Attorney-Based Credit Repair Austin TX

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credit repair austin

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?

credit score calculation
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 credit repair Austin 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 Credit 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 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


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Here’s What You Gain from credit repair austin!

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.
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



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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 AuStin Residents

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.


What is credit repair?
Credit repair is the process of fixing and improving poor credit history that may have deteriorated for a variety of different reasons.
How does credit repair work?
Credit repair companies work with the credit bureaus and your creditors to challenge the accuracy of negative items that affect a credit score. Most companies will only “dispute” items on your credit report. This is something you can do on your own. Professional credit repair will involve attorneys and a detailed audit of how your accounts are reporting.
Should I hire a credit repair company?

Credit repair isn’t for everyone. Some companies will enroll customers regardless if they’re a good fit or not. You might not need to hire a company. At Phenix, we offer a detailed credit analysis to determine the best plan for your individual needs - no obligation.

Can a credit repair company really help?
Yes, attorney-backed credit repair companies can save you time and ensure you’re doing things right by helping you identify and gather the evidence needed. Not all credit repair companies are created equal. At Phenix, we only take clients we are confident we can help.
How long does it take to repair credit?
If you’re a good candidate, credit repair can take as little as three months to as long as a year. It depends on how negative accounts are reporting on your credit.
How much does credit repair cost?
Credit repair ranges depending on the company. Companies that do what you can do for free (dispute accounts) will charge $99 - $500.
If you’re a good fit, attorney-backed credit repair can range from $1,000 - $3,000. It’s always a good idea to get a free credit analysis to see what your options are.