The Phenix GroupReviews of thephenixgroup.com

I was introduced to Joe Camacho through my friend, who is also a real estate agent. I had an interview/meeting with Joe over the phone and he gave me a long list of notes about what my role would be to fix my credit score, which was at the time, in the 500's. Let me tell you, the amount of things Joe told me I had to do in order to facilitate the process sounded like a lot. The price of his services was also on the expensive side but I quickly understood that Joe isn't some guy working out of his apartment fixing credit on the side. He's a true professional working out of an office with an assistant. Joe helped me reconsolidate my student loans and got ALL of my negative payment history deleted. Within 6 months my credit score has risen to a 735+ and it's only getting higher now. It turns out the amount of work I had to put in was minimal and the results I obtained were excellent. I highly recommend using Joe over other repair specialists because I got what I paid for and I couldn't be happier.

Joe has been a miracle worker for us. Our credit went from 500’s to high 700’s. We never thought we would be able to purchase our own home. Not only were we able to purchase our own home, but we were able to lock in a good rate and get financed for $520k ranchette! We could have never done this without his help! Would recommend him to anyone! He’s fair and very honest! If you follow his program, you will succeed! - Nicole Snyder

Great business! I worked with David Rodriguez at The Phenix Group - he was fantastic! I came to David with my dream home on the line and my credit score down the tubes. He helped me put a plan in place to improve my score dramatically and ultimately get approved for the mortgage. Frankly, I didn't think it was possible, but David helped me improve my score 142 points in a very, very short period of time. Can't say enough good things about The Phenix Group's services and David's guidance!! Highly recommend. Moving into my new home next week!

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.

I started my credit repair journey not knowing what to expect. I just knew that I needed help and I was recommended to Joe Camacho of The Phenix Group. Let me be very clear.....IF YOU FOLLOW HIS PLAN, YOU WILL GET RESULTS. Joe is just as honest as he is knowledgeable about the nightmare that is CREDIT. If I want the best for my finances then I find the best to work with and I found that with Joe and The Phenix Group. He isn't going to blow a bunch of smoke up your butt and sell you a dream. What you see is what you get and I have no complaints. This is a business full of professionals working in your interest. Joe gets things done, END OF STORY.

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.

Joe has been amazing during this whole experience. Without with his help I would’ve never been able to purchase my car. 10/10 would recommend over and over again.

Joe Camacho's dedication to his clients gets results. He has helped my clientele improve their credit so they are able to qualify for loans they are seeking. He has helped a family member be able to qualify for a home. As a business professional, I highly recommend Joe as I have seen the results. I will refer any of my clients that need credit repair to him