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Phoenix Prodigy Consulting Firm LLC specializes in financial consulting, management consulting, and mortgage approval assistance. We offer credit education, mentorship, and business consulting services. Committed to your journey to financial independence to relinquish the confidence into yourself, dependents and lifestyle.


The bad credit situation needs to be resolved on time to regain a good credit score, and it could be achieved with proper rules.

1. We will Inspect and look for the inconsistency of the credit report. We will make sure that there are no mistakes and wrong information in the reporter.

2. In case we find some inaccuracies, we will report them immediately to the listed creditor and have them make corrections as soon as possible.


We will also analyze your positive credit and explain how to optimize your report using techniques for paying bills and opening or closing credit.


  • How can I access a credit advisor?
    We also offer online coaching. Starting your coaching session online allows you to enter your personal financial information, which speeds up the process and helps us ensure that your information is accurate.
  • Why should I care about my credit reports accuracy?
    Your credit report defines if you can acquire a home loan, vehicle financing, credit card rates and even affordable car insurance! The misconception among most Americans is that we have just the one credit report. Each of the three main credit bureaus (TransUnion, Equifax, and Experian) has their own credit report to show. Over 75 percent of credit reports contain errors, and it is extremely important that you review all three credit reports to make sure the information is up to date and accurate! A lender may pull just one of your reports or all three when considering a loan, so it is paramount that you keep a close eye on ALL 3 reports.
  • What affects my credit score and why isn’t it rising?
    There are many things that can affect your credit score, but for now let’s go over the main negative and positive factors. Negative- Collections, Charge- offs, Repos, Loans, Delinquent accounts, closed account, Medical Bills and Late Payments. Positive- Long and Positive Credit History, Low Credit Utilization, Positive Trade Lines, On-Time Payments and Paying More Than the Monthly Minimum on Payments. Each person’s credit report is different and each item on the report holds a different weight. If your score isn’t rising or is declining slowly; the main issue causing this is simply that the weight of the negatives is outweighing the positives. If you have been making your payments on time, but your credit utilization rate is above 30% then you may see a slow increase. If you are to remove any negative items but don’t have much positive credit recorded underneath, then you may experience a small decline in your score or a very small increase. On the other hand, if you remove many negative items and underneath, you DO have positive credit, your score will rise 90% of the time
  • Will credit coaching stop legal action and creditor phone calls?
    Credit counseling is a service offered to those struggling with credit and debt. Our expert coaches will go over your personal finances and offer expert advice that is tailored to your unique situation. We will help you create a spending plan to cover all of your debt payments and living expenses, provide personal finance tips and help negotiate better payment plans with your creditors. We will set up a plan to stop the collection calls.
  • What does a Credit Coach do during my session?
    Our coaching sessions are entirely confidential; a Credit Coach will go over your personal finances and offer expert advice that is tailored to your unique situation. We will help you create a spending plan to cover all of your payments to your creditors, as well as your regular living expenses.
  • If I need legal advice, can a Credit Coach help?
    No. We do not offer legal advice of any kind. We recommend seeing a qualified attorney for help with legal issues.
  • What do you charge for coaching services?
    Our coaching is provided on many packages please contact us and choose yours. In addition to free credit help and advice.
  • Why will credit card companies and creditors reduce payments through you instead of working directly with me?
    The creditors don’t have the time or manpower to negotiate with every one of their customers individually. They work with credit counseling agencies like us to create a set of standard concessions that we may offer to clients when appropriate. The creditors also understand that we provide counseling and education, which makes our clients more likely to succeed in repaying their debts.
  • Is my coaching confidential?
    All of our financial coaching is completely confidential. Our records are kept securely to protect our clients’ privacy and we do not share information about our clients with anyone.

Our Services

✓ Credit Education

Building Credit
Starting Business 
Restructuring Business

Registered Agent

What are some common errors on credit reports?

 The A LIST- Start here 
•    Names- Is your name listed correctly or are multiple names present?
•    Is your address accurate and up to date?
•    Are items listed properly or missing?
•    Manner of Payment- This one is a little difficult to start looking for at first, but we have tips and private social media groups guide you through it – MOP Mistakes
•    Do you not recognize an account/ is the account even yours?

What We Can Offer You


We’ll guide your financial decisions during and after the repair process

Write To Agencies

We will then write to each of the 3 credit agencies (Transunion, Experian and Equifax) as well as the actual creditors directly. The letters will include disputes, appeals, validation requests and goodwill interventions intended to improve your credit score.


As we offer an unlimited service, we get our clients to their goals of improving their credit score a lot faster than our competitors.

Unlimited Items

Keep in mind we will be doing this for all of the inaccurate items on your reports right from the start. Also, you can log into our client portal and check your progress report, which will show you when letters have been sent out and when to expect responses from the credit agencies/creditors/furnishers in your mailbox.

Review Your Credit File

We’ll analyze your credit report. We’ll be looking for questionable items like collections, charge-offs, tax liens, judgments and late payments that may be hurting your score.

Repeat The Process

We will analyze the inaccurate items not yet removed and generate new letters addressing them again. We will continue to fight for you until you are happy with the number of corrections on your credit report.



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