My years of experience, understanding of credit worthiness and my direct involvement with your case is what makes the difference with Credit Restoration Institute. I know exactly how a credit report needs to look for you to get ideal terms on purchasing a new car or home. However, you should make sure you’re choosing a firm that offers unlimited disputes and an array of other credit interventions that can turn your situation around.

We will work with you from the very beginning to assess your credit needs and get to the root of your credit issues. Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or

Editorial Independence

Although poor credit scores are often a product of our actions, even the most responsible individuals encounter unexpected roadblocks that completely derail their once-healthy credit score. Becoming familiar with the factors that lead to bad credit will allow you to take preventative measures in the future and maintain your repaired credit score. Common areas that negatively impact your credit score include failure to pay bills, making late payments, declaring bankruptcy, and defaulting on a loan. These mistakes can cause your credit score to take an unhealthy nosedive – and they aren’t the only factors that can guide your score down a dicey path.

What Is Credit Repair?

Debt relief or settlement companies help by renegotiating the debt so that the person doesn’t owe as much. These companies reach out to creditors and work with them to lower the balance, interest rates or fees. credit repair near me can also do this to avoid the fees a company like this will charge.

The credit repair cost will vary based on the company and the credit repair program available. The Phenix Group does not do up front pricing for our credit support, nor should you settle for any credit repair specialist that does charge an upfront payment fee for their credit services. We do not provide a cookie cutter credit program; therefore, we can’t give a definitive work fee until a proper analysis has been conducted and an action plan written out by a credit repair analyst. Thankfully, we offer the credit analysis and consultation free of charge, so you won’t be charged a fee upfront. Once we provide a free evaluation, we can give you an initial cost of your repair plan.