Attorney-Based Credit Repair Sacramento, CA

  • Improve your score without the hassle
  • Remove damaging collections, bankruptcies and charge-offs
  • Get approved for the loan you want

Get in touch to start repairing your score today!



Everyone misses a credit card payment from time to time. It’s when this becomes a reoccurring habit that your credit score begins to plummet into unhealthy waters. Missing mortgage payments or filing for bankruptcy will give you that undesirable score that will have lenders and creditors deeming you as a “high-risk” borrower. Possessing an unstable financial picture can prove to be a large roadblock in your life, but it doesn’t need to remain that way. Sacramento is rich in culture and should be enjoyed every day without having to worry about your credit score. That is why The Phenix Group should be your next phone call.

bad credit to home loan
Purchase your first home
bad credit car loan
Own your dream car
bad credit business loan
Get a business loan with a low interest rate

How is Credit Score Calculated?

credit score calculation

Credit scores range from 300 to 850. Your credit score is calculated using a system known as FICO®. Creditors and lenders will look at your credit score to assess your financial health and determine your likelihood of repaying borrowed funds. A bad score can really put a damper on your everyday life. Your insurance premiums will increase, you’ll suffer from high-interest rates, additional fees will be caked onto your money bills, and be prepared for loan applications to be denied. Luckily, there are ways to achieve credit repair. Repairing your credit is feasible when you have reputable credit repair specialists on your side. That is what The Phenix Group is here for. To rake through your information and determine how to best boost your credit score.

credit repair sacramento


With all the cultural and tech-related developments happening in California’s capital, Sacramento is no longer just a destination that’s close to Lake Tahoe and San Francisco. The city provides an abundance of sunshine, a reasonable cost of living (compared to other Cali metro areas), and a booming population of middle-class families and young professionals. Between the resurging real estate market and new economic developments, Sacramento is seeing some of its best years since the Gold Rush. The average Sacramentan resident carries about 3.1 credit cards and owes $6,354 in total credit card debt. As a haven for foodies, Sacramento offers a great place to live, yet many of its residents are struggling with poor credit – averaging a score of 667. With numbers like these, how can those residing in Sacramento really enjoy the bustling city? That’s where Phenix Credit Repair solutions come into play. We help people just like you achieve their financial goals and improve their credit score, so they can live life stress-free.

The Credit Inside Scoop

Bad things can happen in an instant and suddenly, your credit score is lower than you ever imagined. Missed payments can greatly impact your credit score. With so many residents of Sacramento suffering from poor credit, the need to identify effective credit repair solutions is imperative. With a higher credit score, you’ll be able to reduce your fees, your credit interest, and be approved to purchase a car or a house. It helps to have someone on your side and that is what The Phenix Group is here for.

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
  • Constantly maxing out credit cards


Free Consultation


default image

As a Loan Officer with 15 years in the business, I would recommend The Phenix Group to any LO who is looking to take their business to the next level, you won't be disappointed. Besides their insanely awesome Credit Gangster Ninja moves, they legitimately care for the client. 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 homeownership.


April 20, 2018

We can Help Sacramento Residents

You need someone in your corner while looking to repair your credit. Think of the credit repair specialists in Sacramento at The Phenix Group as the perfect partner to tag in. With a group of experienced repair specialists, the Phenix Group teams up with a reliable law firm to assess every option available, so we can start implementing solutions to raise your score.