We believe in flexibility, fairness, and building trust—not locking you into something you don’t need. Every credit profile is different, but most of our clients begin seeing progress within days. Our process is designed to be efficient, transparent, and tailored to your unique situation. Through our partnership with Rental Kharma, you can report rent payments to help build credit.

Take Charge Of Your Credit Score

The most important factor considered in securing any business loan is your overall credit rating. The Phenix Group credit repair company can help restore your credit scores in the shortest possible time, so you can secure your business financing. TPG, a reputable credit repair company, has built relationships with a plethora of business finance lenders to help with all of your business financing needs. Schedule a free credit analysis today to learn more about the credit plans available to you and your business.

Try to avoid applying for many new credit cards or closing several old accounts without a larger financial strategy. With credit, everything is connected, so closing old accounts and immediately opening new ones could shorten your credit history length and hurt your credit mix. Some programs can improve your credit score by expanding your credit file. They do this by reporting alternative data that is not typically included as part of your credit report.

Your Path To Better Credit Starts Here

You may have seen the advertisements promising to help you “repair” your credit, but what does that mean? While there is no magic bullet when it comes to credit repair, there are steps you can take to improve your credit score. How Credit Scores WorkYour credit score is a numerical representation of your creditworthiness. It’s used by lenders to determine whether or not you’re a good candidate for a loan or line of credit. Credit scores range from 300 to 850, and the higher your score, the more favorable terms you’ll be offered by lenders. No matter how many accounts you have on your credit reports or how much work we have to do, you will only be charged one low monthly fee of $49.99.

Decreasing your outstanding balances or eliminating debt altogether can improve your debt-to-income ratio, which is used to determine if you can effectively take on more debt. Our goal at FinMasters is to make every aspect of your financial life easier. We offer expert-driven advice and resources to help you earn, save and grow your money. You’ll have to decide whether the experience and the superior tools outweigh the recent history of legal problems.

Once you’re approved, you can use your secured card just like a regular credit card and build your credit by consistently making on-time payments. You may be able to get your deposit back and convert your secured card to an unsecured one once your credit improves. Credit repair companies promise to clean up credit reports for a fee. You have the right to correct inaccurate information in your file, but nobody can remove accurate negative information. Only time and conscientious payments will repair your credit report.

Should you choose to purchase any Third-Party Products, the Third-Party Providers’ terms and privacy policies apply to your purchase, so you must agree to and understand those terms. MoneyLion may receive compensation from third parties for referring you to the third party, their products or to their website. Did you notice that the intervention of a credit repair company isn’t mentioned?

In Miami, credit repair companies are also regulated by the Florida Credit Repair Organizations Act (FCROA). The FCROA requires credit repair companies to be licensed and bonded, and prohibits them from engaging in certain practices, such as charging upfront fees. We have an easy-to-follow process that consists of a step-by-step plan that address problems in your credit file and fixes them one by one.

At The Phenix Group, we’re proud to be recognized among the best credit repair companies, offering attorney-engaged solutions designed to help you get back on your feet. In terms of services, consider factors like how many disputes each company can file each month, whether credit monitoring is included, and which credit bureaus they’ll work with. It’s best to get your credit corrected with all three bureaus — Experian, TransUnion, and Equifax — so keep that in mind when comparing services. We also recommend looking for credit repair companies that offer free credit consultations to go over your report and explain what they can do to help. Credit scores are independently determined by credit bureaus, and on-time payment history is only one of many factors that such bureaus consider.

Rebuilding credit takes consistency, patience and a strategy that fits your situation. Whether you’re starting from scratch or recovering from past mistakes, there are steps you can take to get your score back on track. Vance Dotson has the most unique business I’ve ever heard of in credit repair.