The Phenix Group Reviews 

Joe Camacho and his team completely exceeded my expectations. I was leery at first due to having bad experiences other places with other firms; but Joe was diligent, organized, had clear communication and above all, he did exactly what he said he was going to do. I have already recommended The Phenix group to many associates as I am still in shock in how good of a service I was provided. 10/10.

Joe was absolutely awesome at what he does. His knowledge in this field was really eye opening as I truly thought I knew everything about trying to get my credit on point. The lesson I learned: Don't think A.I. will come to your rescue when trying to fix it; get help from this guy, the expert.

Thank You, Joe Camacho! 🏡❤️
We want to take a moment to give a HUGE thank you to Joe Camacho for helping us accomplish one of the biggest goals of our lives — becoming homeowners! 🏡
When we started this process, our credit score wasn’t where it needed to be, but Joe stepped up and helped us every step of the way. We followed his advice, worked hard, and stayed committed. It took about 7 months, but all that hard work paid off!

We started the process in February, and by December, we were officially homeowners! 🙏❤️

And it didn’t stop there! Today, we’re blessed to also own a RZR, a trailer, and a truck. 🙌

We are so grateful for Joe’s knowledge, patience, and dedication. He believed in us and helped us believe that this was possible.

Thank you, Joe, for helping us turn our goals into reality! We will forever be grateful for everything you did for our family. 🏡❤️🙏

Here’s to hard work, trusting the process, and making dreams come true! 🎉

Joe truly changed my life. He helped me fix my credit, and because of him I was able to buy my home. I’m very grateful for his help and highly recommend him.

Could not be happier with my experience working with these guys. I was a victim of identity theft and Will Smith was an absolute warrior from the first day. Amazing communication with frequent updates throughout the entire process. Diligent and consistent progress, I never once had to wonder where things were. Everything has been 100% removed and I truly couldn’t be happier with every aspect of service I received.

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 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!

If you’re in need of a credit repair, whether minor or major, go with Joe! He knows his job and does it exceptionally well. My wife and I were ready to purchase our first home in Texas and needed a major credit overhaul. We were connected with Joe who in turn laid out a blueprint for us on what to expect and we need to do to achieve our goal. Joe told us 6 months… we did it in about 4 and closed on our home shortly after. Trust me when I say, “Trust the process!” Listen to Joe, take notes and follow through! He will answer any questions you have. The results will speak for themselves. I highly recommend Joe for your credit repair!

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.

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. Talk to Joe and trust the process!

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

Joe is all the above, intelligent, professional, nice as ever & the bomb.com!! Loved working with Joe, he means business. He don't mess around and I can tell he enjoys what he does. He's not a boring credit repair guy, he has an awesome personality! I was able to get in my new home quickly with no hiccups! Definitely #1 in my book!! Closed on my home June 2025!!

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 was such a big help on fixing my credit! And much more now we’re only weeks away from owning our 1st home!! I would recommend him 10/10! Thanks Joe

Mr. Camacho was a straight forward truth teller. I was ultimately in shock of how the plans we discussed sounds. “To good to be true” boy was I wrong. Mr. Camacho is everything and more for the job and deeds he does. I will always recommend him and if I ever hear of a situation of someone who was in my shoes. My plan of action is to point them to my guy Mr. Joe Camacho!!

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 communication is TOP TIER , he never makes you wait for a response and he is always there to answer any questions or concerns.

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 🙏🏿

I will be honest, 100% a skeptic when my husband set up a phone meeting with Joe to talk about our cedit and debt situation. I thought this guy is just going to take our money and not be able to really do anything to help. After a few months, still was a skeptic but slowly but after a little over 6 months I was so thankful that I took the leap of faith to let Joe and his team help. I am very thankful to Joe for his help regarding my debt and credit cards, my credit. My credit score was not great, like really not great, and after working with Joe he brought my credit score up over 115 points to 687+, and using his tools and tips my credit score is now a solid 760, and he was able to get so many things deleted off my credit. Including old credit cards from when I was in college and got in way over my head. He had so many derogatory remorks removed and 98+ deletion of old items. I even made a mistake or two during the whole process and Joe told it to me straight, and never once sugar coated anything. I am so thankful for Joe, me and my husband were able get out debt loan to consolidate all our debt to pay it off quicker and even bought my husband his dream truck.

Joe Camacho has been instrumental in my life in so many ways I never realized he would/could. He went to bat for me from day one and has assisted with getting me to an exceptional position regarding my credit and credit score. His expertise and unbridled honesty, combined with his tireless work ethic has pushed me to be better and has given me the tools needed to continue to do so for myself. He is someone that I know I can call on to get an educated/expert opinion, whether it’s what I wanted to hear or not. I’ve received far more than an improved credit score thanks to Joe. I was given a (much needed) education, a mentor, a friend, and a slap in the face with reality when I need it. It’s not his job to be all of those things but he is a diamond in the rough and he takes great pride in his work and is one of the few in his profession that want nothing more than to help people. Thanks so much Joe!