We will conduct a detailed and thorough evaluation of your credit file in light of the laws that govern the various creditors in the reporting process. We will identify everything that is questionable, obsolete, and out of compliance. We will then contact all parties and credit bureaus for the purpose of clearing derogatory and unverifiable information on your credit report.

The fee for credit repair, credit re-establishing, and credit restoration services is based upon us reviewing and analyzing the reporting from three credit bureaus.

No! Automated dispute services enter the list of derogatory information from your credit report into their software, and typically ask you to select which items you would like to dispute. The software then prints dispute letters which are sent to the credit bureaus. Unfortunately this one-dimensional approach can leave the majority of potential improvement untapped. We believe that this is not an acceptable outcome for our clients, everything on your credit report can affect your financial life. Our detailed methods ensure the best results for our clients.

We will show you results in just 45 days!

1. Pay your bills on time. Late payments have a dramatic impact on your scores.
2. Don’t exceed 30% of your credit given. Going over the 30% can cost you valuable points!
3. Only open new accounts when recommended by 2nd Chance Credit.

Never! Please see our Privacy Policy for all of the details, but in short: We do not, under any circumstances share, sell, or in anyway provide your information to anyone. To make this super clear; your name will not be sold or given to anyone for any purpose. No one will see your information. We will not discuss your case with anyone under any circumstances.

After you sign up we will provide you with specific (and easy!) step-by-step instructions for obtaining your credit reports and getting them to us. Please also note that once our process is underway you will be receiving updated credit reports periodically from each bureau reflecting the results of our efforts. We will request that you send us these reports and any other material communication that you receive from the bureaus to us so that we can monitor the results.

No, when you request your own report via the internet, it doesn’t hurt your credit scores. Your credit score gets deducted 5 points per financial credit inquiry.

As we have noted, 79% of all credit reports contain errors. Please don’t assume that the derogatory information on your credit report is correct. If you honestly do not recognize an item or information on your credit report we should demand that the credit bureau research it. This is not a frivolous dispute! We are here to remove errors. We will ask you to be honest and to think carefully about every derogatory item on your credit. If you think that the report is wrong we expect you to tell us. Once we submit a dispute the credit bureau has 30 days to verify that the information is correct. If they cannot verify it in that period of time they are required to delete the item. The burden of proof is on them. This is as it should be, and it maximizes the probability of a valid and accurate result.