The Phenix Group

Write a Review682-710-2011

CLOSED NOW - Opens at 8:00am

I would give 10 stars if that was an option! I started out with ZERO credit, and over $13,000 in medical debt, I had no idea where to start or what to do. As a teenager I never wanted to get into credit card debt especially after seeing how it negatively affected so many, as an adult I could not get any credit because I never had a credit card. Thomas was recommended to me just to see if there was anything that could be done since my husband and I were wanting to soon buy a home. He made the program so simple and easy to follow that it was almost effortless, and before I knew it I was finished with the program! I now have a credit score over 700 and ALL of the medical debt has been removed. I am now able to just focus on finding my family's dream home! Thank you to all who worked so hard to get me here and thanks to the friend that suggested I give them a try. If you are in the same boat, similar, or even a totally different situation than me you should give them a call, hear them out, and see what they can do for you!

Tom,
I just wanted to send a quick note to let you know how much I appreciated the job you did helping my Client. Your experience & skills made the entire credit transformation process run so smoothly, increasing his score by 163 points in 10 months, your efforts helped him acquire his loan and we will be closing in three weeks, you will always be my Go-To when it comes to credit transformation

Thank You Again ! ! !
Respectfully,

Luis Tapia.

Not one to share my business but I got to a point where I just didn't care. It ruined my credit. Tired to get it back on my own and I got +1 point in months. Tom and his team got me 184 points in less than a year. Stick to his plan and trust the program. Thanks Tom!

Joe Comacho was extremely professional and they work his people did with our credit was nothing short of amazing. Taking my wifes low 600 range score to the upper 790 range and my mid 600 to over 800 has changed both our interest rates but also ability to buy a home. Joe and his team are the complete package from advice to action. They get it done.

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!

Will Smith at the Phenix Group has been an absolute pleasure to work with. His knowledge of credit repair and financial management is top-notch, and he has consistently provided valuable guidance and support throughout my journey to improve my credit score.

Not only has Will been a valuable resource for credit-related advice, but he has also been incredibly generous with his time and effort. He has sent me a wealth of free information and resources, and has always been available to answer any questions or concerns I had.

I am extremely grateful for Will's hard work and dedication, and I truly believe that he deserves to be recognized and rewarded for his outstanding contributions to the Phenix Group. He is a valuable asset to the team, and I have no doubt that he will continue to excel in his role.

Will is the BIGGEST blessing. His guidance, advice and perspective helped me tremendously. He is in the process of making my dreams come true. He is THE BEST and only person I’d trust to assist me.

My wife and I have always been very skeptical about credit repair companies, then our close friends hired Mr Joe Camacho (The Phenix Group), they wanted to buy a house but their credit was bad, Mr Camacho did what he does best and made their dreams come true. That’s when we realized that he could also make our dreams come true, and he did! Thanks to Mr Camacho we are now happy homeowners! He works very hard for you and explains the whole process in great detail. If you need help with your credit - do not hesitate to contact him!

They helped repair my credit. Great people who care. Will did an amazing job!

Joe Comacho, hands down, is the best at what he does. Joe was referred to us by a mortgage lender to get us ready to purchase a home. Joe really helped us. I thought there was no way our credit score could jump as high as it did with Joe's help. I'm blown away at the outcome and how much he helped us! He is a straight shooter and doesn't lie to you. He gets the job done and does a d@mn good job. He means business and doesn't mess around. He always answered the phone when I called. I would recommend Joe to anyone that needs help with their credit. I have already referred three of my friends to him. AND, we were able to buy our dream home! Thank you, Joe!!!

Great staff! Awesome customer service! By far some of the best results I've had with this company.

I'm completely in love with the results Will Smith from The Phenix Group has provided for me, and the ease of their process. It was well worth it and I couldn't be happier. I've always been skeptical of credit repair companies, as I know most of them send out generic letters to the collection agencies. The Phenix Group worked with attorneys to handle my credit repair more in depth, where it was needed. My results were 100% account deletion for all 3 reports, over $21k in negative debt removed, and I gained over 300 points total between the 3 bureaus! My scores went from the high 500s/low 600s, to 727 on up! I wanted to cry when I received my results lol There was constant communication and any and all questions I had were answered promptly. I would 100% recommend Will Smith at The Phenix Group.

We were super skeptical that anyone could help my husband with his credit issues. Luckily, Joe Camacho and the team at Phenix isn’t “just ANYONE”. Over the course of just a few months, we started to see a huge improvement in credit score. By the time we were done we had increased our credit enough (150 points) to purchase our dream home after almost a decade of renting!
Joe is not just ANYONE, but the ONLY ONE you should be calling to help you with your credit repair!

My realtor recommended The Phenix Group - based on their reputation, she assured me that Joe Camacho would be able to help. I wanted to buy a home - I have a good salary, even the down payment but my credit scores were horrible (2 in the low 500s, 1 at 489). Joe and The Phenix Group totally turned that around for me. They worked hard to raise my scores from those horrible numbers to Good credit rating (640, 660, 789). Joe is very professional and takes the time to explain the process and what you should expect and when. He's direct and honest with you about your specific situation and he can and can't do. He shows you the results so you know that things are really moving. Credit repair companies talk a good game but they are just charging you monthly for little or no results. I'm grateful to the Phenix Group because without them, I would not be a homeowner today. Want results? REAL, tangible results that you can see on your credit report - call Joe Camacho and the Phenix Group.

I have recommended Joe's service to several of my friends and family because of the positive experience that I have working with him, he spends time working directly with you to achieve the goals you'd like to obtain, this guy is awesome at what he does and you will be glad you chose to work with him, he definitely delivered on everything he promised he would do. My scores have increased by over 200 points since working with him. the proof is in the pudding. Periodt

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

Joe Camacho and his team are amazing. I remembered the first time I received a phone call from Joe. He gallantly told me that, he's the one that will grant me ticket for half a million dollars loan. Ever since then, Joe have been taking care of my credits and ensure that I do the right thing. We grown to become a brother and sister without knowing each other. Last year December, I was able to buy my dream home.
Thank you brother for taking care of me and made my dream come through.

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.

Well, I can’t say anything less than perfection at its best, honesty at its best, and you get what they tell thou you can expect!!!!!

I started at a 430 ish credit score and after paying 3 separate companies to fix my credit after spending thousands and getting nothing, I was dubious, however I took one last leap of faith and BOY WAS I RIGHT!!!!!

Will ”The Credit Medic” was absolutely AMAZING! I’m currently sitting at Experian at 634, Equifax at 632, and TransUnion at 636. And they’re still not finished!!!

These guys are THE REAL DEAL!!!!!!!!!

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.