They are the best of the best!!! They are knowledgeable…read moregreat customer service and they go above and beyond. Sandra helped me increase my credit score almost 200pts!!!!! Thank you to this team!!! Highly recommend

My financial advisor recommended Sandra and Jeff to me so I can fix my credit profile. Credit is so…read moreessential to our everyday life. Within one month, my credit score has gone up 10-15 pts. In the consultation, Sandra will looked at your credit profile to tell you if she can help you or not. Fun fact: they also guide you into helping you build your business credit! Thank you, Sandra & Jeff.

All I wanted was my credit fixed. I walked away with Perfect Credit and check for $50k. Ali and his…read moreteam blew it out of the water. His credit and legal expertise led my case to best results anyone can ask for. I wouldn't be buying my first home without them. THANK YOU ALI !

The Best Investment Ever! I cannot thank Ali and his team…read moreenough! I hired them because I had three accounts with negative history--even though I had already paid them off, the damage was done. Ali and his team negotiated settlements with the credit card companies (Amex and Discover), and within less than two weeks, the accounts were removed from my report. My credit score skyrocketed! I highly recommend their services. You can absolutely trust them--this is the real deal!

A SCAM. I paid for services, the dispute process was started but no progress was made. Tried…read moregetting in contact with them via email and phone and no response from them or credit bureaus. Over $300 later and nothing was done and no response from anyone. A HUGE CREDIT SCAM

Had an overall excellent experience with this company. I had multiple collection accounts and quite…read morea few late payments. They were able to remove most of my negative trade lines within 3 months. I also gained a wealth of information about how credit works. My FICO score has increased by 75 points within the first 3 months. This service really works. If you are on the fence, all I can say is that they are the real deal. I recommend credit girl to anyone looking to improve their credit and overall financial situation. And they were cheaper than other repair companies that I have tried.

There are very few programs who are willing to commit & help people who are in these kind of…read moreissues. I have nothing but good reviews for this program, especially Willian Gil who was the one who helped my dad & got the modification going & approved. He was really on top of things & we are really thankful for his hard work & for being on top of this case as if it was his own. His replies were so quick both by phone & by email & he made sure all the paperwork was complete & correct before sending it over to the bank. Besides the great work, the other great part was that my dad didn't have to pay a single dime for this service. My family & I are very appreciated of this program!

Do not try their program if you have a bankruptcy, they make you promises to save your home, but in…read morereality they want you to lose your home for their own benefit.

Solid company. Straightforward, responsive, and organized. They helped clean up issues and put a…read moreplan in place to get my credit where it should be.

I signed up with Infinite Financial Firm Credit Doc to help remove several late payments from my…read morecredit report because I needed my credit fixed quickly in order to buy a house. From February 23 to April 21, I trusted the process and was very clear from the beginning that money was not the problem. I even told them I was willing to pay extra if they could work faster and actually get results. At first, they told me I did not need to pay off my credit cards or balances for the process to work. Later on, they changed their advice and told me that if I paid off the accounts, the disputes would move faster and have a better chance of success. I followed their recommendation and paid off the accounts hoping to finally see results, but even after doing that, I still did not receive any meaningful improvement. Instead of offering a faster or more effective solution, they placed me into a monthly payment program and kept telling me to wait. Communication was also very slow, especially from the owner, who would take a long time to respond to my messages and concerns. During the entire process, they claimed they filed disputes multiple times, but I never saw any positive results. In fact, my credit situation became worse instead of improving. After almost two months of waiting, I was eventually told that I should just cancel the service because they were not getting results.I feel disappointed because I spent time, money, and trusted their promises during an important time when I needed my credit fixed urgently. Based on my experience, there was a lack of urgency, communication, and effective dispute strategy. I would strongly recommend others ask for clear proof of work, realistic expectations, and actual progress before signing up.

would like to take a moment to write an honest, sincere, and genuine review about Second Chance…read moreFinancial. Back in 1998, when I was trying to purchase a house, I needed help repairing and improving my credit. That's when I met an incredible team at Second Chance Financial -- John, Karen, and Wayne. From the very beginning, they treated me with kindness, honesty, professionalism, and genuine care. Thanks to their help and guidance, I was able to buy my home back in 1998. Now, 28 years later, I find myself reaching out to them again for assistance, and to my surprise and gratitude, Karen and Wayne are still there. That alone says so much about the dignity, integrity, and stability of this company. It shows not only how they value their clients, but also how they treat and respect their employees. What always made them different is that they never treated me like "just another client." Over the years, they would occasionally call simply to check on me and see how I was doing. That level of humanity and compassion is very rare today. If anyone needs honest and trustworthy help with their credit, I truly recommend Second Chance Financial. These are good people who genuinely care about helping others rebuild and move forward in life. Thank you, Karen. Thank you, Wayne. And may God bless the memory of John, who is no longer with us. Your kindness and help will never be forgotten.

Wayne is very knowledgeable and responsive. He managed and cleaned up our FICO as if they were…read morehis. He improved our scores beyond what we need to refinance and save money. Thank you, Wayne,

These people are NOT BK atty in california. They only do debt settlement. They are based in…read moreArizona. A little misleading.

I have referred clients to Rosanna to help them get out of credit card debt. They all say the same…read morething. She cares a lot about their situation and does whatever she can to help them. Besides defending their interests against big banks, she has a network of professionals to help them with every need they have. But most importantly, she fights hard to help them get out of debt as quickly as possible for as little as possible. She gets deals that they (and even other attorneys!) were not able to get on their own. I trust her 100% and highly recommend her to anyone considering debt settlement, and the consultation is free so you can't go wrong!

HARD TO REACH BRENCH It started in a parking lot--one of…read morethose shared ones where different businesses sit next to a bank. Nothing unusual. Just another day. I saw an envelope lying on the ground between the cars. At first, I honestly thought it was trash. Something a bank customer had dropped and didn't care about. I almost ignored it and kept walking. But then something in me--my instinct--kicked in of order. I looked around. So I picked it up, thinking,Who could be this messy person I'll just throw it away later, and put it in my pocket so I can do it right away Then I went diration to the bank and got busy with my own business. And just like that--I completely forgot about the envelope. It wasn't until I was far away, already heading home, that it suddenly hit me. The envelope. And I even asked myself, "Why didn't I just throw it away at the bank?" By the time I got home, curiosity got the better of me. I opened it. Inside, I found a paper, some money, and a smaller envelope with handwritten numbers. I counted $140. But on the paper, it looked like 740 was written down. That's when my thoughts started going somewhere deeper. This might be someone's missing portion of rent money. This person could really need this. It didn't feel like trash anymore. It felt important. So I picked up the phone and called the bank. The first person I spoke to didn't take it seriously. She said something like, "It's your lucky day," almost like I had just found free money. That didn't sit right with me at all. Lucky day? No. That didn't feel right. I called again. The second person told me that someone had already come in asking about lost money. That made me pause. Because at that point, I was already far away from the bank. So now I'm thinking--how does that line up? I called a third time and asked them to contact me if anything came up. But now my mind wouldn't stop. What if they're not telling me the truth? What if someone really needs this and it never gets back to them? What if I just keep it--and it was meant for someone struggling? That didn't sit right with me either. So I made a decision. I got back in my car and drove all the way back to the bank.It wasn't convenient. It took time. It was honestly a pain in the neck after everything I had already done that day. But I walked in--and I handed the envelope over with the question if not someone claims it if I get it back. So I got the answer Someone claims it already. I made sure that's the person on the phone told me the truth...so I was confident to give it to the bank manager assistant. But not without giving me the name good it isn't a high amount but for other it is. No direct banker only call center what are only can talk to the bank. So far so good.

Well it's finally happened.... lost the wallet with EVERYTHING that you can imagine inside of it…read moreyesterday. I mean everything too. First order of ops was to cancel all plastic-like...NOW! That meant both my Navy Fed personal and business cards-among others. So I came into the only branch for miles and miles around with moms in tow. This review is strictly concerning Navy Federal and the Immaculate Reception/ Hail Mary experience I just received in there. Trust me folks when I say I'm no one special, but I sure came out feeling like the son of Jeff Bezos or Bill Gates-with some added melanin quite naturally! So the line to see a teller was practically outside the door. The presence of a Billy Dee Williams (that's a compliment by the way) looking armed security guard kind of smoothed things over, just in the event that hot tempers and hot heads would get too annoyed at what awaited them-a long, long, long line! The line was for a litany of things, ranging from the need to get a new ATM debit card like myself to any number of other issues that the client needed to have taken care of. Luckily enough, I ran across Lauren, who was for lack of a better phrase the ground traffic controller here! When she had a few seconds to breathe, she politely informed me that I could take advantage of an option within the Navy Federal app that would in turn allow her to go and print out a replacement card immediately! In less than 5 minutes I was out the door! Lauren is clearly the CSA or customer service all star of this experience. Thanks Lauren, you are the epitome of class, efficiency, and someone with a heart, and repped the NFCU brand in a top-tier performance!