Hello, my name is Kelly Wilson and I'm 27 years old. I first went to Barbara in Feb of 2004 for a few reasons. I knew my credit was horrible from my college days but I was also concerned because I have such a common name. I kept seeing reminders on the news to check your credit every six months and I hadn't ever had my credit pulled except to get denied for credit cards. So when I called Barbara she went through the process with me over the phone and I have to admit I was a little leery because it sounded to good to be true. I did take my sweet time getting my credit report because I think I was a little embarrassed with what I was going to find on it. I guess you have to prepare your ego for a lot of things in life and for me this was one of the hardest things. When I finally got my credit report, it was as bad as I thought and low and behold there was a judgment on there that wasn't even mine. When Barbara got my credit report my mid score was 535 and I had about 12 delinquent accounts. Its now Aug of 2005 and I have been sittin' pretty with a mid score of 670 for almost 6 months. Within the last year I have obtained my first credit cards in my life and I also was pre approved for a home loan. I never thought I would ever have a second chance and that's what Barbara gave me, a second chance. Without her I would probably still be working my waitress job and living day to day on my cash tips. I owe most of my success to this woman and her program. You know what, I feel very fortunate to have her in my life. I'm in the process of moving to the beautiful Island of Maui and I owe it all to her.

Kelly Wilson
Scottsdale, AZ

What's up, my name is Andy Clauss and I heard about Barb through my girlfriend. I honestly didn't take it serious but my girlfriend kept bugging me to get started. I had my credit pulled prior to meeting Barb thru a friend of mine and my credit score then was 509. I had no knowledge of credit so I didn't know that was bad. I had always paid cash for everything and I somehow convinced myself that paying cash was the best way. I never did anything that I knew of that would really affect my credit but since I was a kid I have been in and out of the hospital due to my dare devil behavior. My girlfriend was actually the initiator for getting my credit report to Barb and what she told me was pretty scary. The reason my score was so low was because of my medical bills, but I've always had insurance so I was really confused to why my medical bill were unpaid. Needless to say she taught me not to be so trusting of insurance companies and to always make sure that everything is paid. I recently had my credit pulled because my girlfriend and I were thinking about purchasing a home and my high score is 712. I have recently obtained my first credit cards and I couldn't be happier with the outcome. The only thing I would have done differently is starting sooner. I fully understand the importance of good credit now and I also understand how powerful it is. Second Chance is exactly what I needed to jump start my life and without it I would probably be living on some beach in a tent. Barb has really taught me the true meaning of value, the value of money, the value of credit, and most importantly, the value of life.

Andrew Clauss
Scottsdale, AZ

My name is Eric Kinneman and I am a Mortgage Broker for Freestand Financial in Phoenix, AZ. I have been using 2nd Chance Credit's services for over 3 years now. I know now that only about 1-2% of Loan Officers can read credit correctly. I have become a credit GURU with the education from 2nd Chance Credit. Instead of passing up loans because they don't meet a specific credit score, I now provide a service to my clients that works outside of the box. This allows me to close a loan that would have been easily passed by, by an average Loan Officer, and become a hero which attracts many referrals. My income keeps increasing because I take the time to work with the "B" Paper clients. It may be a harder loan, but the profits are more generous. And the appreciation is more extended than someone in the "A" Paper world. I have a wonderful relationship with 2nd Chance Credit and would recommend their services to everyone in this industry who wants to close more loans. If you want to know how to reach that next level, than you want to familiarize yourself with 2nd Chance Credit and their services that they can provide.

Respectfully,
Eric Kinneman
Freestand Financial

Just wanted to say thanks for your great work on our credit. You made it possible for us to get to our equity. Our credit had dropped and with the help from Second Chance we were able to qualify for a 100% loan. And it only took 60 days. You saved our life...

Thanks again,
The Tounshendeaux's

My husband and I were shocked to find out how low our credit scores were. We were referred by Wells Fargo to get credit help from Second Chance. In 90 days our credit scores jumped 156Pts. We were able to buy a home with no money down. God Bless You!

Rosa Cassandra

We went though some hard times and finally file a bankruptcy 7. After a year from the discharge, we finally decided to apply for credit. We were in shock to find that our credit was still showing accounts in collection. We were sent to Second Chance Credit consulting for help, via 1st National Bank of Arizona. In less than 4 months our credit score increased over 100 points and not only was approved for a 100%, no money down, home loan but also an auto loan right after that at a great rate. If you have gone through a Bankruptcy, we highly recommend Second Chance. They were our salvation.

The Smith's

I was referred to Second Chance by Mark Sheck from 1st National Bank of Arizona. I was in the middle of having a home built and realized I could lose the home because my credit score was too low. I was devastated to think I could lose all of the $80,000 of existing equity. I called Barbara Solomon at Second Chance and in 60 days my score jumped high enough to get a 100% loan. This system they use is incredible.

Troy

As a loan officer I know how important credit is, and yet I didn't have the knowledge of how the scoring worked. I needed 20 points to get a great 4% loan. So I immediately contacted Barbara at Second Chance, she told me where to get the additional points and she was exactly right. I got the loan, and now I refer all of my clients to her. It is amazing how she can predict the score changes and understand how the calculations work.

I save loans and build a huge referral base from this service.

Thanks again,
Wells Fargo

Hi Barbara,

It's been such a pleasure working with you since January 02, not only have I enjoyed our friendship that has been built over the years from a business relationship but also your ethics and business practice. I have been very thankful for all you have done to get my client's scores back on top, sometimes 30 points and other times 100 points. You educate them, consult them for 2 full years and won't even take their money if you can't help them. Not too many people in this world are as honest as you and I know when I turn a client over to you that cannot get funded for a home or refinance their existing home, that you will be able to help that person in need.

You have always done as you have said and returned my client to me when their scores have improved for me to finish the loan process. As always I have referred clients to you year after year and I will continue to do so.

Thanking you for your contribution in helping the lives of others. If you ever need anything of me, please do not hesitate to call upon me.

Sincerely,
MJ Precopio
Sr. Loan Consultant
Western Horizon Mortgage
Phoenix, AZ

New Credit (Second Chance) has been one of the most effective business tools that I have ever used. I have been able to save loans that were not going to get accomplished anywhere else, and I have also been able to keep my pipeline full of loans that would have walked out the door otherwise. It is amazing to see the boost in my business as wave after wave of customers complete their credit repair and are ready to be financed. The secret to good credit repair is working with a knowledgeable professional that is honest, and knows the system. There are many imitators in the market that claim to have the ability to repair credit, but Second Chance has proven time and time again that they have the keys to successful credit repair. I owe much of my success as a loan originator to Second Chance (Nu Credit) and would highly recommend this program to any mortgage professional that wants to build their business and capture more loans.

Thanks!
Ryan Land
Home Credit Solutions
Wells Fargo Home Mortgage

Hello Barbara,

I just wanted to take a moment to tell you Thank You for all of your hard work in assisting my clients with repair of the credit. You have constantly performed at a high level and I and my clients are all the better for your efforts. Keep up the good work, and again, Thank You Very Much.

Sincerely and with Best Regards,
Kevin Prichard
Senior Loan Officer
Central Pacific Mortgage