Second Chance Financial

Second Chance Finanical is awesome.
I had recommended my friend over to this company a year before I started using them. Second Chance not only helped my friend but he was able to purchase his commercial truck because of this company.
My personal experience with this company had been very pleasant.
Working with Wayne and Aaron.
This company really does help and care, They have helped me secure employment by working with HR to provide proof of service being conducted to clean and settle my credit.
Note:
They do get busy but just work with them and they’ll work with you.
I wanted to Personally thank Second Chance Financial for all your help.
Thank you.
They can also help you with other services. Purchasing home and or vehicle.
Just ask …

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!

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.

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.

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!

Thank you Second Chance Financial!!!
Youguys are a great team, thanks to you, I now have a second chance to start establishing credit and a future for myself. Really appreciate the quick action taken on my credit issues.
I will for sure recommend Second Chance Financial to anyone who has credit problems that I know.

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!

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 :)

I used Second Chance Financial a few years ago. I had credit issues with several negatives appearing on my credit report. After a few months, I had every negative item removed from my credit report and was able to get a new car as well as credit cards. The process was very easy and everyone was helpful throughout the whole process. I would definitely recommend!

So they charge you 20bucks upfront to start the process, then they say they will call you in two days. No one calls. And the person you need to talk to is so busy with her other job she is only available when the average person is working 9 – 1. This is all before you talk to Wayne. Oh but if she is out sick or whatever she lies and so does the office about her whereabouts and why she isn’t returning your calls. So trust from the start is not there! I wish there was negative stars! Phony company borderline scam! Watch out

A good place to go

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.

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

Called them to clean up my credit report
they could not remove two derogatory late marks during the time that they were removing several inquiries that really didn’t affect my score. then they call me and want to set up a new contract to remove more items when I already paid them to remove those same items based on their date. This company will charge you twice for the same items be careful

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.

I contacted second chance financial as a last ditch effort to work on my credit.
long story short in 3 months I had a 9099 credit score which means no credit, I had 19K worth of old collections, they were able to have all these negative marks removed. a little over a year, I now have a car financed in my own name no co-​signer and have two credit cards!
I never would got this done without them!

Worked with a couple other credit repair companies and never had success until I called second chance. Been working with Wayne and got a few negative marks removed boosting my credit from 680 al the way to almost 800. Highly recommended and ask for Wayne as he’s always available and willing to help.

They deliver!!! I had a score of 590 2 years ago. Worked with the great team at 2^nd Chance and they worked with me to get my credit report back to a good standing. Removing these negative reports is cumbersome and difficult to do on your own, having this awesome team do their magic was a blessing for me and my family. i know have 750 from their help and paying all my bills on time. It has come full circle.
I have recommend them to my father and a couple of friend who were all having credit issue. Every single one of them has been blown away by what they accomplished with 2^nd Chance.

I recently went to apply for a home loan and noticed a ton of unexplainable items on my credit report. Most of these most likely from a failed business I owned years back. Regardless, there was know way I was getting a loan. So I called SC Financial and spoke with Steve. Steve told me that there would be a $ 100 initial charge to run my reports and put an proposal together for me. They did just that.
The proposal was great. It clearly delineated what they could guarantee would be removed, vs. what could probably be removed, vs. what might be tough. The price was completely fair (for me around $ 1500, but it really depends on how many negative items you have so don’t quote me on this rate).
Within a matter of 30 days, my credit score jumped from a miserable 520 to 560. Then another few weeks to 620, and up and up and up. Within a matter of 6 months, my score increased to a whopping 690, and it’s still increasing weekly.
These guys totally deliver on what they say they can do. And to prove it, i’m about 2 weeks away from closing escrow on my new home. No BS!
Thanks to Steve, Wayne and all the rest of the SCF team.

Just an update: I just purchased a 2010 Nissan Versa earlier this month. I went back to the same car lot where I purchased my car in 2011. My credit score has improved DRAMATICALLY. I was even shocked!
I don’t know what the negative reviews are about. I have never, ever had a problem with billing. Mistakes can be made. That’s called HUMAN ERROR. Keep track of your bills. I remember going through a job loss where I wasn’t able to make a payment and they STILL worked on my file. Whenever I had a question, they had an answer. When I was trying to move into an apt and the rental company pulled my credit report and had questions, I called Yvette who provided me with documentation to send to the rental company explaining what was happening with my credit and how they were trying to help. Where ELSE can you get service like that?
This is a process. DO NOT expect your negative remarks to removed with an eraser.
RECAP: I 100% believe in this company.