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The Credit Condition in Orlando, Florida

World-renowned theme parks, beautiful weather, and an array of restaurants and recreational activities are all staples of Orlando, Florida. While Orlando has been enjoying economic growth and low unemployment rates, the city itself isn’t faring well when it comes to the financial health of its residents. The sun may be hot, but the credit scores certainly aren’t, as Orlando holds an average credit score of 637. The ranking not only puts the city at the bottom of the pack when compared to other major metropolitan areas, but it also holds the lowest score among surrounding cities like Tampa (648), West Palm Beach (647), and Hialeah (657).

According to the credit bureau, Experian, residents in the Orlando area are struggling with some of the highest debt when measured against the nation’s top 40 major metro areas. The average debt per consumer is around $25,316. When you have a poor credit score, it can attack your financial health like a bad cold you can’t kick; except the symptoms of this illness includes high interest rates, rejected loan applications, fees tacked onto your bills, and lofty insurance premiums. Having a poor credit score means you’ll constantly be fighting an uphill battling when it comes to applying for things like a mortgage, student loan, car loan, or credit card. When lenders do give you the green light of approval, they’ll drive up your interest rate as you’ll fall into the “risky borrower” category. While you may be facing this type of financial hardship now, it’s not the end of the road for you. 

How Does Credit Restoration Work?

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The Phenix Group is a legally compliant credit restoration company with a robust team of specialists with the expertise necessary to help you boost your credit score. How exactly is this accomplished? First, our analysts request copies of your credit information from all three of the major reporting agencies, including Experian, Equifax, and TransUnion. Because our credit-savvy specialists and attorneys are well-versed in consumer protection laws, they are able to pinpoint errors and inaccuracies in your reports. There could be simple errors, such as your personal information being listed incorrectly, to more severe issues, like a lender who reported faulty information. The Phenix Group will work diligently on your behalf to remove errors from your report to help restore your credit standing.

We treat each of our Orlando, FL clients with the utmost care and consideration they deserve. We invest time in understanding your unique financial challenges, including how you arrived at your current credit score, how quickly you’re looking to increase your credit score, and your goals moving forward. From there, The Phenix Group will create a custom-built plan of action to address the hardships your facing and help you finally reach financial freedom. Not only do we help to boost your credit score, but we’ll provide you with the resources you need to continue down a healthy financial path.

The Fallout from Bad Credit

From mishandling your credit cards to an unexpected layoff to a pricey mountain of medical bills, it only takes a few steps in the wrong direction to wind up with a poor credit score. It happens to even the most fiscally responsible folks. Let’s face it; between work obligations, taking care of kids, running errands and doing chores, your social life, and any recreational sports or activities you’re involved in, how could you possibly fit maintaining your financials into the equation.

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 Orlando solutions to help you find success.

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



orlando Credit Repair

From foreclosures and debt settlements to repossessions and credit coaching, our credit specialists are passionate about helping you reclaim your life. The Phenix Group believes you deserve the opportunity to purchase your dream home or that red Jetta you’ve been salivating over without your past financial mistakes standing in the way. What we do is immensely fulfilling, as we get to help you achieve your desired lifestyle and reverse the damage that a poor credit score can have on every aspect of your life.