"I was recommended to Joe Camacho with the Phenix Group by a trusted friend of mine who is in the commercial lending business. He told me to call Joe and definitely not the credit repair businesses that advertise all the time. I did and felt very comfortable from the very beginning that Joe knew what he was doing. At the initial conversation with Joe was very open and transparent. I was told what I would need to do, how much he would charge, how long the process would probably take and what to reasonably expect the outcome to be. I found it very reasonable priced, less than I expected, and simple. The process happened just like Joe laid it out and I did as I was told. I did not have to converse or correspond with any of the creditors, and there were a number, even a couple of judgments against me. At the end of the process my score was raised over 150 points to better than 800. I could not be happier with the outcome and could not be happier working with someone like Joe. I fully recommend him and would tell you if you call someone else you would make a huge mistake."