2nd Chance Consumer Advocates

FAQ's

It's a pretty normal question to ask: how long is this going to take? The honest answer is that it depends -- on your goals, your situation and how much work you need done. That's actually one of the best parts of 2nd Chance Consumer Advocates-- they look at you as an individual and build your own personal Game Plan accordingly. Your Game Plan focuses on the areas that will make the most impact-- and helps the 2nd Chance Consumer Advocates experts get to work quickly to make sure your creditors are being responsible regarding the information they're reporting about you.
As you're looking over your credit situation, a question pops up: what if most or even all of my negative items are accurate? Will credit repair still work for me? Well, there are more opportunities for change and growth than you might think. Here's why. Creditors sell very critical information about you every day. It's information that can affect almost everything in your life, from your car payment to your house to your job. So, it's important to make sure that that information is as substantiated, timely, accurate and fair to you as absolutely possible. A lot goes into these definitions. This is where the 2nd Chance Consumer Advocates experts come in. It's their job to help you assess the items on your credit report and then intervene with your creditors to help uphold these standards regarding the information they report about you to the bureaus. So, see what the process can do for you. It might surprise you how much is possible.
It might seem like thinking about credit repair while you're going through a bankruptcy is kind of like putting the cart before the horse. But 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. With the 2nd Chance Consumer Advocates experts, you have a team who knows all about the credit system helping to make sure that everything is appearing correctly and being removed when it should be. And when you're dealing with something like bankruptcy, it feels good to know that experts who are skillful and trustworthy are looking out for you.
To know whether credit repair is worth it, you just have to look at what your credit impacts. These days, it seems like it's just about everything. When you start realizing how far it goes, it's easy to do a little math. Not having ideal credit can cost you thousands and thousands of dollars over the course of a home or car loan. It can keep you from getting insurance coverage or even a job. It can make even everyday needs and decisions more difficult. When you compare this to the confidence and assurance of feeling in control of your credit situation and the opportunities that brings, the value of credit repair can seem pretty priceless. Luckily, having the experts at 2nd Chance Consumer Advocates working to help you tackle your credit issues costs only $60.00 a month. It's a pretty great value that may impact a lot of the things you value most.
2ccs.org focuses upon how your credit reports look. In other words, they work to help you safeguard your financial reputation so that you can get the credit you deserve. On the other hand, debt settlement companies offer something very different – they negotiate with your creditors to create payment plans. Sadly, sometimes those debt negotiators can make your credit reports look even worse. Credit repair is unique. Rather than settling your debts, they work to help ensure that problematic negative items on your credit report are substantiated, relevant, and accurate and reported fairly. And they work hard to help get them removed when those standards are not met. With 2nd Chance Consumer Advocates, the answer's in the name: they're the experts in credit repair and in helping to defend your financial reputation and overall creditworthiness.
As valuable as the possibility of better credit is, the cost to start taking control of it is simple: its $60.00 per month for the Individual Plan, with an enrollment fee of $150, and our Family Plan for $100 a month with a $250 enrollment fee. There will never be any additional costs or fees - it’s that straightforward.
We are here for you throughout your credit-repair experience. You can always email us with any questions you have. We’ll get back to you promptly so that you can always keep moving forward. If you are not already a member of 2ccs.org and have questions about the service email us at info@2ccs.org. If you are a member and have questions about your account email us at 2nd Chance Consumer Advocates
The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance processes, verifying that the information in your credit report is correct.
Federal consumer rights under the FCRA include:
Access to your credit report. You have the right to know what is in your credit file. The FCRA requires Experian, TransUnion, and Equifax to provide you with a free copy of each report once per year. You are also entitled to receive a free copy of your report if:
  • A potential lender views it.
  • You are the victim of identity theft and/or want to place a fraud alert in your credit file.
  • You request public assistance.
  • You are unemployed and plan to apply for a new job within 60 days.
  • Visit annualcreditreport.com for access to your free copies.
Access to your credit score. Your credit score provides potential creditors with a numerical indication of how likely you are to repay borrowed money. Based upon information found within your credit report, this number helps lenders, insurance companies, and other businesses decide whether or not to do business with you. The credit bureaus are required to provide your credit score if you request it, however it may come with a small fee attached. With our service, you'll receive a free, updated credit score every 90 days. Notification when your credit information is used against you. If your application for insurance coverage, auto loan, mortgage, or other type of credit is denied, the lender must inform you of the decision. They must also provide the contact information of the credit bureau that gave them access to your report. The right to dispute information on your credit report. Incomplete or false information can drag your credit score down. In addition to viewing your credit report, the FCRA allows you to trigger an investigation with the credit bureaus if you spot an error. Once the information is verified as false or inaccurate, it must be deleted or corrected within 30 days. Keep in mind that our service demands that creditors and bureaus uphold two additional reporting standards pursuant to other applicable laws -fairness and substantiation - in addition to simple accuracy. The right to delete outdated information. Negative citations such as collections and bankruptcies can remain on your credit report for a maximum of 7 to 10 years. After this time period has passed, the credit bureaus must remove them from your report. Remember, though, that there is no minimum reporting period, so creditors or credit bureaus can remove information even earlier if they choose to do so. The right to decide who views your credit report. No one can view your credit report without your permission. The FCRA requires lenders, landlords, employers, and other interested parties to obtain consent before viewing your credit report. The right to opt out of unsolicited offers. If you're tired of receiving pre-approved credit applications and insurance coverage offers, you have legal recourse. Businesses that send these offers must include a toll-free number that allows you to remove your name from their solicitation list. The right to legal action. Your credit report is valuable, and the FCRA prevents outsiders from misusing it. For more information, contact a credit repair professional, or visit the Federal Trade Commission website:www.ftc.gov/credit.
TopMenu