About Us

Here at Mysecondchance.net, we believe everyone deserves a second chance. We are not a one-time credit repair; we are a team of experts dedicated to helping you develop a healthier relationship with your credit and financial needs. We believe that our network of credit counselors, accountants, lawyers and affiliates; together working in unison is the best solution to get you financially where you desire to be. Our focus is on you, your current situation, and your determination to achieve financial happiness. We want to empower you to make a significant, long-lasting lifestyle change that can give you access to your financial dreams.

Our mission is to serve our client's needs with the highest integrity, confidentiality and professionalism while being personable. We strive to help create financial stability and security by assisting you to reach your goals with customized financial plans and structured. We provide strategies and look forward to partnering with you.


Credit Counseling

Let our team of credit experts here at MySecondChance.net help you improve your credit score by identifying any negative item on your credit report. We then challenge the inaccurate items to get the inaccurate items removed from your credit report.

Home Buyers Assistance

Here at MySecondChance.net, we have a team of mortgage brokers and real-estate agent who work directly with your credit counselor and the bank to get you approved!!! Let our expert brokers, who have over fifteen years of experience, help you purchase a home today.

Auto Loan Assistance

At MySecondChance.net, we have over fifty banks in our network that work directly with your MySecondChance.net representative. If you are having trouble buying a car we can help! Call us today and speak to one of our experts.

Tax Preparation

Buying a new home sometimes requires one to submit at least two years of Tax Returns. Taxes are a big part of financing. So here at MySecondChance.net, we feel that it’s extremely important to have tax experts in our professional network. Trying to buy a home or just need your taxes prepared; let our tax professionals help!


"Thank you Troy and you wonderful network of professionals so very much for all of your help in securing our loan for our new home here in Vallejo. You were organized & thorough & professional, as well as kind which made all of the difference in our interactions with you. We put our trust in you and you most definitely came through for us. Thank you for your patience as well as treating us as people rather than just home loan customers. You were a huge help and I couldn’t have done it without you." [Jamie Lynn]

"Thank you and your team at Mysecondchace.net. You did a wonderful job of helping raise my credit score! You moved it 51 points! My sole purpose was to get my credit rebuilt so that I could purchase a new car and with your help and the folks at Turn Key, I just purchased a 2010 BMW 550i. Thank you very much for your help. If I know of anyone whom I think could benefit from your services, I will definitely recommend you." [David Jennings]

"We thought Troy was very friendly and knowledgeable. He explained everything thoroughly and always called us back promptly, even after hours. We are very happy with Mysecondchance... We wouldn't hesitate to recommend Troy to others." [John Willington]

"I want to thank Mysecondchance.net for helping me repair my credit so I could purchase a car. Car shopping is a time consuming, stressful and will give you a headache for most folks. Our experience at Turn Key Motors through Mysecondchance.net was a major relief. The atmosphere is relaxed, with no pressure, yet very helpful and patient. I am a very skeptical buyer by nature and found that the cars offered at Turn Key Motors were the best value for my money and the staff is very pleasant to do business with. I strongly encourage every car shopper to at least visit Turn Key Motors and experience the friendly culture that their team has created. Thanks again Mysecondchance.net and your network for helping me with my credit as well as helping me buy a car." [Veronica Alvarez]

"I can honestly say Troy and Sam made my first home buying experience a very pleasant one. My credit score was a 554 before I call Troy and the credit experts at Mysecondchance helped me raise it to a 698. From our first conversation he explained each and every option that was available to me and I never felt pressured into any decision. My phone calls were handled in a professional and timely manner. All in all I really couldn't imagine my home buying process being any easier. Even now that the deal is done I would still feel 100% comfortable calling Troy and Sam with any questions. They extended their expertise beyond the scope of the business deal and I look forward to contacting Troy for my next home purchase. Thanks for everything Troy!" [Daniel Stevenson]