Your Sacrifice Deserves Credit—Let’s Rebuild It Together
Dispute Errors, Improve Scores,
Reclaim Financial Freedom
At Phoenix Credit Solutions, we specialize in serving true heroes—military members, first responders, and single parents.
As trusted credit repair experts, we're dedicated to helping you dispute errors, improve your credit score, and reclaim your financial freedom—legally, ethically, and with respect for the challenges you face.
You Take Care of Others — Let Us Help Take Care of You
Every day, you rise to serve, protect, and provide—whether in uniform or at home. But when financial challenges hit, even heroes need backup.
At Phoenix Credit Solutions, we understand the weight of responsibility on your shoulders.
That’s why we specialize in helping real-life heroes—first responders, military personnel, and single parents—repair and rebuild their credit with dignity, honesty, and legal protection.
You’ve given so much. Now it’s your turn to rise.
What is the TSR and How We Comply
The Telemarketing Sales Rule (TSR) is a federal regulation that governs how certain services, including credit repair, can be sold over the phone. It prohibits charging for credit repair services until all promised results are achieved and documented with a credit report.
At Phoenix Credit Solutions, we are not subject to the TSR because we do not enroll clients by phone. All sign-ups are completed securely through our online platform, ensuring full compliance with the law. This allows us to operate under the Credit Repair Organizations Act (CROA), where we bill only after services are performed each month, never in advance.
Billing Policy – Phoenix Credit Solutions
At Phoenix Credit Solutions, we believe in transparency and compliance. We never charge for credit repair services in advance. Instead, we operate on a post-performance billing model.
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You are only billed after we complete services for the month.
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Payments can be made securely via Zelle.
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No subscription or automatic billing — you are in control.
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You’ll receive a summary of services each month before any payment is due.
This policy keeps us fully compliant with the Credit Repair Organizations Act (CROA) and avoids triggering the Telemarketing Sales Rule (TSR).
Explore Our Services
Financial literacy is at the heart of our mission. Through the Credit Warrior Academy, we deliver workshops, webinars, and a growing library of resources designed to demystify credit, empower smarter decisions, and help you build generational wealth.
Whether you’re a real estate professional, a first-time homebuyer, or simply looking to take control of your finances, our Academy offers practical, actionable education for all.
Stay Informed with Our Secure Client Portal
Our secure, branded client portal is designed to keep you informed and empowered throughout your credit repair journey.
Available 24/7, the portal allows you to:
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Track your dispute progress in real-time
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Upload important documents safely and easily
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Monitor updates to your credit profile as they happen
With mobile access through our companion app, you’ll receive instant push notifications, messages, and status updates—wherever you are.
The portal is fully customized with our branding, giving you a professional, seamless experience. Most importantly, it enhances transparency, trust, and communication, so you always know exactly where you stand in the process.
Your path to better credit starts with visibility—and it starts here.
The Credit Warrior Podcast is your go-to source for real, practical guidance on all things credit. Hosted by Joe Ryan, Founder of Phoenix Credit Solutions, this podcast dives into the strategies, laws, and insider tips that can help you take control of your financial future.
Each episode will cover essential topics like understanding credit reports, navigating disputes, boosting credit scores, and protecting your rights under the FCRA, FDCPA, and CROA. We’ll also share pro tips, common credit myths, and interviews with industry professionals, along with actionable steps you can take right now to improve your credit.
Whether you're rebuilding your credit, helping others, or just want to be financially empowered—Credit Warrior is here to equip you for battle.
What are the Benefits of Working With Phoenix Credit Solutions?
At Phoenix Credit Solutions, we believe everyone deserves a second chance at financial success. Founded by Joe Ryan—a Navy veteran, firefighter, and financial advocate who rebuilt his own credit from the ground up—our mission is to empower individuals and families to achieve lasting credit health and financial stability.
Phoenix Credit Solutions specializes in ethical, transparent, and results-driven credit repair. We serve a diverse client base, from first responders and military families to single parents and young adults just starting their financial journey. Our team combines deep industry expertise with a personal touch, offering various services.
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Comprehensive Credit Repair: We analyze your credit reports, identify inaccuracies, and build personalized dispute strategies. Our process is thorough, transparent, and tailored to your unique situation.
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Credit Counseling & Education: Beyond dispute resolution, we offer one-on-one counseling, debt management advice, and budgeting strategies to help you build a strong financial foundation.
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Business Credit Services: For entrepreneurs and small businesses, we provide business credit analysis, dispute resolution, and credit-building programs to unlock new growth opportunities.
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Identity Theft Protection: We specialize in resolving identity theft cases, offering fraud alerts, credit freezes, and ongoing support—at no extra charge.
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Personalized, Ethical Approach: Every client receives a custom improvement plan and a dedicated account manager. We guarantee results: if you don’t see credit improvement within six months, you get your money back.
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Cutting-Edge Technology: Our secure client portal lets you monitor progress in real time, upload documents, and communicate directly with our team—anytime, anywhere.
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Community Focus: We proudly serve those who serve—military, first responders, and single parents—offering special discounts and support tailored to your needs.
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Transparent Pricing: No hidden fees, no overpromising—just honest, effective service backed by industry certifications and a 98% satisfaction rate.
Comprehensive Credit Repair
Our dedicated consultants provide expert support and assistance, ensuring you receive the care and attention you deserve. We focus on building strong relationships with our clients to promote trust and financial well-being.
Credit Counseling & Education
Our experienced team of credit repair experts delivers high-quality services to meet your credit goals. We are dedicated to ensuring the best possible outcomes for our clients through expertise and commitment.
Business Credit Services
We believe in a personalized approach to credit repair, tailoring our services to your unique needs and preferences. Our goal is to empower you to achieve financial independence with the support and assistance you need.
Meet Joe Ryan – Founder of Phoenix Credit Solutions
Joe Ryan knows what it means to serve—because he’s done it his entire life. At just 17, he joined the United States Navy and earned the distinguished title of Fleet Marine Force Corpsman, proudly serving alongside U.S. Marines and earning their highest respect as “Doc.” His commitment continued overseas, working in the Middle East as a medic and protective security agent for a private military contractor.
Back home, Joe assumed leadership roles, first as Commanding Officer of the Tyler Joint Force Battalion in Texas, and later commanding the Kentucky Division of the U.S. Navy’s youth program in Lexington. He continued his public service as a Deputy in Kenton County, Kentucky, and a Firefighter/EMT for the City of Florence Fire/EMS. Joe also served in a federal capacity, working in armed roles for both the U.S. Treasury Department and the Environmental Protection Agency.
Joe has spent a lifetime protecting and serving others—now, he's bringing that same dedication to fighting for you. At Phoenix Credit Solutions, he champions the everyday heroes too often overlooked by the system: veterans, first responders, single parents, and hardworking people hit by life’s unexpected challenges.
Joe knows firsthand how financial hardship can strike during and after military or public service—and how quickly it can snowball. That’s why he built this company on the principle of doing things the right way: legally, ethically, and effectively. No shortcuts. No gimmicks. Just real solutions backed by the Fair Credit Reporting Act (FCRA) and other federal protections that most people aren’t even aware of.
He’s completed extensive certifications in credit law, debt collection, and credit reporting to ensure he brings not just experience—but real expertise—to every case. More than that, Joe is someone who will take the time to sit down with you, explain the process, answer your questions, and simply listen when you need someone to understand what you're going through.
He’s not just your credit repair specialist—he’s your advocate. Your ally. And your fiercest defender in this fight.
"These photos aren’t about ego or saying “Hey, look at me.” They’re here to show you who I am—someone who’s spent a lifetime in service.
I’ve worn many uniforms, stood on many front lines, and now I’m standing on one more: the fight for your financial freedom.
If I’m asking for your trust, you deserve to know the man behind the mission. I’ve served, protected, and fought for this country—and now, I’m ready to do the same for you and your credit." - Joe Ryan
“My experience with Phoenix Credit Solutions has been truly transformative. Joe provided me with expert credit advice that helped me secure my financial future.”
Rex Tibbens
“Joe at Phoenix Credit Solutions is exceptional. His personalized approach to credit repair has made a significant impact on my financial well-being.”
Alexis Chen
I strongly recommend Phoenix Credit Solutions to anyone seeking professional credit support. Joe played a key role in helping me reach my financial goals.
Maria Soto-Rodriguez
