would like to take a moment to write an honest, sincere, and genuine review about Second Chance Financial. 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. read more

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

Amazing service , great results by Wayne . He answered all my questions and as very helpful

Easiest, most responsive and actually care about your situation. Fished around and landed with SCF, couldn't have been more happy with my decision! Hands down, RECOMMEND read more

I definitely recommend this place, they are legit and 100% will give you results. They did it for me. Ask for Wayne:)

Have used services in past. No issues. Got my credit all up to party and looking great. Helped me when purchased my house. Give Laura a call. Thanks all read more

Wayne was an incredible help and was able to guide me with his knowledge. It was a pleasure working with him. He was able to navigate everything quickly, efficiently, and successfully. I would recommend him to anybody looking to get to where they want to go. read more

Lisa was very kind, and helpful in getting the process started. I had reached out to them a year before from a radio add. I am happy that we got the ball rolling. read more

I used the company twice to fix my credit and my score very good. I like there work. I definitely recommend them.

Annoying harassing company, they keep calling and leaving voicemails everyday even though I declined

These folks are amazing. They helped us get our credit score up from the mid 400s to the high 600s. Once we got our scores up, we were able to purchase our home. Since then we have refinanced and eliminated all of our debt. If it was not for their guidance, we would not be living in our four bedroom house in Huntington Beach. Thank you for everything you have done for us. read more

Wayne, did an outstanding job assisting us with our credit score , once we got our credit score up, we were able to purchase our home his expertise on this matter were outstanding I will recommend him 100% thank you!!! read more

When trying to refinance my house, I was not meeting the score to qualify. I explained my situation and needed help. Second Chance Financial knew where to target to help me. I can't express my gratitude. You have questions and they have the answers. Thank you!!! read more

speaking with the owner and him reassuring me they had completed what they had promised

Great services at an affordable price! Karen Molina was my rep and she did a fantastic job! Highly recommended.

Karen Molina. At second chance help me out so much her information was so useful she help me rebuild my credit in weeks. She gives the best advice and she's so kind and polite. She took her time out of her busy day to answer my questions without hesitation, I strongly recommend you ask for Karen Molina at second chance financial. read more

Second Chance Financial - Financial Advising Near Me - San Dimas, California

When my husband and I were going to buy a house, we submitted an application for a mortgage and were surprised to see many errors on his credit report. There was a defaulted loan (for a car he never owned) and even report of overdue child support (for a child he never had). We had absolutely no idea where to begin to correct these errors. We found Second Chance Financial on Yelp and we spoke with a very reassuring professional who walked us through the entire process of correcting his credit report. Second chance financial helped us remove ALL the false items on my husband's credit report and his score skyrocketed. It was such a relief to have professionals who knew exactly what to do when we felt overwhelmed. read more

Don't know where they get all these 5 star reviews from , scam for sure . Been a year nothing happened to my credit score no update nothing . I called in for credit report was told it was going to send to me guess what nothing came in .. I will cancel the service and dispute all my charges ! I'm so disappointed! When I first joined Karen called me so many times and after couple months no update . Supposedly you pay monthly service and you have to follow up with your own credit history that's how it works . Do not waste your money it's just another company wants to make $ off subscription. read more

Laura and Wayne were so easy to work with! I was in the process of buying a house and they helped remove some negative remarks super quick! I was able to purchase my home with their help! read more

Second Chance Financial is amazing! Wayne from Second Chance is absolutely phenominal! Wayne is always ready to assist and always so helpful. I honestly can't thank Wayne enough for answering all of my questions and thoroughly clarifying content! read more

Wayne with second chance financial was a great help to my wife and I. We ran into some unexpected credit issues while applying for a home loan and he knew exactly what we needed to do. He was fair in his pricing and very responsive / helpful when we had questions. We quickly saw a great increase in our credit score and resolved the issue at hand with ease. Trust that Wayne and second chance financial will do what they can to help you, and they know what they're doing. Thanks again read more

Wayne is spectacular. He really cares about people and their finances. He fixes your credit and makes dreams come true . I am a returning client and wouldn't go anywhere else. Thank you Wayne and your staff. read more

Great work enjoyed working with Wayne and his staff. My credit score increased. Thank you all. Areina read more

A family friend recommended Second Chance Financial and I'm so grateful I got to work with them. I had been battling a medical bill that had gone to collections due to a ridiculous situation for years but nothing I did made any impact. Wayne and Laura turned around the whole situation within a month to get rid of it and therefore bumping my credit score up by over 100 points. Easy to work with, simple process, friendly, understanding, and they take care of business! 10/10 would recommend to anyone in a similar situation. read more

I can't thank Wayne from Second Chance Financial enough. He went above and beyond to help us get our credit situation fixed. We had tried other credit repair companies and none of them helped us. When we talked to Wayne and told him our situation he started working on it immediately. He is wonderful at what he does. Thanks to his hard work we are closing on our first home. I highly recommend Second Chance Financial to anyone looking to fix their credit. Thank you again Wayne, we are forever grateful for your help. read more

I really wanted to give them a higher rating, but the lack of professionalism is too much to overlook. I signed up with them in June of 2020 and just finished my 8 month contract with them. My credit score didn't have much of a change due to them, but mainly due to me paying off my debt. Negative items are still there, I know there is no guarantee that can be removed but I don't feel much effort was put forth by them, only because of my encounters with them. Every time I would call for updates or to discuss my situation I was always told I would receive a call back, yet no call back was ever received. Also I was told a bunch of times they were to busy and to call back. A month after my contract ended another charge from them came thru and when I contacted them to resolve the issue of this unauthorized charge, I was told I would receive a call back.....which of course I did not. I called them back to get this resolved and when I called I was on hold, someone finally came to the phone telling me something that had nothing to do with what I was calling about. (They thought I was calling about my results for disputes, why....I have no clue I made it clear I was calling about the charge) They did promise to refund the unauthorized charge and for that the two star rating was given. I wanted to give 1 star just in general for all of this headache. I had high expectations considering I was paying $100 a month for them and was left with nothing but disappointment. Again just my experience. read more

I am a Real Estate Agent in Las Vegas and Karen Molina has been helping numerous clients of mine ove some time now. She is very thorough and patient. She is a true professional and I will continue to recommend her to my clients. If you are looking for someone who really cares then Karen is the one. read more

Wayne and the staff SCF are awesome. My wife and I had some pretty extensive issues with all 3 credit beauros. Wayne works very diligently to help remove ALL our issues from all agencies. It took a little more time due to the stubbornness of a cpl credit agencies but in the end it'll all be worth the extra time. Thanks Wayne and staff!!! read more

I have known, utilized services, and referred clients to Second Chance for almost 20 years. They are professional, knowledgeable and get the job done. Absolutely recommend them. read more

I want to thank Wayne and his entire team over at Second Chance Financial for changing mine and my families life! They were able to bring my credit score up tremendously! Which allowed me to qualify for a better interest rate and closing cost credits for my families new home. This team and company represent among the highest level of customer service and professionalism, I was able to text, call at anytime. Answers were clear, detailed and all of my goals were met. I would highly recommend Second Chance Financial! Thank you again for everything. Starting 2022 strong!! Let's go!! read more

I've been working with Second Change Financial for well over 5 years and it was single handedly one of the best decisions I've ever made. Not only were they able to help me repair my credit, but the wealth of knowledge and support I received from Wayne has helped me reached a level of financial freedom I previously believed to be impossible. Whether it's purchasing a home, buying a new car or planning for a better future, Second Chance Financial can help you get there. read more

I always appreciate Karen's quick response to help me with all my credit needs. She's always very sweet, polite and a pleasure to deal with. If you need any credit repair services ask for Karen and I promise you will be treated very well and she will get you back on track. 5 stars all around Thank you again Karen read more

Ok, most of us have experienced life changing events that impact our credit in very negative ways. So much so that we give up on returning to a good credit score. My friend Tim (customer of Wayne) constantly told me about Wayne over and over and over. I finally contacted Wayne to inquire about restoring my credit rating. Even though I felt totally defeated and thought it would be a waste of time. Wayne assured me that he could help. HE DID within a short 3-9 months my score rose to 749. I have been sending Wayne customers every since, knowing that Wayne and his staff will be HONEST AND TRUTHFUL while providing you manageable expectation. Thank you WAYNE and Staff. You did and EXCELLENT JOB. 2nd Chance Alumni David B read more

I'm fairly new to this program, paid the money to start my credit repair. I am working with Laura regarding my credit and she seems very nice. I just feel like I am doing all the homework at this point. As a paying customer you want to know things are moving and getting done. I had to pull my credit and do some homework myself. I went down to the very details staying up late, to come and find out my birth year was wrong on my reports, something I noticed right away and should have caught that years ago. Now I'm wondering what else is wrong on my credit reports? Maybe it's the management but very few follow ups from this company. The only thing I get told when I call to see if my credit repair is being worked on is, "send us copies of your reports every time they come in the mail." I know I have to put in my part of the work, however, isn't that their job and that's why I am paying? Second chance financial already ran my credit and they have seen what can be disputed, removed, and challenge any derogatory remarks on my credit report. I've read a lot of good reviews, also a lot of regretful customers. I'm really hesitant about continuing my business here and I will continue updates here to see if my credit rises or this becomes a headache. I will be on top of it especially for the money I am paying to Second Chance Financial. read more

I am writing this review because Second Chance Financial changed my life and helped me get back on track. Wayne Thomas is they BEST and has taken time out of his busy day to answer any and all questions that I have had the past 3 years and is so helpful, nice and so professional! Wayne....I appreciate you more than you know! THANK YOU for always returning my emails and calls and for being an amazing support through all of this! I found Second Chance online and called. I was weary, scared and ashes of where my credit was, but all of the staff made me feel loved and comfortable and I will always remember that! Thank you to ALL of the staff, especially the ones that have helped me the past few years. I am so impressed with how you have turned my credit around for the good and how hard you guys have worked! I definitely without a doubt recommend Second Chance Financial if you need help with turning your credit around! It was worth all of the money that I spent and have no regrets or complaints about this place! I give them 5 stars and 2 thumbs up and will continue to do so and refer as many people as I can to them! Again, THANK YOU Wayne and everyone that has worked on my file! You are all amazing!!!! -Clayton Thurmond read more

I can't recommend this company enough!!! I'd give them 10 stars if that was an option. They make the process easy and understandable. My credit score is higher than it's ever been. read more

I worked directly with Wayne on improving my credit before buying my home. Wayne and his team are EXTREMELY professional, courteous, and exceptionally knowledgeable in their field. I don't wish to provide personal details, but I will say that any concerns and inaccuracies I had on all three reports were promptly address AND resolved! I had tried on my own to resolve these discrepancies, and when I was unsuccessful, I hired another firm to help. They were very nice people, however weren't successful. Wayne and his team delivered when myself, or others could not. Thank you, guys! read more

My husband and I started our home buying journey earlier this year but our credit was not up to par. Thanks to Wayne's hard work, he has helped both of our scores and financial heath increase! If it weren't for him, we would not be submitting an offer on our dream home today We are so happy with Wayne's work and dedication, he actually is now working on my dads and brothers files to get them in potential dream homes to! We wish we would give SCF more than just a five start review. read more

Such a great company. Super friendly and they get stuff DONE. My score went up 110 points in just a little over a month!

Omg Wayne was amazing he got my credit score up almost 100 points in about 2 weeks! We saved $6000 on our cost to close on our house and our interest rate decreased by 0.5%! He is so great and will recommend to everyone! read more