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.

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.

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 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.

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.__