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Your Credit Medic - "Will L. Smith"

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United States
Austin, TX
Your Credit Medic - "Will L. Smith"

My firm helps credit challenged people through an extensive legal auditing process and rebuilding pr

08/07/2026

Not everything moves this fast when it comes to credit repair; but sometimes it does! My client Jesse in Austin had a charge off of over $7,000 with this creditor removed in 28 days.

In 4 weeks, Jesse saw a substantial increase in his scores, a significant change in his overall debt to income ratio, and is that much closer to his goal of becoming a worthy credit consumer. In a typical dispute process, 28 days will often get you...nothing. That's the difference between your generic subscription dispute process and our attorney backed auditing process.

What could the next 28 days get for you with your credit? Only one way to find out, and that's by contacting me.
469.200.3701
[email protected]

05/08/2026

Ever deal with identity theft? How about over 6 figures in student loans that aren't yours and keeping you from qualifying for nearly every loan applied for?

My client Coby did, and he tried so many things. he called the bureaus, he called the US Department of Education...and he got nowhere. Something as wrong and unfair as this, and yet he could not find any one to help him.

Then Coby was referred to Your Credit Medic - "Will L. Smith". Working with THE best team in credit restoration with The Phenix Group led to Coby having these loans removed and opened the door to every personal and business loan he was trying to obtain.

How many things have you tried to improve your credit? How many clients do you have miss out on achieving home ownership because they cannot improve their credit?

How quickly can you call me today?
469.200.3071
[email protected]

01/14/2026

Even with a credit score that might qualify for a mortgage, if you have any recent mortgage lates that can be an automatic denial. So if you are trying to sell your current home and buy a new home, buy a second property, seek a HELOC or cash out refi this could immediately disqualify you from achieving that goal.

Being the that we are at The Phenix Group, we know how serious that can be. So, when we get a letter of deletion like that for one of our clients, it's a big deal. We get big things done, we get little things done. It's why my from coast to coast trust their potential buyers with Your Credit Medic - "Will L. Smith" when it comes to credit challenges.

Who do you trust when it comes to your potential buyers that need assistance with credit issues? Who is on your team to be that credit resource? If you are missing that tool, contact me today.
469.200.3071
[email protected]

12/05/2025

Results. That is what matters. Having a process to achieve them is the difference. Performing the same generic dispute over and over provides you the same results...which typically means you achieve no results.
It's when you have an escalated auditing process based on consumer credit law working in conjunction with a law firm, that's when you obtain the results you and your clients are looking for.
If you are looking for results, for yourself or your potential buyers, contact me today.
469.200.3071
wills@thephenixgroup
Your Credit Medic - "Will L. Smith" The Phenix Group

11/19/2025

Just had a potential buyer referred to me earlier this week. She had gone through bankruptcy and now the public record and the accounts rated in bankruptcy were keeping her from being approved for a loan. As we began to talk, she asked, "you can't remove a bankruptcy from a report can you?" My reply, "yes ma'am, we most certainly can."

The Phenix Group doesn't perform your generic dispute process that rarely works, it's an outdated process. We are that have a service unmatched and the results to prove it. Contact me today and we can discuss how we can help you or your potential buyers achieve goals they didn't think were possible.
469.200.3071
wills@thephenixgroup.

Your Credit Medic - "Will L. Smith"

10/30/2025

Ever have a late pay on a previous mortgage? If you have, you know the kind of damage it does to your score.

If you are a realtor or a lender that has had a potential buyer with previous mortgage lates, you know the challenges that provides in getting approved for their current loan.

So what if I told you there was an option to where those lates are able to be removed? With most typical generic dispute companies there isn't. However, The Phenix Group isn't your typical generic dispute company. Your Credit Medic - "Will L. Smith" works with a team that specializes in detailed, customized audits that demands creditors validate documentation to the account. We work in conjunction with attorneys to enforce they obey the law in responding or removing said information. It's why we can do what those dispute companies do...but they can't do what we do.
Contact me today to find out me and see if we can help you.
469.200.3071
[email protected]

10/16/2025

One of my amazing preferred partners, David Rodriguez with InterLinc Mortgage referred Michael to me with scores in the mid to upper 500's, and carrying over $43,000 in derogatory debt. Just over 6 months later, I get this email from his wife Lizeth. When you are able to restore your credit, you just get excited about it and have to share it with someone!

Your Credit Medic - "Will L. Smith" works with your potential buyers that have credit issues that are being denied due to credit problems. Through a detailed individualized program, credit education and working in conjunction with a law firm we can achieve results that meet each potential buyers needs.

Looking for that resource on your team? Or, if you are looking to improve your own credit, The Phenix Group is here to make it happen. Give me a shout and we can talk about what value we can bring to you.
469.200.3071
[email protected]

08/26/2025

My client Obed in Pflugerville sent this screenshot from his Credit Wise app. He now has a 754 FICO score with Trans Union, the others are in the same position. We were able to accomplish this in 6 months, starting at a 590 score. Going from a 590 to a 754 changes a person's life-credit power can become financial power if used appropriately.

The team here at The Phenix Group is able to transform our client's credit and financial power because we don't just spit out generic disputes. Working in conjunction with a law firm that provides the necessary resources in addition to a research and processing team unparalleled in our industry is how we get these kinds of results.

If you are looking for these types of results, whether for yourself or your clients, you need to reach out to Your Credit Medic - "Will L. Smith" today.
469.200.3071
[email protected]

08/19/2025

4 weeks. 28 days. 672 hours.

When this client reached out to us, he was in a desperate situation. He was about to lose out on a massive investment that would return a huge profit due to a collection showing up on his report.

He had reached out to them to see if he could pay to remove it, and the collection company refused. That's when he turned to Your Credit Medic - "Will L. Smith" and the team at The Phenix Group. In less than 4 weeks we had that collection removed and James was able to purchase the property and add a new stream of income. It's not just about having better credit, it truly is .

Do you have big goals? Big dreams? Want to turn them into reality? Call me asap to see if we can make it happen.
469.200.3071
[email protected]

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07/21/2025

I'm always thankful to help the clients I work with who are ready to change their current credit situation. You don't have to have "bad" credit to need the help of Your Credit Medic - "Will L. Smith". For example, this client had fair credit, but they were tired of paying higher interest rates when approved for loans. They had goals of investing in real estate and creating multiple streams of income.

This is where The Phenix Group came into play and provided the results they were looking for. Yet another example of why what we do is . Whatever you are looking to achieve with your credit, I am here to make that happen.
469.200.3071
[email protected]

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