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Second Chance Financial

123 E. Arrow Highway
San Dimas, CA 91773


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Second Chance Financial is a small sized credit repair company in California. They have a very basic website that does not offer much information in regards to either credit education or in regards to their company or program.  When we tried to call them for more information the call was immediatly answered by a voicemail service.  This is a big concern.  It leads to questions about the actual size of the company, do they have enough employees to give adequet customer service?  Also, without being able to get a hold of them it makes it impossible for us to give a full review. 

  • Results Second Chance Financial has posted many testimonials but no copies of real deletion results on their website for you to browse and gauge however there is no way for us to verify them.  There are complaints online about the lack of results and services people received when dealing with this company. 

  • Experience The experience of Second Chance Financial is hard to determine.  The company was started in 1988 but we cannot find any information on the credit expertise of the company owners or directors. Typically, if there is a lot of experience in the company that is something they will promote however and we don't see a lot of that.  Also, there is not a lot of information on their website and the information they do have is vague. 
  • Types of Programs Offered  The Second Chance Financial website doesn’t get any specifics about the programs that they offer.  You will have to call directly for more information. 
  • Pricing and Value:  The Second Chance Financial website doesn’t mention the specific cost of any program.  You will have to call for more information.  However, value is directly tied to results and with the background, size, and complaints on the company you really have to consider what that value might be. 
  • Guarantee: The Second Chance Financial website has no mention of them having a money back guarantee.  This does not mean that they do not have one but if they do it is not something they are wishing to advertise.  We have found that when a company has confidence in their services they will offer a customer friendly guarantee and actively promote it on their website. 
  • Reputation/Reviews:  Second Chance Financial has various complaints on independent websites around the internet that can be found with a simple Google Search. This is obviously a concern with a small company to have this complaints of this magnitude.  Typically, fake complaints made by competition are done with only larger companies. 
  • Time of Program:  The website for Second Chance Financial does not specify any details to the timing or terms on the website.
  • Website Security:  Second Chance Financial does not have the ability to sign up through their website so web security is not an issue. 
  •  Compliance:  Without seeing their agreement it is tough to tell if they are in compliance with state and federal laws.

If you are looking at enrolling with Second Chance Financial it is important that you do all your research.  They have a website that does not offer much information and when we have tried to contact them our calls are always answered by a voicemail. We recommend you look into our top recommended companies before moving forward with another company. 

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