The Phenix Group Avis 

Joe Camacho and his team have been absolutely amazing and integral to the growth of my credit and standing with the bureaus. Fortunately, he came via referral which is preferably how I like to do business. I can see why his reputation is stellar. You cannot put a price on the peace of mind this brings to one’s identity and livelihood. Appreciate y’all!

Will Smith from The Phenix Group is a true professional. He pays attention to details, is polite, and has a deep understanding of credit matters. Thanks to his help, my credit history has significantly improved. I highly recommend this company and Will Smith to anyone seeking a reliable credit partner.”

I was hesitant at first, but I had to make that step. Joe Comacho was rough on me at first, straight forward, no BS. At the end I understood why. As long as you follow every step he says. YOU ARE GOLDEN! IM
A HOMEOWNER NOW! Thanks JOE!! Highly recommend Joe and his team!!

Joe Camacho at the Phenix Group is dependable, professional, resourceful w knowledgeable. If he cannot fix your credit, he will not waste your time. We wouldn’t be living in our new home without Joe’s expertise. We went from low 600s credit score to almost 800.

This is the first time dealing with a company that stand on their word. Will Smith did above and beyond for me. You’ll be skeptical then boom debt free. The price is worth the results. Let him help you. You won’t be disappointed.

I can’t thank Joe Camacho enough for all of his hard work and support! I started this process last August thinking it was going to be stressful but it was smooth and life changing! When Joe and I started working together in August my goal was to buy a home for my family within a year , I’m giggling because three months into the process on November right before thanksgiving my family and I got the keys to our brand new construction home! I cannot thank Joe enough for his support and commitment, even now I still call him for any help or guidance and I always remind myself “WAIT, what would Joe tell you if you did that or applied for this ? “ lol I have become very more aware of being good with my needs and not my wants it’s a life changing experience and I’m forever grateful to Joe!
Everyone’s process is different but you will never know unless you take the step! You gotta sacrifice a little to gain a lot and Joe is the best at what he does! Thanks again Joe!

I came across Joe Camacho while he was assisting someone else and he seemed like he knew what he was talking about so I asked him for some help. He was very knowledgeable, was able to answer all my questions because I did not understand the legalese being used, and he was very professional. He not only helped me initially but after some time passed when I had more questions and needed more help, he helped me again. He was very understanding and compassionate, and I appreciate that about him.

In today's world, encountering someone with unwavering integrity, especially when navigating the purchase of a home, is truly refreshing. My experience with Joe Camacho has been nothing short of remarkable. He possesses the remarkable ability to work wonders, going above and beyond throughout the entire process and even beyond. Joe is my trusted source for candid advice regarding my personal profile. Trust his guidance and adhere to his principles; it truly yields results!

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!

I could say so much about Will Smith and his help but I will try to keep it short! Will went above and beyond to help us get our credit straight! He was responsive and so supportive throughout the whole process. The service is 100% accurate and honest!! We started with Will November 2022 and he stayed with us until we closed December 2023! Words can’t even express the gratitude of such an amazing team! I feel like I’ve met a family with Brian and Will! It was such a pleasure working with him. Happy to say we are first time homeowners because of Will’s help!

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.

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!

I Highly recommend. The service provided was outstanding. Thanks to "Will Smith" from "The Phenix Group".I am very satisfied with the help and justification. I received for my credit issues. Thank you so much I could not have done this without y'all. I look forward in counting to work with y'all.

My experience with David Rodriguez was amazing, he helped me along the way, and made sure I knew the steps in the process that was going to help my credit score and take me to the next level! My credit is still growing, and even after the program he still reaches out to communicate with me and reassures me that if I need him in the future, he’ll be right there for me and my family! Give David a call or a text, and he will make sure you and your credit is well taken care of!

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!

These reviews are fake. These have to be friends and relatives, or paid review writers. I have about 5 small collections on my reports. Only one was removed in over a year of waiting 2021-2022 still no more removals. Will Smith was my advisor, everytime I asked about results he blamed covid for slow responses from the agencies. I wasted time sending him notices because nothing ever happened behind it, just lies and false promises. I honestly just want my money back. All they did was take my money and gave nothing but excuses. This agency is not even BBB accredited and should be shut down. I'm on a path to remove the FEW collections myself. Thanks for nothing Phenix scam. Consumers BEWARE

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.

I have know Will for many years, The kindest most helpful person you could work with, very detailed and patient while explaining options that are available.