The Process

Second Chance Credit has developed and fine-tuned a system designed to get you optimal result in the shortest amount of time

Good credit means peace of mind and a better quality of life. You want an excellent credit score, and we’re here to help.


The first step is meet and better understand your current needs and long-term goals. This includes a detailed discussion about your financial status including all debt related issues as well as a quick review of a current credit report.


Once the evaluation process is complete, we conduct a more in-depth evaluation of the client’s credit report and identify everything that is questionable, obsolete or out of compliance. We identify any erroneous accounts and transactions, and pinpoint opportunities for clients to lower interest rates, as well as areas where reducing debt will have the most impact.


After we have identified areas where we can help improve credit scores, we devise a strategy that’s tailored to your needs. We begin by making every effort to remove erroneous accounts and transactions. Next, we provide guidance for effectively decreasing debt and consider refinancing opportunities, allowing you to pay off debt and improve your credit score as quickly and efficiently as possible.

The Power of A Good Credit Ratings

How Second Chance Credit Helps You

Ready to Grow Your Credit Score?