2nd Chance Consumer Advocates




Our Credit Repair Services are built on a simple foundation – to make the entire credit recovery process easy for you. With our Credit Repair Services, you can be comforted by the fact that our effective strategies will substantially improve your credit score. When you work with us, you will not only gain a better understanding of how the credit system works, but you will also learn how to develop healthy credit habits that will reward you with financial stability.


If you compare other Credit Repair Services with what we offer, you will find one essential, albeit vital, difference. The services we offer are customized to suit your specific situation. We understand that your credit report and the issues affecting it are unique and we treat them accordingly.


When you approach us with your credit report, our team of experts apply new age tools and resources to improve your score. Here is how we do it:

We Weed Out The Negative Issues

Trust us when we say that your credit report will have items that are valid and items that are unsubstantiated and invalid. Our mission is to weed out the invalid items. By applying appropriate consumer protection laws, we identify the items that can and should be disputed. For instance, late payments, partial payments, lien, charge offs, etc.

We Present Your Challenge

Once we identify the issues that are unsubstantiated, our Credit Repair Services then engage the credit companies by challenging the invalid items. The experts at Credit Recovery interact on a one-to-one level with the credit agencies. Tough questions are asked of the agencies to ensure that your credit report is fair and accurate. Then, the next step is to communicate your improved credit score to the credit bureaus and confirm the changes. We make the laws work in your favor and protect you from any unfair treatment.

Enable You To Achieve Your Goals

The Credit Repair Services that we offer go beyond repairing your bad credit. We provide you with the necessary tools to improve your entire financial system. We provide you with a  tracker, and we offer constant updates on your credit situation. Once your financial condition stabilizes, you will have rightful access to all of the financial opportunities that can help you achieve your goals and dreams.


From the moment you enlist our services, we follow a set of established procedures that ensure your credit score improves. They include:

Gathering Pertinent Information

The one thing about Credit Recovery is that we leave no stone unturned. Our Credit Repair Services gather all the necessary information about your score from not just one, but three major bureaus: TransUnion, Experian, and Equifax. The information is then filtered, and only the items that relate to your specific case are shared with you.


Four Easy Steps to Credit Restoration

  • 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.

  • 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.

  • 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..

  • 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.

Our Pricing

At 2nd Chance Consumer Services, our membership model allows you to invest in your future with affordable monthly payments.

The initial investment of $150 ($250 for Plus One Plan) covers an extensive credit audit, your Personalized Credit Repair Plan, and set-up of your Client Portal, which is an online portal giving you 24/7 access to monitor the progress on your credit file.

Thirty days after the initial consultation, the first of 11 consecutive monthly investments of $60 ($100 for Plus One Plan) will be due for the credit dispute and verification program.

  • 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