The Phenix Group

Was recommended by my mortgage lender to help with my credit and I was skeptical because of credit help in the past. I went in with an open mind and right off the back Joe didn’t hold back and explained everything in detail and had a plan specifically for me. He helped me go from a low credit to up to 730 with his help, I had the opportunity to purchase my first home! I can’t thank Joe and his team enough for the hard work he has done for me and my family. Any trouble that got in the way Joe always made sure to call and figure out another plan to get to the finish line and that’s why I will always recommend Joe and his team for any future financial assistance!

I had a really great experience working with Mr. Will Smith. He helped me raise my credit a lot faster than I expected. He went through my credit report, disputed things that shouldn’t have been there, and guided me through the whole process.

What I appreciated most was that he didn’t just fix things and disappear — he also gave me solid advice on what I should do moving forward to keep building my credit the right way. He was easy to talk to, explained things in a way that actually made sense, and was always willing to answer my questions.

Because of his help, I’ve already seen my credit improve and I feel way more confident about my financial situation. If you’re trying to fix or build your credit, I definitely recommend working with him.

I was very hesitant at 1st, to use a credit lawyer, but very happy I did. I was in a situation where I needed to figure out how to buy a home, renting was no longer feasible. Will was able to help repair and increase our credit but also teach me how things work so I can do better in the future!

I started out with the Phenix Group, who was recommended by a Highland Homes Mortgage Loan Officer, in October 2025. I trusted the process and followed the strategy set by Brian Quinn with the Phenix Group and fastforward just 4 short months later and I am now under contract with and building my Highland Home. I am still working with the Phenix Group so I can continue to improve my credit profile to not only get the best interest rate on my home prior to closing but to also sleep peacefully at night knowing that I have made an amazing investment for me and my future!

Will Smith with the Phenix group helped me get rid of old and lingering accounts on my credit report and my credit score has since increased almost 200 points. I could have never done this on my own and Will was always kind, helpful and efficient. I highly recommend Will and The Phenix Group.

This review is long overdue but it has definitely gained weight in regards to awesome work done overtime by Joe C. My wife and I were ready to purchase our first home in Texas. We reached out to our real estate agent who then connected us either Joe. Joe broke down everything for us in regards to his credit repair process. 3.5 hour phone call was worth it. With Joe’s non-stop help, we were able to close on our home in less than the 6 months he promised. Trust me when I say, “GO WITH JOE!!!” Listen to him and do what he advises. The results will speak for themselves. Ours are still speaking as I type this. You will not be disappointed with the Phenix Group, I highly recommend. Thanks again Joe!

What can I say? Working with Joe was the best decision I could have made for my financial future easily hands-down. And I’ll tell you why throughout the entire process Joe communicated with me thoroughly. I was fully aware of what was going on with the process and all I could say is this was the best experience I’ve had with somebody helping me propel my life forward. My credit score was 545. Maybe at best prior to work with Joe. I ended the program with the 780 excellent credit and if I do a bit more things, I could definitely get into the 800 club, and I say all of this to say none of this would be be possible without Joe.

Great experience with credit repair through Brian Quinn. The process was clear, professional, and effective, and I saw real improvements in my credit. Highly recommended for anyone serious about rebuilding their credit.

Working with Joe was a fantastic experience! He was straightforward and thorough throughout the entire process. If you listen and follow his instructions, you’ll see great results. I managed to increase my score by over 100 points. Highly recommend!

In recent years, whenever you hear the term “Credit Repair specialist“ you think the word “shyster”, but this was not the case with Brian. The first conversation, he explained in detail what he was going to do to determine whether he could be of service or not. He also told me that either way he would advise me on the steps to take to get to the next level and he did exactly what he said he would do. BRIAN QUINN is a man of his word. He does not waste your time or money! I would recommend him to anyone and this is my first step in doing so.
I wish the best to those who are trying to improve themselves starting with improving their credit.

(Translated by Google) Everything went very well, excellent service from beginning to end of the program 👏

(Original)
Todo salio muy bien excelente atención desde principio a fin del programa 👏

Will smith is amazing he helped me get into my house. I highly recommend using.

I highly recommend this company to fix your credit. They will take care of you. It’s worth every penny.

I was in the process of trying to purchase a home. My former mortgage company had placed some items on my credit I did not agree with. I was referred to Joe Camacho with the Phenix Group and was very skeptical. After speaking with Joe on the phone for over an hour I was much more comfortable and agreed to progress forward. Joe was never judgmental and was very easy to speak to. He was always very blunt and straight forward. I was always able to reach him if I had questions or to give or receive updates. Joe never asked me to produce large amounts of funds to clear up anything. He just asked that you expect the process to roughly take six months and to follow his plan. Joe was able to boost my credit scores quicker than expected and we did purchase our home. Even after our home purchase Joe has stayed diligent on managing my credit to keep good scores and eliminate items that are not...

I had an outstanding experience working with Joe Camacho! He went above and beyond to help me with my credit recovery and made the entire process smooth and stress-free. His professionalism, patience, and excellent customer service skills really stood out. He took the time to explain everything clearly, answered all my questions, and followed up to make sure I was satisfied. I’m truly grateful for his help and highly recommend him to anyone looking to improve their credit or get back on track financially!

Joe is my go to person, he is extremely knowledgeable with credit repair. I'm in my new home now with Joe's help, I don't think I could of done it so quickly without him! Will definitely send everyone I know that need credit help his way! Joe is professional & friendly, just loved working with him!

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! And as a bonus Joe is really funny and wonderful to talk to. When my husband and I were in doubt, Joe was very reassuring and able to help us focus on all the positive progress we had made. I will forever be grateful for Joe and his team!

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,...

Will Smith is the best in the business! He has taken care of my clients for years as well as my family and friends. I recommend him and will continue to recommend him to everyone!

I had the pleasure of working with Will Smith from the Phenix Group on my credit repair. Will made everything very easy and was accommodating to any questions or needs. He explained everything exceptionally well and did indeed get my credit in the right place. I am very thankful for the Phenix Group and especially Mr.Will Smith for helping me through this process. Highly Recommend any and everyone having credit issues. They will definitely service your needs.

I found The Phenix Group on google and they were local to Texas. I decided to give them a call and I was not disappointed. Will Smith diligently helped me clean up my credit, which propelled me into a new home. This is a legit company and provides legit results. If you need real credit repair, these are the people.