The Phenix Group

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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.

Working with David has been a godsend to my family. I had been trying for years to work on my credit with little success. After speaking with a few other repair companies, I was referred to David and from the first call, he was open and honest about the process, cost, and expectation. Not only did he meet the standard that he had set for our goals, but he far exceeded them! He was in constant contact with me regarding the stage we were at and I never had to worry about what was to come. He is even responsible for guiding me to my current home builder. I am forever grateful for his knowledge and experience. He truly is the reason I am a first-time homeowner now. Could not recommend him enough!

What can I say about Joe! He helped me get my credit where it needed to be to get me a beautiful home for my family. He was straight forward and I loved that. He definitely did not sugar coat anything for me but that’s what made me want to continue his program. I needed someone to tell me what was right and what was not. I definitely learned a lot about credit while on his program. He is very passionate about his work and that’s what makes his stand out from everyone else. He knows what he is talking about & will get you to your goal as long as you follow his rules. Thank you Joe for everything!

When my husband and I were searching for our first home, we were told I needed to raise my credit score to ensure we were able to get approved to purchase our dream home. I was unsure of what I needed to do to raise it, so we reached out to Joe with the Phoenix Group in March of 2020. Joe reviewed my credit and explained to us what actions I needed to take to raise my score. He was very helpful during the process and was always willing and ready to answer any questions we had. There was a time where I did something that could negatively affect my credit score. Joe reached out to me as soon as he saw it and I was able to resolve it.

In January 2021, we were able to place a deposit down on our first home. We would have about 6 more months to get my credit where it needed to be. Through that time, Joe and his assistant, April, were in constant communication with us. During the times I needed to contact a creditor, Joe or April would guide me through the phone call. Through Joe's guidance, I was able to address the things I needed to increase my credit score. We were able to close on our first home in August 2021. Yay! No more renting, we are now homeowners! My son loves his new home!

Thank you Joe and your team for the hard work, dedication and guidance you provided me with so that me and my family could purchase our new home! We highly recommend Joe and his team to review your credit and help you increase your score so that you can be homeowners too.

We hired David at Phenix to repair my husbands credit so that we could buy a house.
My husbands credit was pretty ugly… and David got us into a house a little less than a year later! He was always easy to contact, easy to talk to, and handled everything very professionally! 10/10 would hire again! Thank you so much for all of your hard work! You are appreciated over and over again!

Joe Comacho at the Phenix group has changed everything for us. Hands down the best experience with Joe Comacho at Phenix Group. We had our reservations about working with any company at all with all of the scams out there but he pulled through with everything he said he would do. My husbands score went up over 180 points since working with Joe. The sense of relief we have felt has been amazing. We had let our credit get out of hand and it was hindering everything we wanted or needed to do but we have already seen the change. We can’t thank him enough for all of his work. We have moved in to our new home on 15 acres and just had the most quick and pain free vehicle purchasing experience we have had to date.

I really needed to fix my credit and I didn't have a clue on how to start repairing it. I did some research and decided to go with The Phenix Group. I'm very happy with the results that David has showed me! He was very detailed on what I should do throughout the process of repairing my credit. If you have any worries or concerns about your credit, I suggest going to The Phenix Group because they have helped me get my score to where it needs to be. David and team are professional people. You will not be disappointed by the level of service that they have! I am grateful that now I am able to have better options when it comes to credit. Give The Phenix Group a call and you will see an improvement on your credit as I did with mine.

I'm not one to usually right reviews but I just HAVE to for The Phenix Credit Group. Backstory: my husband and I are in the process of trying to buy a home. I had been going back and forth with the credit bureaus trying to figure out why there was a freeze on my credit and had been fighting with them for well over a month. I finally reached out to our agent and asked for help and immediately she suggested we talk to Joe. Of course, handing over important, confidential information can be incredibly new wracking and I was very hesitant. I wish we would have connected to him earlier because, WOW! He went above and beyond for us. He managed to fix all of our problems in less than 3 hours. He truly knows his stuff and will get the job done. He's an incredibly friendly and professional man, I cannot recommend him enough! Thank you, Joe, for all you've done for us! You have a customer and friend for life!

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!

David from the Phenix Group is super helpful, kind, and professional. It turned out that I didn't need his services, and I was most impressed by his honesty and willingness to offer some helpful tips even though he wasn't being compensated. It really felt like he had my best interest in mind. Super impressed!

Will has been amazing in helping my husband and I get our credit to a place where we can finally purchase a home. The best thing is, it only took 3 months! We waited years for this day. I wish we had found Will sooner!

Joe and his team is WONDERFUL! No matter what was going on they never stopped working so hard for me and all clients. 2020 was a rough year but my credit repair process didn't stop. My credit score went up and deletions were happening just as Joe said it would happen. I was able to purchase my new home a year later, Feb 2020 I started and I closed on my new built home March 2021. Anytime I felt stuck or lost Joe helped me move forward and offered his great advice for my financial situation. He works long days and nights to get the best results for all his clients all the time. I loved the great work he did my husband is now getting his credit and identity theft issues taken care of with Joe and his awesome great team. Try them out and you WILL NOT regret it I PROMISE! They will set up a plan JUST FOR YOU and YOUR SITUATION!

I had a great experience working with Joe Camacho. He helped me completely rebuild my credit. I reached out to him after filing for bankruptcy and within one year after filing, he helped me go from a zero to a credit score in the high 600's, eligible for a credit card, and pre-approved for a car loan! Next stop: applying for a home loan!

I worked with Joe and his team over the past year to help me out of a hole I didnt think was possible to get out of. I started at a 480 credit score and I am shocked as I am now over a 750 and just purchased our first home!! Thank you Joe and team for all your hard work and awesome customer service.

I found The Phenix Group completely by chance, but I am truly grateful for it. Upon giving them my information for a FREE analysis, I was contacted the very next day via email by David Rodriguez. He assured me that he was here to help and that he could point me in the right direction; he did so much more than that. Even within our very FIRST conversation by phone, I knew I could trust in him immensely and he did so well at building rapport within the first few seconds of our conversation. Throughout the process, he remained in contact with me, we would contact each other by phone, email, and text (there were periods where he would be on the way to other appointments and couldn’t answer but he would still make sure I was taken care of) he really made me feel like a priority and I could tell he genuinely cared. I would never hesitate to call him if I needed his assistance and I never doubted his responsiveness. In hopes of saving this from being a lengthy post, I just want to emphasize that my interaction with David Rodriguez was by far the best interaction that I’ve had with any service that’s helped me in the past. He was exceedingly knowledgeable and would go beyond just answering my question, he responded within minutes, and he would always ask me to email him to keep him updated (which I loved). I would give David and The Phenix Group 10/5 stars, they have exceptional service and I would recommend them to anyone.

My Man Joe Camacho helped me an my wife get our credit to where it had to be so we could get a house and we got got a fuckin house soooo exciting but he didnt stop there he kept goin after we got our home to make our credit even better this dude is awesome hard worker and on our ass about how we spend and use and everything to get shit done but it's worth it every step of the way really really recommend this guy!!!!

We have been working with Joe Camacho for almost a year already, he has been a blessing helping us fix our credit. He is very blunt & straight to the point. He does not mess around and gets straight down to business. Even when something pops up on my credit that was from a few years ago, he is very positive and gets right to business trying to get it removed from my credit. And with all his hard work plus ours we we’re able to purchase our 1st home. He will be forever grateful for Joe Camacho and he will always be apart of our family a forever friend.... I do highly recommend The Phenix Group Joe Camacho..