Attorney-Based Credit Repair San Jose, 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. San Jose 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

Despite everyone possessing a credit score, many individuals are unfamiliar with how their score is calculated. The scoring standards come from FICO®, a formula used by credit card issuers, lenders, and other creditors to evaluate how likely it is that you’ll pay your bills on time and in full. When assessing your credit risk, the FICO® system conducts an audit of your payment history, debt ratio, length of credit history, new credit, credit mix, and accounts owed, to calculate a number between 300 and 850. If you reside in the San Jose area and are dealing with poor credit, there are a number of credit repair solutions designed to give you the financial freedom to secure a loan for a new house, buy a car, and achieve the goals you’ve set for yourself.

credit repair san jose


The diverse San Jose area, nicknamed the capital of Silicon Valley, has a thriving metro area filled with large tech companies and suburban neighborhoods. For those who love the outdoors, San Jose is a prime environment to enjoy all mother nature has to offer. Between its close proximity to the vineyards, ocean, and the Sierra Nevada, this tech hub is home to some of the world’s most renowned businesses, like Google and Apple. It also offers picturesque scenery, sitting in the foothills of the Diablo Range and Santa Cruz Mountains. While residents get to enjoy nearly 365 days of beautiful weather, they are also falling victim to poor credit. With an average score of 699, those living in San Jose could use the trusted support and expertise of Phenix’s credit repair solutions. We’ll help you live your life to the fullest, gain financial freedom, and start achieving your goals – like buying a house or a car.

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 San Jose 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


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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 San Jose Residents

You need someone in your corner while looking to repair your credit. Think of the San Jose credit repair specialists 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.