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HERE’S WHAT YOU GAIN FROM CREDIT REPAIR
At The Phenix Group, we’ve partnered with an independent law firm and have a staff of credit repair specialists to provide unparalleled Fresno credit repair services. We are very transparent throughout the process, so you’ll know what we’re doing and where you stand every step of the way. We work by requesting reports from Transunion, Experian, and Equifax – the three main reporting agencies – and identifying any information that is outdated, inaccurate, or unverifiable, as these are items we can dispute. Removing these items from your credit report will play an important part in improving your credit standing.
Purchase your first home
Own your dream car
Get a business loan with a low interest rate
How is Credit Calculated?
You know your finances aren’t in great shape and let’s face it: you’re tired of receiving emails from Credit Karma reminding you that your credit score isn’t up to snuff. Plus, what does a credit score really mean anyway? This three-digit number, ranging from 300 to 850, is calculated using a system known as the FICO® formula. Your entire financial picture, including your payment history, the types of credit you have, the length of your credit history, your outstanding balances, and your debt ratio are all factors used in calculating your score. When you’re stuck with poor credit, it can disrupt your life and weaken your purchasing power.
Creditors and lenders will place you in the “risky” borrower category, which can lead to high interest rates, added fees, and the possibility of being denied a loan altogether. Here’s where you can breathe a sigh of relief: bad credit doesn’t define you. It is not a permanent situation if you seek help. Credit repair Fresno solutions can help you improve your credit score, opening the doorway for you to buy a car, secure a loan for a new house, and achieve the goals you’ve set for yourself.
The Credit Condition in FRESNO, CA
While California certainly is the Golden State, every city comes with its own nuances and challenges. Fresno, which was once a just a small stop on the Central Pacific Railroad, has bloomed into a metropolis with a large population of agriculture-minded individuals. Fresno County farms encircle the metro area and are known for producing a wide range of organic foods, like tomatoes, almonds, peaches, and pistachios. But the area isn’t just for farmers; the metropolitan area attracts people from across the globe with its inexpensive housing, diverse job market, and variety of cultural attractions. Yes, this all sounds great on paper. However, residents of Fresno, California are averaging a credit score of 651, which is below the national average. With low scores, residents can surely use some Fresno credit repair.
The Credit Inside Scoop
Things like unexpected expenses, unemployment, or failing to manage loan payments correctly can cause Fresno residents to begin missing monthly payments, essentially racking up your debt. There’s a number of undesirable repercussions that come with possessing a low credit score, such as application denials, pricey insurance premiums, high interest rates, and added fees tacked onto your monthly bills. With all these factors piled on, how can you ever expect to catch up financially? Our Fresno credit repair services will help you boost your financial health and credit score. That is our mission here at The Phenix Group – to serve as a valuable resource you can use to rid yourself of all that troubling credit-related stress and give you back the lifestyle you always envisioned for yourself.
Common mistakes that lead to bad scores:
- Habitually late on payments
- Filing for bankruptcy
- Having an account charged off
- Defaulting on a loan
- Closing old lines of credit
WHAT OUR CLIENTS
HAVE TO SAY ABOUT US
We can help FRESNO Residents
Having a poor credit score can be super disruptive to your life. As credit repair Fresno specialists, The Phenix Group is here to help you rise above financial struggles. We work diligently on your behalf to help raise your credit score – something we’ve done for thousands of others in your position. We can do the same for you!