Giving this 5 stars for the honest answer I received. I was referred by a friend to contact Wayne to see what can be done regarding my recent charge off. I had no expectations and wanted to tell me story and see what can be done. After telling him my situation, he was very honest and open and said since my charge off is so recent that there was nothing he can do to help. He even gave me some tips and how to deal with the creditor. I give props for honest and helpful people. He could of done the whole "sure send me your docs, it will only be XXX dollars etc" and take my money. Instead he told me the truth. I respect that. If I ever do need help in the future I will definitely come here. Thank you again Wayne! read more

I was referred to Wayne at Second Chance to help with some credit issues I was having. After a few months my credit score increased exponentially. If I ever have any questions or need advice, Wayne is the man to call. He offered advice and his help to aid a friend in need free of charge. I would recommend his services and the company to anyone looking to improve their credit score. read more

I've used their service twice in the last 5 years to improve my credit from horrific to a current 750. They were honest from day one and delivered what they promised. It does however take a little effort on your part to stay on top of your reports as you get them and send them back. Anybody on here who gave them a bad review, clearly was not fulfilling their end of the deal and expected their credit to magically just go up without lifting a finger. If you follow what they tell you, your credit will improve undoubtedly. I would highly recommend to all my friends and family. read more

Steve and Wayne did a an absolute phenomenal job on cleaning up my credit. They were able to get derogatory marks off and my credit has Sky rocketed. Ive been able to obtain multiple major credit lines with no issue along with finance a car! Highly recommended! read more

I was recently having a hard time getting a loan for a home. I called to get some help to a better credit score. I spoke with Wayne and he was able to help improve my credit score in an efficient time frame. He was super on top of it. I would recommend this company to all my friends and even strangers. read more

I have to say that I've been with Second Chance Financial now for 3 months and I have nothing but positive things to say about them. From the beginning Karen Molina has been so supportive, even before I decided to go with them she gave me a bunch of useful tips. She's been so friendly & quick to help. I actually will text her & I get a response almost instantly!!! Credit repair is not an overnight process but the staff here really truly care & they are there when you need them. I've already seen a couple things fall off my account which is so exciting. These people are genuine & up front...they are honest and have always been with me. They never promised me the world but they are doing everything they can to get my credit score to a better place. This is one of the best decisions I have made for myself and my family & I'm incredibly grateful for what they're doing of me. I've recommended them to everyone I know. I am very comfortable with this company!!! read more

I was referred to Wayne by a Realtor friend and all i can say is WOW! Second Chance Financial has over exceeded mine and my boyfriends expectations. Wayne was efficient and has always gotten back to us if we had a question. Our credit is fixed and we are extremely happy! We highly recommend Wayne! Thank you Wayne! read more

My divorce messed up my great credit, second chance financial helped me navigate these waters I had never had to deal with before Wayne put me on a path to repairing my mess, I followed his direction and now I'm buying a house for myself and my boys. COULDN'T BE HAPPIER.!! David read more

I want to thank Second Chance Financial in particular Karen Molina and Wayne Thomas who were able to get rid of derogatory reports. They were always available when I had questions and kept me up to date as to their efforts and accomplishments. Thank You Karen and Wayne for cleaning up my credit! Gratefully Yours, Brad S. read more

I was told about SCF 11 years ago by a friend and my credit report was the worst. It was really hard to believe what she was saying about Second Chance Financial, but I had nothing left to lose so I tried it. Within a year my score went from 530 to 750. They got everyting removed that they said they would. I told another friend about this and they said that the negetives would show up again. THEY NEVER DID SHOW UP AND ITS BEEN OVER 10 YEARS. I've told several friends about SCF and they are soooo happy with SCF. When your score is so bad you don't know what to do, try SCF you won't be disapointed. You will be telling all your friends that need help too. I promise you. When your credit is in the crapper you have nothing to lose. But you have everything to gain, a great score. This is the honest to goodness truth. Dorothy Walters read more

I was referred to second chance financial a few years back. I hired them to help clean up my credit. They tell you exactly what they guarantee to get off. You only pay them for what they guarantee but they work on everything. They got things off my credit that they didn't guarantee & stuff they did guarantee. I've been working with Wayne & he is great! Always returns my calls. My contract is now up & there is still one thing on my credit that they guaranteed to get off. They are still working on it, no questions asked! They will continue to work on it til if is off your credit, if it is something they guaranteed! I couldn't be happier with their services. I highly recommend them! I've referred a few other people to them, who are also just as happy with their results as I am! read more

I am more than happy with my experience with Second Chance Financial. Wayne helped both me and my Dad with our credit and took stuff off my report I didn't even realize was there. If I ever needed to get in contact with him he would always be available, I feel very comfortable knowing if I ever need anything else in the future or have any further questions he is very easy to get in contact with. Thanks Wayne!! read more

Karen at Second Chance is amazing! In just a couple of months she help jump my credit score a huge amount. Her response were quick with any questions I had & til this day she still assist me with any other questions I have. I will definitely be referring people to Karen & her team! read more

I definitely recommend this place if you want to clear your credit fast. Very professional friendly staff legit company , they got me my credit back will only use them. Very satisfied customer ask for Kathrin or Wayne read more

My letter is written to say thank you to you and the staff at Second Chance Financial. I appreciate the wonderful job you all did and continue to do in repairing the credit for myself and my husband. When I met you last year and we spoke, you informed me of what your company could do. I was nervous to get started after you went over my reports. Well, let me say the money I spent for this service was worth every penny. The payment plan that you worked out for us fit into our budget like a glove. Let me share this testimony with you all. In January, I was in a car accident and my car was totaled. I had to buy another car. In the past when I was going to buy a car, I was never offered anything below 17%. A few weeks ago, I walked into a car dealership that you referred me to and got a great deal on a brand new Toyota Camry. My finance charge........4.9%. I felt like a queen when the salesperson said, "You and your husband have really good credit, your scores are really good." I want to thank you all so much and should you need any help letting anybody know how good of a job your company does, I will be more than happy to speak to them personally. I am now applying for a house. We will see what happens. I will keep you posted. read more

This is no BS. Back in 1997 when I was in the Marines I was deployed and did not pay 2 credit cards. They sent me to conditions and up until 2 months ago they where still reporting me. Until someone recommended me to Second Chance Financial 6 months a go. They do what they say period. They cleaned my record and disputed the issues I had. What more can I say. I am extremely happy to have done business with them. Talk to Wane he will help you. Tell him Carlos D. sent you read more

dont use these people!! if i could give no stars i would. i signed up and they took my first momth plus down payment. then a few weeks later i thought what am i thinking i should cancel. i called and they refused to cancel my "contract". they send me a bill everymomth which isnt even accyrate. they missed a month on it so they told me on the phone iowe even more. they told me in order to cancel i have to pay half of ount owed which seven months later is of course more than what it was 4 months ago when i tried to cancel it. she kept running in circles aboit how u have to cancel 3-5 days after deposit. yet i can cancel now if i pay half!! these people are con artists! dont use them read more

My husband used their service a couple of years ago to help repair his credit, he encouraged me to do the same but at the time I was skeptical. From his first phone call to them they were right on top of it. They gave him a full and detailed breakdown of what his credit would look like once they were finished and they DID NOT disappoint. His score went up OVER 120 points in just a year. I finally decided I needed to do the same. Their fee's are so minimal with huge results. Definitely recommend their services. read more

LOVE this company!! Not sure what happened to the folks here that rated them a 1 star... I wholeheartedly disagree. My credit was LOUSY because of stupid mistakes I made a while back and I hadn't received any kind of credit card offers or loan offers (or anything of the sort) for YEARS and I was getting turned down for purchases I wanted to make (e.g. car purchase) as a result of these mistakes. Since I turned to SCF about a year ago, I'm getting those credit offers again, I've been able to re-fi my house at a decent rate, and I have become a responsible person that has been given the privilege of using credit again... not only that, it didn't take them long at all to fix what took me years to destroy AND it didn't cost me an arm and a leg either! Chrissy at SCF was always cheery and helpful over the phone and if she couldn't help directly, she would find the person that could. I highly recommend them and will be referring my friends and family to them if I ever hear that they need credit help. A++ you guys! Thank you! read more

Second Chance Financial was so amazing and helpful! Karen Molina, Wayne and their staff advised me for credit repair and I could not be anymore satisfied with their advisement. If you are looking for credit repair/financial advisement, I highly recommended them. I have recommended Second Chance Financial to many of my friends, family and colleagues. Their staff are experts and so pleasant to work with. read more

I am a current client of Second Chance and although I am still working to clear up my credit report entirely, I thought it would be a good time to review my experience so far...As are most people, I was concerned with all the negative reviews and experiences that are often associated with companies like Second Chance Financial, however, my personal experience could not have been better! Since signing up in March of this year, Wayne has worked with me from the beginning. I have been able to pick up the phone and call him directly every time I had a question. If he was not available, I ALWAYS got a return call immediately and if not from him, then from one of his capable office assistants. As of today, I am 99% of the way to where I wanted to be when I started this credit repair journey! Most importantly, Wayne told me up front what they could do for me and how much it would cost...that NEVER changed. I appreciate the honesty and integrity of people like Wayne and companies like Second Chance...thank you! read more

Well worth the money and time. All negative items were removed as promised. Customer service representatives and agents were very professional and patient. A definite thumbs up. read more

Heard about this business thru the radio.Called to see if they could help raise my fico score.Wayne is the gentleman that helped me out.In a matter of a few months , I started to see a difference. In six months I was impressed.I highly recommend this company.Talk to Wayne. read more

We were referred to SCF by our accounting firm. Wayne has gone above and beyond for me on more than one occasion. This service is legit, NOT OVERNIGHT (so keep that in mind with expectations going in) and absolutely worth it. My husband and I were victims of identity theft by a family member. It was impossible for us to remove some of the negative items on our own. Wayne has been diligent and most importantly honest from day one and he continues to work on our case. Like a couple of people said, it takes months if not years to do this legitimately and permanently, so don't expect a miracle overnight. What I can tell you is that without Wayne's help there is simply no way that we would have both received prime lease rates on both of our cars or been approved for the credit cards we were approved for after our disastrous experience with identity theft. I referred my mom to him(same problem) and Wayne is now working on her case, ad well. My husband' score is back up in the mid 700's. by the time we're done he should be back above 800. When we first were introduced Wayne (7 months ago) he was in the high 500's. Be patient. Results will come. read more

The service provided by Wayne at Second Chance completely exceeded my expectations. He is extremely knowledgeable and professional. My friends who initially referred me to him feel the same. It is without hesitation that I recommend Second Chance :) read more

If you are willing to do the work to get them the original information they need, they'll stick with you until your credit is clear! About 3 years ago I discovered that my credit report had erroneously recorded real estate and vehicle loan inquiries against my credit. In addition, I had a 30 day report from a vehicle loan that I was hoping could be removed. We also had a nagging ongoing report that kept renewing itself as well (about 12 years old and from a previous marriage spouse). The team at Second Change Fiancial never stopped trying to get the items cleared. That last item took two years of attempts and it was eventually removed. We never paid for an item until it was removed from all three credit bureaus, just as they promised. If you help them by forwarding updated reports (that they'll request for you), then you'll get your credit fixed eventually. Nowadays, who does the work first in good faith and then takes your payment later? Thank you Second Chance Financial. read more

Great, honest, reliable company with friendly service. They always get the job done. I've used them a couple of times throughout the years and each time I received the results they promised. read more

I am a self employed business man and when the economy hit the skids, my personal credit took a major hit. Three years ago I was flat out rejected for a car loan. Fast forward three years later and with a lot of hard work on my part and with the incredible help from the team at Second Chance, I was not only approved for a car loan but was given preferred credit status. This is not a quick fix but if you do your part and trust the Second Chance Financial team, you too will change your financial life. If you are having credit issues, I would recommend you call them today! read more

This company has been a godsend. They have literally changed my credit score inside of six months. Wayne is the best and their rates are reasonable. They deliver on their promise. Give them a try you will be glad you did read more

I was surprisingly impressed with what they were able to do for my credit! To put is simply = WOW! I had some issues with my credit that I thought were going to be permanent marks, and I would just have to deal with those. I figured they could clean up the other miscellaneous stuff, and even if it improved a little I would be better off. They improved Everything! For a three-digit number, your credit score packs a big wallop. A low score will cost you thousands of dollars in added interest over the life of a car loan or mortgage. So I figured every little bit I can improve will help. Wow did it help! I am so glad I engaged Second Chance Financial! I knew it was not going to be a short term, quick fix. I was in a position where I was able to wait, follow their directions and in under a year, I was able to buy a new Car at a great rate, and now I am pre-qualified for a home loan. Before Second Chance, I was turned down on a number of my home rental applications because of my poor credit score. That's when I knew I had to do something. I am SO HAPPY I Chose Second Chance Financial. About the negative reviews - Why would you want to cancel a credit repair program? It does take a little time, but the money spent will save you Thousands and Thousands! read more

Thank you Second chance fiancial!!!!!! my credit score went up over 100 points !!!!!!! totally worth it!!!!! Wayne and Catherine you are the best!!!!! read more

This review is overdue. I used Second Chance Financial a couple years back in order to get my credit in order. At the time, I could get credit to pay attention. The team at Second Chance reviewed my credit and removed the negative items and history cling-ons. I have been able to build a 700 plus credit rating again. Thank you Second Chance - you're the best out there! read more

thanks you Second Chance Financial. if it wasn't for you guys my credit score would not be better and I wouldn't be enjoying my brand new 2016 car read more

This company is fantastic! I have had bad credit for a long time, due to old credit card debt, mounting medical bills and student loans. It was in the 500's a couple years ago when a buddy of mine told me about 2nd Chance Financial. I called them and they couldn't have been more upfront, honest and hard working. First, they looked over my credit reports to see what they thought they could reasonably do. Then, they gave me a time period over which they thought they could improve my scores and the cost was more than fair. In the 2+ years they have been working with me, they took my scores into the 700's and, even though I'm finished paying them their fee, they continue to work to get my scores even better. I can say enough about this company. Call them if you need help with your credit. They will deliver. read more

I am mystified by the good comments...they must be from friends who haven't actually used the company or paid them money to help with credit problems. I contracted with Second Chance Financial over a year ago and I have yet to receive any written report or even a phone call on my status. I receive a monthly accounting of my payments paid and payments due and it has NEVER been accurate. Even after speaking to Wayne and verifying the payments with copies to them in the mail the bills are still wrong. As far as I can tell they took my money...did nothing and are billing me again and again for services I have never received and that I have already paid for. This problem makes me feel threatened because they know and have access to my private and personal information. I am thinking about pursuing legal action to get my money back and making sure they do not abuse my personal information. read more

My credit was a dark cloud over me for a long time. Years of not being able to purchase a new or even used car, home or just have a simple credit card. I can't say enough about this company! In less than a year they have cleaned up my reports. Two of them are completely clean and the other only has one negative item that they are still working on. I was offered a small balance credit card from my bank that I pay off every month that has really help my credit score jump! I recently was approved by Discover for a $2000 credit limit!!! My financial advisor Anna Lopez was very helpful and very patient with me. She is now educating me on how to get my credit score even higher. She was always there forwarding all documents that I needed to get to them! I would recommend Second Chance financial to ANYONE who is looking to feel good about themselves and walk with pride again!! Sincerely yours Heidi P read more