The Phenix Group

Honestly the best decision I made for my family. I was super skeptical at first and didnt want to waste more money on something i wasn't sure would even help but took the risk and im so glad I did.
Started at a terribly low credit score and being a home owner was a pipe dream for us, however Joe made it happen!! Went from what seemed like never ending collections and debt to practically none. It was a lot of work and trust in each other to work as a team but Joe made it easy. I 1000% recommend him and his team to take care of all your needs. Just trust the process and he will make miracles happen!

Joe Camacho has been such a big help in many ways with my score and my way to owning a house and car!! I appreciate it Joe I would totally recommend him 10/10!

Mr. Joe Camacho is a straight shooter, uses all his expertise and his selflessness on prospering his clients and ultimately gets the job done. Being skeptical in the beginning is a gimme. But I will tell you out of brutal honesty. In my experience with Mr. Camacho the game plan was on the drawing board and was quarterbacked by Joe and was ultimately ended in a touchdown. Per usual I was in the “this is too good to be true” state of mind. But I was blind sided how effective, efficient and brutally honest his work was. He did his deed and with the whole ordeal in a nutshell I am now and have been opened to a new chapter me and my family dreamed of. You can start of taking my word, and you can see it first hand for yourself as well.

Of course in life and over time things happen and before you know it things snowball. Well Will stepped in at the PERFECT time to help stop our snowball effect. My husband had used his services in the past but I hadn’t so needless to say I was apprehensive to say the least , but I wholeheartedly feel like God sent Will to us at the right time ! My apprehension went away in less than A MONTH , we started seeing a difference. Not only is Will’s customer service SUPERD, he gives AMAZING financial guidance/advice . We are in our fourth round and by the end I have no doubt our scores will be back in the mid 700 range if not higher . And to top it all off we made one of our dream purchases in the exact amount of time he told us it would happen . All I can say is if you are going back and forth about what to do or trusting Will , this is your sign to go for it , you won’t regret it . His...

I was in the middle of purchasing a rental property and 4 weeks from closing a notice of a collection account appeared on my credit report causing my score to nose drive to a point below what the lender would accept. I contacted The Phenix Group and Will Smith handled my file. He was incredible and prior to closing on the property the item was removed from my credit reports and I closed on the property! Will Smith and The Phenix Group are the real deal and they will help you, no doubt. I would use them again without second thought!

Will Smith has gone above and beyond. He accomplished everything he said he would and then some. He was always very responsive, informative and professional. I wish I could give more than 5 stars.

My name is Angela Leon and I had the divine pleasure of working with Joe Camacho with the Phenix Group. It was by far one of the BEST experiences I've ever encountered. We all know credit associated issues are not easy (and mine definitely wasn't) but he literally walked me through EVERYTHING effortlessly and made me feel comfortable in the meantime, where there were times I wanted to give up or discouraged. He will FOREVER be my "go-to" person ❤️ Joe Camacho, I owe you a huge deal of gratitude 🙏🏿

Anderson suggests you use The Phenix Group

I had a great experience with Will Smith he gave excellent customer service and you can always trust this company to help you with anything.

**A Huge Thank You to Joe Camacho at The Phenix Group!**

When I first spoke with my realtor in November 2024 about buying a home, my credit score was so low that I couldn’t qualify for a mortgage. After years of renting, I was ready to take the leap—but my financial history was holding me back. My realtor recommended Joe Camacho, and while I hesitated at first, feeling embarrassed about my situation, I finally reached out.

From the very first conversation, Joe made me feel confident and supported. He never judged me for my past mistakes—he simply reassured me that we could get my credit to where it needed to be. Over the past few months, Joe has guided me every step of the way, even helping me find a lender who could work with my relocation from California to Texas. Thanks to his expertise and encouragement, I was able to qualify for my loan, secure my home,...