Attorney-Based Credit Repair Austin TX

The Credit Condition in Austin

Austin, dubbed the Live Music Capital of the World, is becoming one of the fastest-growing metro regions in the U.S. While the impressive music scene, booming job market, and lip-smacking Tex-Mex options may help the local economy prosper, it’s also causing a surge in real estate pricing and living expenses. With the median price of a single-family home now selling above the national average, it’s no wonder that Austin residents are averaging a low credit score of 682 and why they need credit repair. The home of SXSW pales in comparison to surrounding cities like Georgetown, TX, with a score of 724 and Cedar Park, with a score of 716. There’s a need for credit repair in Austin.

How is Credit 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 Austin metro area and are dealing with poor credit, there are a number of credit repair solutions designed to give you financial freedom that tastes as sweet as all the charcoal-glazed-barbecue that Austin Texas cuisine has to offer.

Having bad credit doesn’t mean you need to carry around the stigma of being irresponsible. Unforeseen life events, such as a medical procedure that delivered a mountain of bills, can happen to anyone and cause financial hardship. Even mistakes from our youth can follow us into adulthood and negatively impact our credit scores. Despite how you arrived at your current score, our Austin credit repair services will ensure you continue to cheer on the University of Texas Longhorns and be greeted by Stevie Ray Vaughan’s glorious bronze statue.

The Inside Scoop

It’s easy to get caught up in the urban bustle of Austin and max out your credit card on a new ride or splurge on a kitchen remodel that ends with an introduction to a determined third-party debt collector which might force you to repair your credit. With each new purchase comes an electric joy that pulses through your body like a sugar rush. However, we often overlook the possible repercussions that accompany each purchase or financial decision we make. Lenders and creditors use these opportunities as a way to gauge your level of reliability and the likelihood that you’ll make timely payments for loaned money.

Common mistakes that lead to bad credit:

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

FIND OUT IF WE CAN HELP

Free Consultation

Here’s What You Gain

If you’re looking to repair credit in Austin, you’ll most likely need professional help. From your personal information being listed incorrectly to reporting errors from lenders, The Phenix Group, together with an independent law firm, is committed to amending these errors in an effort to boost your credit score and help you achieve a healthier financial standing. Our credit-savvy analysts are well versed in all the nuances of the industry and can expertly put a strategy together that will help with credit repair.

Purchase your first home

Own your dream car

Get a business loan with a low interest rate

WHAT OUR CLIENTS

HAVE TO SAY ABOUT US

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

I am a top producing residential lender and have worked with Joe and his team for 4+ years now. At the high volume I do, I pull many credit reports where the clients are not quite there with qualifying credit scores. Joe and his team have been excellent at giving my clients and I realistic timelines, clear communication, and the most important part - RESULTS. The Phenix Group has been able to remove items that other credit specialists have not from the reports, boosting scores and helping me approve their loan while giving them a better interest rate.
My clients have enjoyed working with the Phenix Group as it can be a grueling process with credit repair, but this team makes it easy.

Jana Grace April 20, 2018

All I can say is thank you! These guys are the real deal. Before I worked with Phenix, I got denied for a house because of my credit. After just a few months, I now qualify for a home and will probably go refi my car too. Thank you so much guys, I will recommend everyone!

Erin Montano Portland, Oregon April 19, 2018

The help and advice that The Phenix Group has given not just me but my family, is priceless. Im 26, have 2 kids, a wife, and now our very first home. No more apartments, annoying upstair neighbors, no more RENT!!! If you are looking for someone who cares about what they do for a living, The Phenix Group is the company for all your credit repair needs.

Stephen Shumway Mckinney, Texas January 27, 2018

We can help

As a legally compliant Austin credit repair company, The Phenix Group strives to deliver timely and personalized solutions for those facing the harrowing challenge of having a poor credit score. We get to help our clients take important, life-changing steps to improve their credit score and achieve the goals they set out to fulfill. There’s no feeling more rewarding than the gratitude we receive from those whose we’ve worked with. Knowing their lives were drastically altered for the better through the care and personalization we gave towards their credit challenges is why we do what we do every day.