Second Credit Chance Credit Service

Increasing FICO scores and improving lives.

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Steering Clear of debt settlement plans.

Hiring a debt settlement company is an unethical approach to solving financial issues. Some companies advertise that they can save you money but the reality is,it can be one of the most expensive methods of all. Debt settlement will damage your credit scores. In a debt settlement plan,you pay money to a company without making any payments to the creditor until a certain time period as lasped.(30 days- 60 days - 90 days - 120 days) By then your credit is trashed. If you have made this mistake Second Chance Credit Service can help you get back the right road to recovery. It's never to late to start over.

The FTC and Credit Repair

Fraudulent credit repair companies have long been the target of FTC investigations including Project Credit Despair which snared 20 credit repair companies in February 2006 and Operation Clean Sweep which targeted an additional 36 credit repair operations in October 2008.

The Federal Trade Commission

The Federal Trade Commission (FTC) is responsible for enforcing consumer protection laws in the United States. In its capacity, the FTC offers a number of suggestions and warnings to consumers regarding credit repair organizations.

Beware of credit repair services that request fees in advance

Second Chance Credit Service does not charge you in advance for any credit repair services. It charges you only after the first-work, and the subsequent work have been performed.

Beware of credit repair services that don't disclose your rights

You have rights as a consumer. Beware of any credit repair company that doesn't disclose your consumer rights.

Beware of credit repair services that advocate "new" identities

It is unlawful to create a "new" identity by applying for an Employer Identification Number (EIN) to replace one's Social Security Number. File segregation is a serious crime that can result in fines or imprisonment.

Beware of credit repair firms that misrepresent their expertise

Claims such as "25 years of experience" can be misleading. That number often represents the combined years of attorney experience, not the actual length of time that the firm has been practicing. By contrast, Lexington Law has been practicing credit report repair since 1991.

Beware of companies that imply FTC endorsement

The FTC does not endorse any business. If a credit repair organization implies FTC endorsement, you would do well to proceed with caution.

Home buying and Credit.Credit is an important topic for home buyers. When buying a house you can be sure that mortgage lenders will review your credit with a microscope. So it pays to have a look at your own credit first. We will show you how to obtain your credit report. We'll even talk about ways you can improve your credit prior to buying a home.

Home buying begins with credit scores and employment. Having high FICO scores can save you thousands of dollars when it comes to buying a home or refinancing your current mortgage.

When the mortgage lender takes a look at your credit report, you'll want to have your best foot forward. First, you'll want to make certain that there are no errors on the report.These can always be corrected, but may delay the application process. Next, you'll want to be certain that all positive accounts appear on your report. If a car loan or credit card account that you paid as agreed is missing from your report, it could negatively impact the application, especially if you have few or no other accounts.

Second Chance Credit Service can assist you in getting postive accounts added to your credit report.

DON'T DELAY

CALL TODAY!

SECOND CHANCE CREDIT SERVICE

1-866-456-1152

DON'T YOU DESERVE A SECOND CHANCE?

Your credit is your future.

We have help thousands get negative items deleted and we can help you too.

Bankruptcies
Late Payments
Collections
Judgements
Tax Liens
Student Loans

Negative items Deleted in 45 days.

DON'T DELAY CALL TODAY!

   Second Chance Credit Service

        (336) 491-3447

Operators are standing by.

Hours of Operation
Monday–Friday
9:00 a.m.–12:00 p.m. EST

Cities with the worst FICO Scores.

Minneapolis	705	Detroit	675
Boston	704	Denver	674
Washington, D.C.	691	Tampa	672
Cleveland	689	Miami	671
Seattle	688	Orlando	671
New York	686	Los Angeles	668
Philadelphia	686	Atlanta	667
San Francisco	685	Phoenix	657
Chicago	679	Houston	652
Sacramento	676