Just Because? We Got You, Too!

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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Program Overview

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, and 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 Credit 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 Plan of Action to Repair Your Credit

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

    Everyone's credit is different, so the time frames vary. After we analyze the reports and develop our game plan during your free consultation, we can determine how long it may take to repair your credit and improve your score. The time frame will vary based on your financial history, credit cards, mortgage, debt, and other financial factors.

    We encourage credit and financial education! If our credit repair services are offered this will be part of the analysts' credit recovery plan. If the individual simply has no credit, we are more than happy to explain how to establish, maintain, and grow your credit score. The credit repair industry can be difficult to navigate, and our services are here to help you through every step of improving your score to help you reach your personal finance goals.

    As we are true credit experts, we understand how to implement strategies to address accounts and build positive credit reports. Our credit consultants give one on one, expert advice to get past credit issues and possibly improve your credit score. With our repair process, we provide more than the typical bureau level dispute. This includes services such as engaging original creditors, finance companies, collection agencies, and bureaus throughout our program with a goal to hold them accountable to customer 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 credit companies will be selective on what credit score issues to address and limit it to a few accounts at a time, we are aggressively addressing everything from the start of the credit repair program. We will evaluate the credit history to create the best plan for improving your financial situation and your score.

    Unfortunately, opening short term personal loans can have a negative effect on credit and your scores.
    Short term loans are typically not opened long enough to be effective and aren't always a good financial investment for your credit. Loans can also give the impression that you had to borrow money to get by when you just wanted to build credit and improve your score. Your credit report doesn't know the difference, so any potential pros don't outweigh the cons of short-term loans.

    We are not a debt consolidation agency; we are a credit repair company. While some credit repair agencies may handle debt consolidation, our company focuses on credit services. Paying debts off, credit cards, or other debts, on 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 score and credit analysis, we can start to strategically determine which accounts, if any, can be paid and negotiate how to get the account deleted permanently so that it doesn't have a negative impact on your score or credit reports.

    Late payments on your home mortgage loan, credit cards, or life insurance may show up as negative items on your credit report. Depending on the circumstances behind the late payment and fees, it may be possible to have the payment history corrected or removed from your credit report. You can talk to one of our credit specialists about your credit report and learn about the repair options available.

    Understanding what accounts to pay largely depends on the credit goal in mind. Many different factors such as the date of last activity, statute of limitations, type of account, fees, 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 to improve your score.

    Most of our clients see results on their credit score in as little as 60 days from when they start using the best credit repair services, however, the credit program can take up to 6-12 months to complete. Remember, this isn't just credit repair, and everyone's situation and personal finance goals are unique. We offer a free credit analysis to determine program candidacy and the estimated credit program duration.

    Credit Karma software uses The Vantage 3.0 scoring model for their credit reports as most financial institutions utilize traditional FICO Score tools specific to the type of financing. While the software can give you some information about your financial situation, the credit score used by companies and financial institutions is calculated differently.

    Although the majority of our credit clients are referred to our services by Real Estate Agents and Loan Originators, we are deeply connected to a vast network of partners and professionals all across the country. We would be happy to make the connection with our partners for you. Typically, any business 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.