Free Consultation

fix credit in dallas


According to a report from Experian, the average debt-per-consumer of residents in the Dallas metro area is just shy of $30,000. In addition to bearing some of the highest debt among Metropolitan regions across the nation, Dallas consumers also shoulder some of the lowest credit scores in America, with a median credit score of 708 on a scale ranging from 300 to 850.  If we dissect the numbers further, an estimated 51% of the population are holding what’s classified as a very poor (300-549 range) or poor (550-649 range) credit score; which makes sense why Dallas credit repair services are needed.

From the vibrant downtown Arts District to the home of the Dallas Cowboys to the upcoming 10,000-acre urban park, which is projected to be over 11 times the size of New York’s Central Park, the flourishing city is experiencing a wealth of economic prosperity. As population growth, business opportunities, and employment gains continue to thrive, it makes living in the area incredibly expensive. For those suffering from bad credit, regardless of the circumstances that caused your credit to plummet, achieving your desired lifestyle or purchasing a home to raise your family in, can feel virtually impossible.

Do You Have Bad Credit?

dallas credit repair
If you have bad credit, not only can lenders deny your application altogether, but if approved, you’ll encounter higher-than-average interest rates on your mortgage loan and credit card, as well as pay an inflated premium for car insurance. Living in Dallas is already expensive.

Living with bad credit can feel like you’re walking through life with shackles tethered to your arms and legs. This is where we intervene. Our client-focused credit analysts and expert attorneys, skilled in consumer law, will conduct a personalized audit to understand your challenges, the factors and behaviors driving your poor credit score, your goals, and what your time-frame looks like.

How Does Bad Scores Happen?

Although poor credit scores are often a product of our actions, even the most responsible individuals encounter unexpected roadblocks that completely derail their once-healthy credit score. Becoming familiar with the factors that lead to bad credit will allow you to take preventative measures in the future and maintain your repaired credit score. Common areas that negatively impact your credit score include failure to pay bills, making late payments, declaring bankruptcy, and defaulting on a loan. These mistakes can cause your credit score to take an unhealthy nosedive – and they aren’t the only factors that can guide your score down a dicey path.

Some less obvious, but equally powerful, slip-ups revolve around your credit card use. Closing old lines of credit, even ones with a zero-balance, or worse, canceling a credit card before you’ve paid any outstanding balances will reflect poorly on your score. In addition, if you frequently max out your credit card, despite making consist or in-full payments, it can adversely affect your credit standing.

Common mistakes that lead to credit repair:

  • Habitually late on payments
  • Filing for bankruptcy
  • Having an account charged off
  • Defaulting on a loan
  • Closing old lines of credit


Free Consultation


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 Dallas credit repair solutions to help you find success.

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




Disreputable firms, phony advertisements, and credit repair companies that mimic the used car salesman persona have not done any favors for the credit repair industry. Not only are we a legally compliant Dallas credit repair company, but at the heart of our business is integrity and care for our clientele. Resolving our clients’ challenges and providing them with the stepping stones necessary for realizing their goals is the pulse that keeps our company beating. From debt settlement to loan consolidation to charge offs, The Phenix Group is ready to help you improve your credit and lifestyle today.

Let’s talk
100% free consultation!