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Welcome to Phoenix Group Credit Services

Score ranges from 350-850 and is intended as a predictor of whether or not you will be 90 days late on a loan obligation. Typically calculated as:

  1. 35% - Payment History
  2. 30% - Debt Ratio
  3. 15% - Length of Credit History
  4. 10% - Types of Credit
  5. 10% - Number of Credit Inquiries

To maximize increases to your credit scores, we typically recommend adding trade lines to your credit files to improve your debt use ratio, #2 as listed above. For more information regarding trade lines, Click Here

Service Features

  • No enrollment or initiation fees - All fees are for service.
  • Toll Free support - We include toll-free support as well as automated email updates at no additional cost to you.
  • Pay as you go - Service are billed after having been performed. No Advance charges.
  • Surety Bonded Service - We are Surety Bonded for your protection.
  • State Registered Service - We are registered with the Secretary of State of Texas to perform the services listed herein.

Service Includes

  • Unlimited Disputes - No matter how many items we have to dispute, you will only be charged our low monthly fee. Dispute is only one of seven score improving actions.
  • Security locking - Against unauthorized information release and promotional inquiries.
  • Goodwill interventions - Recommended for mild late-pay accounts, this intervention leverages your fiscal relationship with your creditor in an effort to positively impact the record and reporting of your credit.
  • Debt validation - Recommended for certain charged-off and collection accounts. This intervention affirms your Federal Consumer Protection Rights by demanding a complete accounting of the listing or its removal.
  • Cancel anytime -We charge for our services one month at a time, only after work on your case has been completed. While we recommend retaining the services of our firm for at least 6 months, you are free to cancel the service at any time without penalty or further obligation.