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.
Our Commitment
Empowering Financial Well-being
At Phoenix Credit Solutions, we are committed to empowering individuals to achieve financial well-being through ethical and legal credit repair services. Our experienced team provides compassionate and reliable guidance to enhance your financial health and promote financial independence.
Explore Our Services
The Credit Warrior Academy is an educational platform built to empower individuals with the knowledge and tools needed to master credit repair and financial literacy.
Designed by the team at Phoenix Credit Solutions, this academy offers step-by-step guidance for anyone ready to take control of their credit and build lasting financial strength.
Inside the academy, you'll find comprehensive courses, video tutorials, and downloadable resources covering key topics like how to read a credit report, the dispute process, credit scoring models, and your legal rights under credit laws like the FCRA, FDCPA, and CROA.
Whether you're just getting started or looking to sharpen your skills, the Credit Warrior Academy provides the tips, strategies, and confidence you need to improve your credit and secure your financial future—one lesson at a time.
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.
Benefits of Choosing Us
Why Phoenix Credit Solutions
At Phoenix Credit Solutions, we prioritize client well-being and offer customized credit repair plans to meet individual needs. Our team ensures your financial security and success, providing reliable and compassionate support.
Expert Credit Guidance
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.
Professional Team
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.
Personalized Approach
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
Client Success Stories
Real Results
“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
