vantage 3.0 scoring model as most financial institutions utilize traditional FICO Score models specific to the type of financing.
