2nd Chance Consumer Advocates

Helping Those in Need, Suceed

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Choose fone of our three customized program options: Individual, Plus One & Business Plans.

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Credit Reports

Good credit can save you thousands of dollars each year. Find out if your reports are accurate and up-to-date.

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Dispute Process

We discuss with you in detail your credit reports, and start the dispute process of your questionable items..

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You can sit back, relax and watch the results as your credit is improved one step at a time.

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What are the three credit bureaus?

A credit bureau – sometimes called a “consumer reporting agency” – is a business that collects relevant consumer information from creditors and courthouses, and then sells that information to interested parties such as potential lenders. Such information is sold in the form of a credit report. In the U.S., the three major credit bureaus are TransUnion, Experian, and Equifax.

How long does the program last?

Everyone’s situation is different, but the average customer is with us for nine months. The duration of the program depends on the number of items on your report that need to be disputed, as well as the responsiveness of the credit bureaus. Once you sign up we will review your credit report and give you a better assessment of your time frame.

How do I send my credit report to you?

After obtaining your 3-bureau report online, just provide your login information and we will access it directly.

When should I see results?

If you sign up today, we should have your first round of dispute letters out within a week. And since the credit bureaus have 30 days to process disputes, you should see initial results in about a month. On an ongoing basis, you should see results each month you are in the program.

Should I sign up my spouse at the same time?

We suggest that you both sign up, and we offer special couples pricing to encourage you to sign up at the same time.

Can you help if in bankruptcy?

it’s actually one of the best things you can think about–and, yes, it may help in a few very important ways. When someone files for bankruptcy, it’s easy for revised items to slip through the cracks or be reported incorrectly. When this happens, the impact on your credit score can be more devastating and linger longer than it should.

Credit Scores

Ordinary to Extraordinary

We all know how important our credit scores are. Potential landlords, creditors, employers, lenders and many others are interested in your credit score. A high score can demonstrate to possible creditors that, should they lend you credit, you’d be able to repay it. A low score, on the other hand, can be a sign to an employer that you might not be a reliable job candidate.

Because our credit scores are so important and come into play in so many facets of our lives, we know we should do what we can to raise them. Most of us know what kinds of things we could be doing to improve our credit scores, but it can be difficult to know where to start.

It’s time to translate that knowledge into action.

If there’s debt you need to overcome or if you need help managing your credit cards, you can get started today. Aside from improving financial habits for the future, it’s important to repair your existing credit report. Any misleading or inaccurate information can and should be disputed. We can help.

2nd Chance Consumer Advocates

Helping Those in Need Succeed!

We will help you improve your credit score in as little as 45 days.


Raising Scores

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Satisfied Customers

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Loan Approvals

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  • Thank you

    Thank you i got a better interest rate on my new car…under 5%. Thank you carlos for your help. I am glad i came to you.

    Sergio V.
  • Professional

    Professional Team, professional Service. Definitley worth it.

  • Happy Customer

    I am so happy that i came to 2nd Chance, they raised my score by 40 points! I could not be happier! Thank you.

    Heather Brown
  • Got my first car!

    I was hesitant to try a company that fixes credit at first. Im glad i did, 4 months later i was able get the car that I wanted with low interest!

    Guy M
  • Best Service

    My Coordinator Carlos was extremely knowledgable and courteous.. he walked me through the whole process and counseled me on how to become financially stable. Thanks you rock!

  • 24/7 Support

    Best support anywhere, had a question on a Sunday , thought no one would get back to me until monday, was i surprised when a representative called me back with in the hour.. Best service around!.

    Pedro Pablo Toledo
  • Finally in a new Home

    Needed a higher score to be able to afford my new home. 2nd Chance not only helped me out, but they raised my score by over 30 points and got me into lower payments than i even imagined. Love you guys!

    Bob G
  • Satisfied

    I was very skeptical at first, but my mind was changed after i saw what this company can do. They are straight up, ethical and very knowledgable. Will recommend my friends and family!

    Mileida Gonzalez
Step 1

Sign-Up and Select Your Plan

Sign-up online or by telephone. It’s easy and only takes a few minutes. We have several customizable programs and add-ons to help you create a program for your credit repair needs. During your FREE Credit Consultation your Credit Analyst will review your credit summary to determine the best plan of action to reach your credit/financial goals. Know what is on your credit report when you are deciding which program you want! Choose from one of our customized program options

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Step 3

Launch Your Client Portal

After we import your credit reports into your case file, we will prompt you to login and activate the Client Portal. During this process we will ask you some questions about the content of your credit report. The answers you provide will provide us the tools we need to dispute your credit items. Our legal team and Personal Case Advisors use the law to get the best results possible and help you reach your optimal credit profile..

Step 2

Send us your credit reports

We want to get your credit reports and get them imported on your case immediately so we can get started. 2nd Chance will help you obtain your TransUnion, Experian and Equifax Credit Summary and will import them into your case during the set-up process. These up to date reports will provide us with the information we need to dispute your questionable credit items.

Step 4

Relax and Enjoy the Results

During the dispute process, credit bureaus coordinate with the creditors on the disputed information. They have a specific amount of time allotted by law to respond.We will update your case file and take further action if necessary. Now you can relax and watch the results as your credit improves one step at a time.

2nd Chance Consumer Advocates
+1 305-791-4141
17991 NW 87 Ct Hialeah, Fl 33018
Always Open