Score ranges from 350-850 and is intended as a predictor of whether or not you will be 90 days late on a loan obligation. Typically calculated as:

1. 35% - Payment History
2. 30% - Debt Ratio
3. 15% - Length of Credit History
4. 10% - Types of Credit
5. 10% - Number of Credit Inquiries
To maximize increases to your credit scores, we typically recommend adding trade lines to your credit files to improve your debt use ratio, #2 as listed above. For more information regarding trade lines, Click Here

Service Features

• No enrollment or initiation fees - All fees are for service.
• Toll Free support - We include toll-free support as well as automated email updates at no additional cost to you.
• Pay as you go - Service are billed after having been performed. No Advance charges.
• Surety Bonded Service - We are Surety Bonded for your protection.
• State Registered Service - We are registered with the Secretary of State of Texas to perform the services listed herein.

Service Includes

• Unlimited Disputes - No matter how many items we have to dispute, you will only be charged our low monthly fee. Dispute is only one of seven score improving actions.
• Security locking - Against unauthorized information release and promotional inquiries.
• Goodwill interventions - Recommended for mild late-pay accounts, this intervention leverages your fiscal relationship with your creditor in an effort to positively impact the record and reporting of your credit.
• Debt validation - Recommended for certain charged-off and collection accounts. This intervention affirms your Federal Consumer Protection Rights by demanding a complete accounting of the listing or its removal.
• Cancel anytime -We charge for our services one month at a time, only after work on your case has been completed. While we recommend retaining the services of our firm for at least 6 months, you are free to cancel the service at any time without penalty or further obligation.


Office Hours

Primary Location


8:00 am-8:00 pm


8:00 am-8:00 pm


8:00 am-8:00 pm


8:00 am-8:00 pm


8:00 am-8:00 pm


9:00 am-6:00 pm



  • "Ashton at Phoenix Group was a huge help to our family. We were working to buy our first house but did not have the best credit scores. He worked closely with us to have our scores ready to qualify for a home loan within 6 months.We are forever grateful to Ashton & Phoenix Group. They provided great service at a very reasonable price. Thanks Ashton!!!"
    The Vandivers