What can I say, like us all I had bad credit for years of not knowing, what the credit game was all about. I thought to gain good credit you had to use it and pay the minimum amount each month and I would get a 720 credit score. Well as we all "Now know" that is not how you gain a 720 or better credit score. My wife's and I journey began when we wanted to buy a house. So of course we started to have "mortgage companies" pull our credit reports. Man were we in for a shock. Our scores we in the mid-500's. We have one company going to give us a mortgage of only 100,000. Well in Northern California that was small dump. So we said no thank you, and started looking for credit repair companies. Of course we found the usual companies that just want to consolidate are bad credit and have us pay a small amount monthly. While that was alright, my wife has done that in the past and the credit still stay's on your credit file but "as paid". So as any good husband we kept looking, because we not only wanted to pay and get some of the creditors off of our reports. You see a lot of the debt was sold many times over, so the same account was being reported 3 and 4 times by different companies. So my wife read reviews for "The Phenix Group" they are so different from the consolidating companies. We spoke with Joe Camacho the next day, he pulled our credit told us what he and his team could do for us. We signed up that day. Joe Camacho told us the creditors will stall us, by not relooking into the accounts, they did that. It was a process, so much that i wasn't sure it was working because I didn't see a "drastic increase in my points". I called Joe Camacho up and "angerly told him, he wasn't doing anything to improve my score." To which Joe Camacho said in a professional manner, that my score will increase after all the old accounts are done be disputed. While Joe explained that my credit didn't get bad overnight, it will not get better overnight either. He also said in that phone call that I may have not went up in points. But one of my credit files only has items remaining on it. At that point I was amazed and apologized for my harsh words. Joe Camacho worked hard or us and when he was done my wife and I both had a 650 credit score. Which let us buy a house in the craziest time in history. We signed the papers for our house May 26, 2020 which was at the start of the "COVID 19 SHUTDOWN." Joe Camacho and his team at The Phenix Group our amazing. I know this is a long post but please read it thank you. read more

I met Joe through a homeownership tour. He spoke about the importance of having good credit to purchase a home. I have tried several credit repair companies in the past but none of them compare to The Phenix Group! I decided to call Joe in Jan 2020 to see if he would be able to help me get the credit score needed to purchase a home. I gave him what i thought to be an impossible task. My situation was that my lease was going to be up in April so I needed my credit repaired in a short amount of time because I had to move out of my apt. When he told me that he would be able to do it, in my head i was like no way he could do this in 4 months. When I had the consultation, it blew my mind! He was so thorough in explaining how this process was going to work. I had to take notes lol! He made sure I understood what my role would be in all of this and he made sure I understood what he and his team were going to do. Everything he told me in the consultation happened and in March 2020, he called me and told me I could put my 30 day notice in to my landlord and that my score was good enough to obtain a mortgage. I was so happy hearing that and it honestly brought me to tears because I never thought that I would be able to actually buy a home. On May 22nd I closed on my first home! I ran to my daughters screaming I did it. I got us a house. Your mom did it! We were high fiving and hugging lol. The joy I felt at that moment is indescribable. I would not have been able to do this had it not been for Joe and his team! They are incredible and simply amazing. I would recommend them in a heartbeat. Hands down one of the best companies I have ever worked with. I am forever thankful and grateful for all The Phenix Group has done. I thank you, my daughters thank you and even my dog Neko thanks you because now he has a backyard and a patio to chill out on and he couldn't be happier. He absolutely loves it. He is always outside now. So Thank you again Joe for all you have done. I really appreciate everything you guys have done to make this homeownership dream come true. read more

My husband and I were try to buy our 1st house in May 2019. We dealt with the usual mortgage lender that help people get a home with bad credit. Well that was far from the truth. So we started researching credit repair companies, and I know from using a consolidated credit company in my younger days, that they don't work. I found Joe Camacho from a yelp review. My husband and I both talked with Joe for over 2 hours about, what he can do for us, a timeline of how long it will take, and things he needed us to do to be successful with him. We got started right away with Joe. The first thing was to send Joe everything the creditors sent to us, we did that faithfully. Joe said the creditors will use stall tactics to keep reporting the debt, they did this. But Joe and his team stayed on top of the creditors and ended up getting a lot of the old debt deleted. At one of the credit bureaus my husband has no bad debt, just positive accounts. Which shot his credit score up to a 742. The only thing is I wish the (batch date) was made an importance at the very beginning. But once Joe explained the (Batch Date) we got on the phone with all ours current creditors and found out when they report to the bureaus, aka the (Batch Date). We will be forever grateful to Joe Camacho, exactly 1 year from when we originally spoke with Joe we signed the papers for our 1st house May 2020. I know we all have reservations if a credit repair service will really do as they say or just take you money. Joe Camacho is the Real Deal. He is always professional even when you are frustrated with the process (my husband). He brings you back to focus and reminds you that you didn't tank your credit in one day, you did it over years or months. He works hard for you, but he needs you to work with him. My husband and I strongly recommend Joe Camacho he is a true businessman. Thank you it was a pleasure working with him. read more

Before I started working with David Rodriguez, I almost gave up on buying a house. I had so much doubt in myself and with my credit score. I felt like I was doomed. Being a Realtor and understanding the business, I forced myself to keep looking for another option to help get my credit score up, I still doubted it though. I went on a FB group for Realtors and posted asking for assistance to get my score up, I asked other fellow realtors what they would do for their clients. David privately messaged me, at first I was hesitant because my thought was people are always trying to sell you stuff. I originally thought that's what he was trying to do. He arranged a phone conversation and once I got on the phone with him I immediately knew that he knew what he was talking about, His confidence made me feel so comfortable and his Texas accent was so adorable, I instantly knew that he was my only option if I wanted a chance at buying a house. In the first round David was successfully able to get the amount that I paid him for his services off of my credit report. That made it basically free, going forward I knew that I had absolutely nothing to lose, only gain. It took about 5 months and he got so many things off my credit report. This last April I prematurely allowed a lender to run my credit to see if I would qualify for a house. To my surprise I qualified and my score was better than we all anticipated. I did it! We did it! I honestly don't believe that I would have been able to do it without David! I trust him & I highly recommend him to all my friends, family and clients! I still can't believe that I bought my very first home, I seriously can't thank David enough! Sisley Cervantez Northern California Realtor #02060498 "I'm Never too Busy for your Northern California Referrals!" read more

"Mom, is Joe your friend? You just told him your whole life" - that was my 10 year old after I finished one of the many calls with Joe Camacho - which indeed, knows more about my life than I ever imagined possible from a "stranger"! When I heard about Joe Camacho and the Phenix group, I was as skeptical as one can be. How could this person "magically" help me achieve, what I had "methodically and through all possible score-increase Google reads", not been able to achieve in years!? I went ahead and prepared myself to hear that my credit score would not get any better, that I had paid what I needed to pay, and that after a divorce-impacted-score and too-many-medical-bills, I was done and needed to give it time. I put the hesitation aside, and wrote him an email. The next day I received a call from Joe. It was his transparency, assertiveness and knowledge on finances, that gave me the push needed to move forward. Joe asked of me to be committed and to follow his "rules". Soon after the first round, I started seeing my score increase. I have seen such a huge improvement! Joe not only takes the time to thoroughly explain the process and the possible outcomes, but he also finds any teachable moment and makes of any call a learning experience. He has shown me over and over again that he is committed to helping his clients continue to carry a healthy financial life-style, even after finishing the program. Joe truly does whatever-it-takes! I couldn't recommend him and/or thank him enough for all the 45 min+ calls, the "suck-it-up-buttercup" moments, the "real" talks, and the moments of "trust me, it's going to be okay". Thanks you, Joe (and April!), for giving me the opportunity to experience and feel financial peace! It's priceless! read more

I want to say thank you to David Rodriguez and The Phenix Group for their amazing credit repair service. I was referred to David by my mortgage lender in Ashville, NC. I was in very bad shape with my student loans and other credit issues from going through tough times in my younger years. I have been living off of cash for many years and got used to paying for what I wanted in full. It is a great feeling to be able to do that but as David says, "It's a whole other ballgame when you don't have to." Obviously I didn't want to nor could I pay for a house in cash. After talking with him, he got a copy of my credit report and came up with a thorough plan for restoring credit. He showed me how to increase credit scores by managing my credit accounts as he was doing his credit repair service. During the consultation, he explained every detail of how they were going to go about the process. I was blown away. There was so much information but he was so good at making it make sense that now I feel like I know more about credit than most bankers or finance companies. With the knowledge I have now, I will never fall victim to bad credit again. It took about 4 months but he was able to raise my credit scores 200 points from the low 500's to the low 700's. Amazing! Not only are they the best credit repair company in Texas, but I'm confident they are the best in entire country!!! I closed on my home in December and got the best interest rate for my mortgage. Thank you for your help David and The Phenix Group for your hard work and patience with me and my wife. We are forever grateful for your services. Call The Phenix Group today and ask for David... or Brian... he was helpful too when David was out. read more

I had the absolute pleasure of working with Brian Quinn, a Senior Credit Analyst at The Phenix Group, and I couldn't be more impressed with his professionalism, honesty, and transparency throughout the entire process. Brian's guidance and coaching on my credit situation were nothing short of exceptional. From the outset, he took the time to meticulously assess my credit profile, patiently explaining the intricacies of my current standing and the potential paths forward for improvement. Under Brian's expert direction, my credit scores made a remarkable transformation. In a mere six months, they soared from the high 500s to an impressive 720. This significant improvement was pivotal in helping me achieve my ultimate goal - getting pre-approved to purchase a home. Brian's unparalleled knowledge and unwavering commitment to my financial well-being were instrumental in making this dream a reality. What truly sets Brian apart is his genuine desire to help people improve their financial situations. It's evident that he takes immense pride in his work and is dedicated to empowering his clients with the knowledge and tools needed to achieve their goals. I wholeheartedly recommend Brian Quinn to anyone seeking guidance on credit improvement. He's not just a credit analyst; he's a trustworthy partner on your journey to financial success. I'll gladly refer anyone I know to Brian, and I'm confident they will experience the same outstanding service and results that I did. Brian Quinn at The Phenix Group is the epitome of excellence in credit analysis and repair. Thank you, Brian, for your exceptional service and commitment to helping others thrive financially. read more

Our home buying process started about 3 years ago. We applied with a mortgage broker, and we got approved for $100,000. We were a little bit depressed and did not understand why we did not qualify for more. About a year went by and we started looking for a mortgage broker near us and we found one. Our mortgage broker looked at my credit and knew it need work. I tried for a few months to work on raising my credit by myself without help. I was able to make some small improvements. My mortgage broker passed Joe Camacho name to me and said give him a call. I waited a few months before I called Joe. On the first call Joe ask some questions and setup a follow up call to brief the plan that he came up with. In May of 2021 Joe briefed the plan he laid out as well as the ground rules and a step-by-step guide from start to finish. What Joe told me that night sound to good to be true. I was a little bit apprehensive at first, but I trust our mortgage broker and told Joe lets get me ready to by a home. During the process Joe fixed some mistake that I created earlier trying to fix my credit by myself. On credit karma my score was in the 585 range when we started and currently with Joes help it is now 758. Joe puts his heart in soul into his work and fights hard to repair your credit. He is very professional and super knowledgeable. With Joes help I was able to get approved for a $500,000 home loan. Also have we closed on the house I was able to purchase a new vehicle and Joe helped me with getting a credit card. My only regret is I wish I would have called Joe sooner. I highly recommend Joe Camacho for your credit repair needs. read more

I have been working with Thomas Torello for over six months and its been such an amazing experience. I was referred to him by our amazing realtor. Thank God she did tell us about him Because we got our dream home that I could never imagined being ours. Even to this day after a few months of living in this house it still feels surreal. My wife and I came to him with so many credit issues. We really didn't think it would be possible for home ownership yet alone our dream home. He was very consistent and very thorough from the start. He explained everything to us from the very beginning as well as educating us. He held our hands along the path. He became like family and is always very caring. Every month he would always give us details on our credit reports and spend as much time as we needed to explain everything. IN addition to all the behind the scenes work he did. I was so amazing seeing negative accounts being updated to positives or being deleted completely. We watched my credit score go up every month. When we found the home of our dreams he had us ready and also had a lot of resources to help us find the best lenders. We still talk to him to this day. he genuinely seems to care about our family and the whole home buying process. I could go on and on about how much he changed our lives but I've said enough. Do yourself a favor and let Thomas change your life too. read more

I just Google credit repair near me and this company had come up. I called and spoke with Tom Torello and explained my desperate situation. He was professional, thorough and KIND. I was desperate because I had qualified for a home loan a year ago FHA. We were going to buy the house we have been renting for 9 years. The house needed to be brought up to FHA standards and the land lord took this long to do the work to it. When I re-applied I no longer qualified due to high rates and a couple of things hit my credit. We had also invested our down payment in the house(I know, shouldnt have) but we did so to get it over with. Anyway, I sent Tom my credit reports and he reviewed them and called me with a plan. However, I could not afford it. He understood, wasn't that annoying pushy sales person. He left me with some free advise and I truly appreciate that because he didn't have to. I took his advise and called a collection on my report and told them what he advised to see what they would say and see if they'd remove it and they did!! That was all it took to get my credit BACK to a qualifying score in just a month or so. He could have pushed to take my hard earned money and given me zero advise. But he did and he made a difference. Thanks Mr. Torello for your empathy and kindness! You won't be just a paycheck to him. He cares! read more

Before I signed up to work with THE PHENIX GROUP I was working with Philly credit mechanics and I was in a constant state of wondering and questioning their methods, continuing to pay fees that lasted forever; yet, my credit was going nowhere fast.Having to sign up for various clubs to build more credit and those clubs either going out of business or closing their doors on people who signed up to build their credit. To be totally transparent I was hesitant about going in with Joe Camacho and The Phenix Group solely because I didn't want to repeat the same exact process and experience what I had experienced with Philly Credit Mechanics. Now, I'm wishing I would have signed up sooner. My credit score has jumped faster that anyone I personally known coming for a four hundred to five hundred point score. Joe has also ran a background check on the way Philly Credit Mechanics operate and explained to me the difference between his firm and theirs. I truly respect Joe Camacho and The Phenix Group and I've also referred a few of my friends and associates to work with Joe and his firm. He not only assists you but he also gives you a crash course education on how Credit is built and used properly in order to build something substantial. Thank you Joe Camacho and Thank you Phenix Group read more

At some point or another, a lot of us will find ourselves in a situation where we wished we had better credit. Unless you have a magic genie, you're second best option is the Phenix Group. I spent a LOT of time searching for a firm that would help me rebuild my credit, and after reading the reviews, I stumbled across these folks. I have to assume that all of their associates are amazing, but I had the fortune of getting in contact with David Rodriguez. I would 1000% recommend him to any of my friends. I am in no shape or form being compensated for this review, and I am under no obligation to do so - but I figured that the best way to show appreciation for his hard work would be to post a review to hopefully increase his business in the future. The man knows his work and he obviously has a passion for it. As you can see from the attached picture, my credit score is up 100 points within the first few weeks of working with him. Don't get me wrong - just calling a firm and asking for help won't do you much - you're probably still going to have to pay off some bills; but having a team of consultants and lawyers working for you will give you an edge that most people getting into credit repair don't have. read more

I have been really focusing on my credit repair for past year. Trying to repair it after my divorce, and medical bills. I Worked with several different credit repair companies that gave me the same run around and no results. Last one was Lexington law, after working with them for several months making monthly payments, and seeing no results I was getting frustrated. I found Phoenix Group after doing some research online, and after reading several reviews I reached out. I am now working with David Rodriguez, he has been a great help so far. When he first contacted me I was a little skeptical because it did cost more money, and I was getting tired of paying credit repair companies at this point. However I knew going into this it wasn't going to be free, but I decided to invest in myself, and get my life back on track. David did tell me nothing was going to be fixed over night and assured me that my credit will get better with time. It has been about 3 months now and my credit has gone up almost 100 point, accounts in collection disputed and removed. We still have some work ahead of us to get to where I want to be, but I have no doubt I have the right guy on the job! read more

When this process started I had only a vague notion of what You could do to help someone in my situation, and honestly even less belief in the outcome. Now a little more than a year and a half later here I sit with just shy of absolutely perfect credit, it's truly surreal. Not to mention during this last year and a half we purchased our dream home, bought a truck that absolutely exceeds anything I ever thought I would own, but most importantly you have improved our quality of life. Your techniques have taken all the stressors out of life. I don't know how, and honestly I don't care how, but you changed our lives for the better. I wake up everyday and it's like a breath of fresh air, a fresh start if you will. So to you Joe I say thank you, I'm serious, thank you for the second chance. Not many people meet someone in their life time who can make a significant life changing impact, but I did, and I would beg anyone reading this to take the leap of faith. By far the best money I've ever spent, my life now compared to before we found you is a complete 180. Good luck to you Joe, and I'll be sure to spread the word about your services to anyone who will listen. read more

Mr. Camacho and his team at The Phenix Group do AMAZING Credit Repair! As a Realtor having, a great Credit Repair Company that actually come through in a time frame and help Buyers achieve the ultimate Goal of purchasing a Home is critical. Life happens and should not denie people from Buying a Home. Mr. Camacho has actually proven his system works time and time again! I've had a number of clients get denied by a Lender and say my Buyer is about a year to year and a half out before they can purchase. I've sent them to Mr. Camacho with The Phenix Group, not only did he get the deletion and disputes off the credit report he also got an increased credit score, not just the minimum requirements but higher! He stays in communication with the clients and follow's up to insure the borrowers stay on track to finish the program. One example (of many), I had a client who need 80 points and some deletions. Clients went through the program and was able to start their home search 3.5 months later and moved into their first Home! If you need a Credit repair Company that produces results The Phenix Group is the Company! Wilton Reynolds REALTOR TCP REAL ESTATE read more

"I was recommended to Joe Camacho with the Phenix Group by a trusted friend of mine who is in the commercial lending business. He told me to call Joe and definitely not the credit repair businesses that advertise all the time. I did and felt very comfortable from the very beginning that Joe knew what he was doing. At the initial conversation with Joe was very open and transparent. I was told what I would need to do, how much he would charge, how long the process would probably take and what to reasonably expect the outcome to be. I found it very reasonable priced, less than I expected, and simple. The process happened just like Joe laid it out and I did as I was told. I did not have to converse or correspond with any of the creditors, and there were a number, even a couple of judgments against me. At the end of the process my score was raised over 150 points to better than 800. I could not be happier with the outcome and could not be happier working with someone like Joe. I fully recommend him and would tell you if you call someone else you would make a huge mistake." read more

Normally I don't do reviews... but this time I am making an exception because of how GREAT Rafael and his team were. I was searching online and almost went with someone else, who probably would have taken my money and not helped me at all. I'm super glad I made the decision to reach out to Rafael. He not only helped me repair my credit but helped me qualify for the purchase of my home. Before going to Rafael I had been declined for a home loan by multiple lenders and I thought owning a home was out of the picture for me. Rafael really took the time to explain in detail to me what to expect. He set the expectations clearly and he followed thru on what he said he would do and by when. Whenever I had a question, he was a call or an email away. He is dedicated to his role and you can expect nothing but the best from him! Just follow his instructions and you will be on your way to a better, healthy financial life. Rafael, thank you again for all your hard work and availability. You are truly the best and I am glad you were available to assist me! read more

I was introduced to Joe and the Phenix group during a very vulnerable time in my life when I had goals but needed help to get there. Joe was able to meet with me while I was on the other side of the country via telephone call and after 3 hours of him going line by line and step-by-step with everything that was going to happen I then felt comfortable with the process. We had our good days as well as our bad days with him telling me things that I didn't want to hear but I did need to hear. My overall outcome was to purchase my forever home that I have been wanting for over 2 years and he and his team made that happen for me and my family.. I've never seen my husband so proud of me knowing that I was able to accomplish one of my goals that I've been trying to accomplish for years. It is true that everybody needs help at some point in their lives and I trusted my life with Joe and his team. I can't thank him and his team enough! I would give him 20 stars if I could! I highly recommend him for your credit needs and just knowledge in general! read more

I did a lot of research before giving the The Phenix Group a call. In February 2020. I was connected with Brian Q. He was very professional and he let me know what to expect up front. I have really good credit but, I had a collection I needed removed so I called The Phenix Group. Brian told me he could not give me a time frame because it depends on how the response goes from outside sources. Long story short, I did get a little worried because I only had 1 thing I wanted removed and it was taking almost a whole year. Brian was great with communicating. With all the changes because of the Pandemic they still worked with me free of charge after the terms of the contract was up. This is the best decision I have ever made financially. They did everything by the book and kept a great paper trail. I also did my part by calling or sending an email every month just to see if there was any updates. Almost a year in, the collection is finally off my account and my credit is even better than it was before the collection was put on there. read more