Your New Year’s Resolution

Keys to achieving your New Year’s Resolution

1. Make Only One Resolution – Research shows, your chances of success are greater when you channel your energy into changing just one aspect of your life. What better part of your life is there to improve than your credit?  Better credit brings opportunity to your life. The opportunity to buy a new home, a new car, acquiring credit cards with better interest rates, better insurance premiums, a new job; better credit in 2016 will help you convert these opportunities into reality.

2. Avoid the same old approach to the same old resolution – Have you “resolved” to improve your credit on your own in the past, but didn’t reach your goal? Taking the same approach to a past resolution can set you up for frustration and disappointment.  This year, approach your resolution in a new way; enlist the help of the credit restoration experts at Phoenix Credit Consultants.
3. Set a specific goal  – Phoenix Credit Consultants is unique in their approach to credit restoration in that each and every one of our clients is given a credit repair “Goal.” Most often this takes the form of a specific credit score needed to obtain a new home mortgage. Vague plans (like, “I’m going to make my credit better!”) usually don’t work. Let Phoenix Credit Consultants help you set your credit goal and guide you towards that goal as quickly as possible.
4. Make it personal – When you enlist Phoenix’s help, you will be assigned your own personal credit restoration expert. You will know their name and they will know you. You will be able to pick up the phone and call them whenever you have a question about your credit. Our service is personal and our experts will hold you accountable. Accountability is a crucial aspect of succeeding in restoring your credit.
 
Ready to get started on the road to credit restoration?  Forget about that fitness club membership. Do you have any idea how crowded those places are going to be for the next month or two? Instead, call Phoenix. We are resolved to help you achieve your financial goals, not only for 2016 but for life.

Trivia Night To Benefit Carl Roy and Family

It doesn’t get much better than a night of fun, friends, and trivia in South City, St. Louis! There’s a great event coming up and we’re so excited to be a part of it.

Join us on Saturday, February 13th, 2016 for trivia and a silent auction to benefit Carl Roy and his wonderful family. Carl, a St. Louis City firefighter and veteran, is fighting central nervous system vasculitis and we’re lining up to fight with him.

Doors open at 6pm CST and trivia starts promptly at 7pm CST. There will be a cash bar.

Location:

Four Seas Banquet Hall (1910 Serbian Drive, St. Louis, MO 63104)

You can reserve a table for 8 people for $250.

If you can’t attend, but would still like to donate, please click here for further information:

https://www.eventbrite.com/e/trivia-night-to-benefit-carl-roy-family-tickets-20230108800?aff=es2

 

We’re hiring!!

Can you sell? Are you interested in learning how to sell? Do you want to help people reach their full financial potential? Do you want to be a part of an awesome and growing company?

You’ve come to the right place!

Our corporate culture is young and progressive. We allow our staff to  create their own opportunities and we encourage self-growth. We feel strongly about encouraging our staff to set goals and come up with creative sales opportunities.

We are currently hiring for multiple positions. We have sales and processing positions open in multiple states. Please send your resume to jobs@123pcc.com. We prefer Word or PDF.

We would LOVE to hear from you and we want to grow our PCC family.

 

 

 

 

 

 

Giving Tuesday Discount!

We made it through Black Friday and Cyber Monday and now it’s time to give back!! For ONE DAY ONLY, PCC will be offering a 15% discount on all services. Sign up must be completed on December 1st, 2015.

 

Veteran’s Discount

veterans-day

 

In an effort to acknowledge and reward the sacrifices made by our military veterans and their families, Phoenix Credit Consultants has humbly offered a “Veteran’s Discount” to our new customers who are presently serving in our armed forces or who have honorably completed such service. This offer remains available to qualifying customers from now through the end of 2015. During this time period, our initial work fee will be discounted by Fifty Dollars for qualifying customers, one Dollar given back to each of those individuals for each star on the flag that they proudly swore an oath to defend.

 

As a special bonus to the men and women who have proudly served our country, those qualifying individuals* who enlist our credit restoration services on Veterans Day itself (Wednesday, November 11, 2015) will have their initial work fee waived completely. In other words, veterans who sign up with us on Veterans Day itself will be offered a total discount of $149.00. This bonus offer is available only for those individuals who complete the process of signing up for our services on Veterans Day itself, those who sign up afterward will still be eligible for our regular Fifty Dollar Veterans Discount.

 

*Program eligibility is limited to active duty regular forces, reserve forces, and National Guard forces of any branch of the United States Military as well as to those individuals honorably discharged from any such branch.

U.S. Active Military & Veterans Credit Program

Phoenix Credit Consultants proudly presents this exclusive offer to United States Military Veterans:
As the days begin to grow shorter and we approach Veterans Day, Phoenix Credit Consultants and our affiliate partners are reminded of our indebtedness to the men and women who have sacrificed so much for our freedom.
In an effort to acknowledge and reward those sacrifices, from the 1st of October through the end of the year, we humbly offer a “Veteran’s Discount” to our new customers who are presently serving in our armed forces or who have honorably completed such service.* During this period, our initial work fee will be discounted by $50 for qualifying customers.  In other words, a dollar for each star on the flag that they proudly swore under oath to defend.
Our credit restoration experts are well-versed in helping people recover from the financial hardships that are frequently presented by deployments, especially repeated deployments, like those that many members of our military families have seen during the beginning of the Twenty First Century.  In addition to the credit repair tools used to assist our civilian customers, we utilize tools like the Soldiers’ and Sailors’ Relief Act, in helping our military customers on the path toward their credit stability and financial goals.
We look forward to the opportunity to give back to the heroes who have given so much for our country!
*Program eligibility is limited to active duty regular forces, reserve forces and National Guard forces of any branch of the United States Military as well as to those individuals honorably discharged from any such branch.

When Is A Credit Score Not a Credit Score?

When is a credit score not a credit score?

Many times our clients are anxious to tell us about their credit scores – which seem to be available everywhere. We encourage consumers to obtain their credit reports on a regular basis, if for no other reason to make sure everything on it is accurate (that is your legal right, by the way)and to make sure nobody else has established credit under your name and social security number.

There are many places to get your credit report for a low fee or no cost at all. Many times the reports are free, but the consumer is offered a credit score for a fee.

Here is a key distinction: ANYONE can offer a “score,” but do not rely on it.

The scores offered to the public and lenders can be very different. For example, FICO has copyrighted its scoring range of 300 to 850. There are plenty of folks who will sell you a score, but they may not be FICO. And even if it is, the actual score number may different because there are distinct “scorecards” in the FICO model depending on the reason the credit report is being pulled and maybe who is pulling it.

Does this mean you should not care about your report or score? Absolutely not! But focus on what is IN the actual report, not the score.

And take the time to educate yourself on what the consumer credit reporting & scoring system means to you – or find a reputable professional to explain it to you.

We’re ready to help you through this process! Call us, email us, or set up a time to meet with us.

5 Reasons Why You Should Understand How Your Credit Works

Ignorance is not bliss, it’s actually very expensive.

Imagine a big warehouse full of all kinds of information about you. Now imagine three of them. (Just so you know, these “warehouses” are data storage facilities – and are updated constantly.)

Now whenever you wish to make a major purchase, strangers run your information through a mysterious mathematical equation. Based on the results, more strangers make decisions that can negatively affect your family.

This happens every day to you and folks everywhere. To not understand how this works – and what to do about it – invites trouble.

Here are five reasons you should understand and take action:

Reason #1: Your access to credit could be limited and very expensive.

Reason #2: You could likely pay higher insurance premiums than your neighbors (because your insurance company has convinced regulators that people with lower credit scores file more claims.)

Reason #3: There are some jobs you won’t be able to get with bad credit.

Reason #4: Landlords, utilities and cell phone companies will require substantial cash deposits because they think you are a higher risk not to pay.

Reason #5: Most importantly, your children and grandchildren (who “never listen”) definitely WATCH what you do! Why not show them how to live a better quality of life by improving your’s? That is your true legacy to them

The good news is that you can be in control – and improve your situation. Get started today. Call us, email us, or make an appointment to meet with us. We’re ready to help. 

Default Judgments

Showing up is half the battle!

Many of the clients we help at Phoenix Credit Consultants have credit problems because of something the legal system refers to as a “default judgment.” In simplest terms, a default judgment is what happens when someone who has been sued in court, for example by a “creditor” does not show up for a scheduled court appearance.  For that creditor, winning by default is like winning by “forfeit” in a sports competition.

When this occurs, the court will frequently give the creditor “whatever they want” and award attorneys’ fees, court costs and whatever amount of interest the creditor claims they are entitled to. If the person who got sued isn’t present, the court has no way of knowing their side of the story, the court can only “assume” that the creditor is entitled to recover everything that they claim they are entitled to recover. The attorneys fees, court costs and interest may be something that the creditor is able to lawfully recover, but sometimes there is no legal “right” to such recovery.

Why don’t people who are sued by creditors show up to court?

  • Sometimes, people are not even aware that they have had a lawsuit filed against them. Typically, the court will require that the creditor show the court that they have provided adequate notice of the filing of a lawsuit as well as the date that said suit is set for hearing, prior to the entry of a judgment by default.  This notice is provided through what the law calls “service of process.”
  • Even if a creditor makes a good faith effort to comply with the court’s rules for service of process, it is possible that the person who was allegedly served with notice never gets such notice.
  • A lawsuit and summons to court might be left with a family member who neglects to forward the lawsuit on to that person.
  • Notice can sometimes be lawfully and properly provided by mail that, for various reasons, never makes it to the person who is being called to court.
  • Court is held during most people’s “working hours” and it is sometimes difficult, if not impossible, for them to take the necessary time off from work in order to appear in court as scheduled. This is especially true if the attorney representing the creditor who is suing them asks the court that the case be continued repeatedly.

What do I do if I find out that a Default Judgment has been entered against me?

You, or an attorney, may be able to seek relief from the default judgment. It is usually best that you seek such relief as promptly after the entry of  the judgment as possible. It is sometimes necessary that you provide the court with a reasonable excuse, or “good cause” for your failure to appear in court or otherwise respond to the lawsuit.

You, or an attorney, may request that the court “vacate” the default judgment against you and provide you with another opportunity to respond to the lawsuit and/or show up in court at a new court setting.

You may be able to negotiate a settlement of the judgment that is more favorable to you than the default judgment that has been entered, either in the amount of the judgment or in the terms under which the judgment is to be paid.

What can Phoenix Credit Consultants do to help me if I know or if I am concerned that a default judgment has been entered against me?

Phoenix Credit Consultants can help you to determine whether or not a default judgment has been entered against you in a Court of Law. A default judgment will frequently show up on your credit report. We can help you with the process of obtaining a copy of your credit report, and further can help you with the process of deciphering the information contained in that report.

We can provide you with important guidance as to how to address default judgments, along with other negative matters that may appear on your report.

Give us a call today!!

877- 235-6150 (Toll Free)
314-429-2040 (local)
Contact us on the web at  www.123pcc.com
Facebook – www.facebook.com/PhoenixCreditConsultants