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Los Angeles Residents: Resolve Your Credit Problems Today

California is not only the most populated state in the U.S., with nearly 39 million residents, but its economy is a beacon of strength and significant power for our country. Los Angeles, in particular, is a city of transplants, exploding job growth (thanks to companies like Google, Facebook, and Warner Bros), and countless days of sun-filled weather. With the average rent of a one bedroom apartment at $2,068 and median home price of nearly $800,000, it’s no wonder that footing the bill for such an expensive lifestyle has resulted in LA residents having a low average credit score of 668. Creditors, credit card companies, and lenders use a scoring formula known as FICO® to measure the likelihood that you’ll meet contractual obligations and pay bills in full and on time. To evaluate your credit risk, the FICO® system uses the length of your credit history, debt ratio, payment history, credit mix, new credit, and accounts owed to calculate a score ranging from 300 to 850. For those slathering on sunscreen each day to protect themselves from the hot LA sun, having a poor credit score isn’t something you have to carry with you for the rest of your life. Financial freedom is possible.

The Low-Down on Bad Scores

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Between the luxurious beachfront Malibu homes, the eclectic Venice Boardwalk, and the glitz and glam of Rodeo Drive shopping, it’s not hard to find yourself with a maxed-out credit card and a persistent debt collector knocking at your door. Keeping up with Los Angeles living expenses, your social calendar, and the overall pricey nature of living in the City of Angels is no easy feat and we often overlook the consequences of each financial decision we make. The truth is, however, creditors and lenders monitor every purchase and finance-related choice you make to determine how reliable you are to pay back loaned money.
If you’ve filed for bankruptcy, find yourself regularly making late payments, defaulted on a loan, or have had an account charged off, it will reflect poorly on your credit score. While these are common, and sometimes unavoidable mistakes, they still greatly interfere with your financial health and will keep lenders from wanting to work with you. Even minor goof ups, such as closing an old line of credit or habitually maxing out your credit cards can cause you to inherit the label of a high credit risk. Once your credit enters dangerous territory, it’ll be hard for you to truly enjoy the LA lifestyle when your loan applications are denied and your interest rates are through the roof. But, guess what? A bad credit score isn’t permanent. Through strategic credit restoration practices, you have the opportunity to regain your financial health and improve your credit score.

The Inside Scoop on the Credit Restoration Process

When you have inaccuracies parading across your credit report, employing a credit repair service will help eliminate these errors. Whether a lender made a reporting error or there’s personal information listed incorrectly, The Phenix Group specialists and our team of attorneys will work to remove and amend these items, strengthening your credit score and ushering you towards achieving a healthier financial picture. Our analysts have mastered navigating through consumer-related rules and regulations and will act as your advocate when negotiating with creditors on your behalf.

Common mistakes that will 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


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You don’t have to leave the Lone Star State to improve your credit score. Our unwavering commitment to helping people reverse poor credit and realize financial security has inspired us to design personalized and attorney-based credit repair Los Angeles solutions to help you find success.
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Purchase your first home
Own your dream car
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As a Loan Officer with 15 years in the business it is vitally important to me that anyone that I partner with is an extension of my team and personality.
Nothing is more disheartening than referring business to someone only for your client have a bad experience.
This is NOT the case with The Phenix Group.
Besides their insanely awesome Credit Gangster Ninja moves, they legitimately care for the clients as they come over.
They will treat each and every referral like family and guide them through the process, and make it easy and simple to understand and follow.
I have been working with them for the past two years and they have drastically changed my business. I have a consistent pipeline of clients who might not otherwise have had a chance at realizing their dream of home ownership.
I would recommend The Phenix Group to any LO who is looking to take their business to the next level, you wont be disappointed.

April 20, 2018

Los Angeles Credit Repair

The Phenix Group will collect all three of your credit reports from TransUnion, Equifax, and Experian and analyze the information to sift out errors. Did you know, if your report includes a negative item from a lender who has since gone out of business or been acquired by another company, that the claim can be disputed as unverifiable? This is one of the many professional and ethical solutions our credit specialists use to restore your credit to good standing.