There are no flat fees for our individualized credit repair programs. Everything is methodical and taken on a case by case basis. However, the first step to determining if The Phenix Group will accept you as a client, is to obtain a FICO based credit report. There definitely are several options for credit reports available to the consumer; however, not all reports are made equal. Once the credit reports are obtained for all 3 credit repositories, your analyst will begin the analysis of your credit report. This is the only way to determine if credit repair is the best option for you.
If the Credit Analyst confirms credit repair is the best avenue for you, an in depth consultation will be scheduled and presented to you in a manner you will understand. Your immediate needs, goals, and timeframe will all be taken into consideration. Once you become a client of The Phenix Group, we will immediately go to work on your behalf.
The key element, besides removal of erroneous information from your report, is teaching you how to use your credit properly. Beyond falling on hard times, the #1 reason we see individuals have bad credit is pure lack of credit education. We take time to explain proper utilization, how to diversify your credit, how to put money back in your own pocket, along with so much more.
We Do Things Differently
Everyone loves CreditKarma.com; we understand, it's free. Unfortunately, there are issues with solely relying on this site, as it relates to credit and lending.
A proper credit report analysis is imperative to determine success in a credit repair program. This is an indepth look at your reputable credit report which is then presented to you.
A proper consultation is required prior to us determining if we can work together. Most other credit repair companies are asking you for your payment method after 10 minutes...
A client set up can typically take anywhere from 1-3 hours. Other companies charge up to several hundred dollars for this task, not The Phenix Group.
Good credit can only be maintained through proper utilization. Unfortunately, it isn't something that is typically taught through standard education systems
We Fix Bad Credit