Having A High Credit Score Allows You To Be In Control  

When you know that you have a high credit score (above 720) you have the power of choice.  You will pay less for the basic things you need to finance  like homes and cars. You also can avoid deposits and higher rates for car insurance and apartment leases.  We know the biggest opportunity we have is to avoid credit cards altogether, but having a high credit score will allow you to negotiate and look around for the lowest rate possible.

  2nd Chance Credit

"Credit Restoration Made Simple" 

Since 2006 2nd Chance Credit  has been helping people like you restore and build solid credit ratings.  We are at the forefront of this quickly changing economy and we work closely with our clients because we are fully committed to meeting and exceeding expectations. We also believe in keeping our services affordable to our clients. Our rates are competitive within the industry , but our results and one on one attention separates us from the rest.  

We are proud that so many of our clients have turned to us for guidance and assistance with their credit restoration needs, and we work hard to earn their loyalty every day.

What Really Matters


What Really Drives My Credit Score?

Yes it is true..... 2 factors control about 65% of your credit score!

Red Flags For Lenders 

What prevents a lender from lending to you?

The most important thing is helping you restore your credit

At 2nd Chance Credit, we do not "practice what we preach", but we "preach what we practice"! The average personal credit score at 2nd Chance Credit is 777. The average credit card usage is less than 12% of the total limits.

With several years of experience in the mortgage and real estate industry, we've built a solid reputation by helping people restore their credit and improve their credit  ratings by applying state and federal laws that protect consumer rights.  

At 2nd Chance Credit we understand that finding the right credit care program can be scary and uncertain; especially with so many internet-based financial scams and deceitful practices. But, rest assure  we've helped clients with varying degrees of credit disrepair to successfully restore their credit and fulfill their dreams. We want to help make your dreams become a reality for you and your family too.

About Us

Relevant Reading

Would you like a worry free future?

Wouldn't we all? Finally, you can have the future you want without the worry of what tomorrow is going to hold for you financially. 2nd Chance Credit is dedicated to helping you achieve all of your future financial dreams with ease and comfort.