Get in touch to start repairing your score today!
HERE’S WHAT YOU GAIN FROM CREDIT REPAIR
The Phenix Group is home to a number of experienced credit analysts who will assess every piece of your financial picture, with a special emphasis on your credit score, to help you feel burden-free again. Our credit repair San Diego specialists, along with an independent law firm, will meticulously rake through your credit reports to identify any erroneous or inaccurate information that may be hurting your credit score. We understand that each of our clients has their own unique set of challenges and goals and that’s why our program is customizable to fit your needs. If you continue moving forward without repairing your poor credit, it’ll leave your vulnerable to difficulties, such as the inability to purchase a home, high fees on your monthly utility bills, and trouble landing a new employment opportunity.
Purchase your first home
Own your dream car
Get a business loan with a low interest rate
HOW IS CREDIT CALCULATED?
Credit scores can range anywhere from 300 to 850 and are calculated based on a popular scoring system known as FICO®. For those branded with a poor credit score, creditors and lenders will put you into the “risky borrower” category. What does that mean for you? High interest rates, denied loan applications, added fees tacked onto your monthly bills, and pricy insurance premiums. Thankfully, there’s a solution for San Diego credit repair. The Phenix Group provides a personalized credit repair plan designed to boost your credit score.
THE CREDIT CONDITION IN SAN DIEGO, CA
Sunny weather, beautiful sandy beaches – what more could those living in San Diego, California ask for. Between its mix of an urban and suburban environment, the world-class restaurants, and a slew of outdoor activities, the City in Motion has been attracting new residents for years. However, while America’s Finest City certainly delivers, it’s also an extremely expensive place to live with the average home costing around $555,325. With all the appeal, comes the downsides. San Diego residents, for example, are battling financial struggles, with an average credit score of 665 and the average credit card debt an estimated $6,481 per household.
THE CREDIT INSIDE SCOOP
Often called the birthplace of California, San Diego’s current credit standing as a whole was born from both intentional and unintentional financial actions. To measure the likelihood that you’ll be able to return borrowed funds, your lines of credit, length of your credit history, whether or not you make on-time payments, the credit mix you possess, and your total debt all factor into the equation that ultimately produces your credit score. Your credit report essentially acts as a predictor of your future financial behaviors – such as the likelihood that you’ll default on a loan or the probability that you’ll frequently miss monthly payments. Things like neglecting to pay your bills and frequently maxing out your credit cards can be incredibly detrimental to your financial health, especially if you are living paycheck to paycheck. At the Phenix Group, we know bad credit can happen to anyone. That’s why we provide credit repair San Diego and financial education to help you improve your credit standing long-term.
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
WHAT OUR CLIENTS
HAVE TO SAY ABOUT US
WE CAN HELP SAN DIEGO, CA RESIDENTS
Not only is the Phenix Group a legally compliant credit repair San Diego company, but we also have an amazing staff with extensive knowledge of credit restoration and consumer laws. We’re committed to helping restore your financial wellbeing so you can enjoy the many restaurants, museums, and entertainment that San Diego has to offer. Regaining control over your finances means no more headaches, fees, or loan denials. We can wait to help you improve your credit score!