If Second Look, Inc. shows up on your credit report, there’s a good chance an unpaid debt has been sent to collections. And while collection accounts can seriously hurt your credit score, there are ways to dispute and possibly remove them—especially if they’re inaccurate or unverifiable.
Who Is Second Look, Inc.?
Second Look, Inc. is a debt collection agency based in Hauppauge, New York. They collect on behalf of other companies rather than owning the debts themselves. If you see their name on your credit report, they’re likely trying to collect a debt you allegedly owe.
What Kind of Debts Does Second Look Collect?
Second Look, Inc. specializes in collecting complex insurance-related and subrogation debts. Their clients include companies in industries such as:
- Auto insurance
- Property insurance
- Workers’ compensation
- Disability and healthcare
- Subrogation purchasing and reverse subrogation
- Excess/surplus insurance
- UM/UIM (uninsured/underinsured motorist coverage)
These aren’t your typical credit card collections—it’s often tied to insurance claims, settlements, or liens.
Is Second Look, Inc. Legit?
Yes, Second Look, Inc. is a real debt collection agency. But that doesn’t mean every debt they report is accurate. Collections often involve outdated records or incorrect data, so it’s critical to confirm the debt before taking any action.
How to Remove Second Look From Your Credit Report
A collection account can stick to your credit report for up to seven years. But depending on your situation, you may be able to remove it sooner.
1. Dispute Any Inaccurate Information
Check the account details closely—look for errors in the balance, dates, or account status. If anything is wrong, file a dispute with the credit bureaus. They have 30 days to investigate and remove the item if they find it’s inaccurate.
2. Request Debt Validation
You have the right to request proof that the debt is yours. Send a debt validation letter to Second Look, Inc. They must provide documentation verifying the debt and their right to collect it. If they can’t, the account must be removed from your credit report.
3. Ask for a Pay-for-Delete Agreement
In some cases, you can offer to pay part or all of the debt in exchange for the account being deleted from your credit report. This agreement isn’t guaranteed, but some collectors will accept it—especially if the debt is older or less likely to be collected otherwise. Always get the terms in writing.
4. Work With a Credit Repair Company
If you’d prefer not to handle it yourself, a credit repair service can dispute negative items on your behalf. These professionals know how to challenge inaccurate or unverified debts and may get faster results.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Second Look, Inc.?
Before making any payments or speaking to the agency, confirm:
- The debt is valid and belongs to you
- It’s still legally collectible in your state
- The details are accurate and up to date
Paying a debt that’s past the statute of limitations could reset the clock, making it collectible again. Be sure you understand your rights before taking action.
Can Second Look Sue or Garnish Wages?
Yes, Second Look, Inc. has the legal right to sue for unpaid debts. If they win the case in court, they may be granted a judgment that allows them to:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
That said, lawsuits are usually a last resort. Most debt collectors would rather settle than go to court.
Second Look, Inc. Complaints
Second Look has received complaints through the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common issues include:
- Trying to collect on debts that aren’t owed
- Failing to verify debt after a request
- Reporting incorrect information to credit bureaus
- Repeated or harassing calls
If you’re being mistreated or your rights are being ignored, you can file a complaint directly with the CFPB.
Your Rights Under Federal Law
You’re protected by the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws make sure:
- You can dispute inaccurate credit report items
- You have the right to request validation of any debt
- Collectors can’t harass, lie, or threaten you
- They must clearly identify themselves as debt collectors
- They can’t threaten jail or legal action they don’t intend to pursue
Understanding your rights puts you in control—and gives you tools to fight back if your rights are violated.
Second Look, Inc. Contact Information
Address:
Second Look, Inc.
360 Motor Parkway, Suite 500
Hauppauge, NY 11788
Phone:
(877) 482-0004
Get Help Removing Second Look From Your Credit Report
Dealing with collections can be stressful—but you don’t have to face it alone. Credit Saint has helped thousands of people remove negative accounts, including those from Second Look, Inc. They also offer a 90-day money-back guarantee if you’re not satisfied with the outcome.
To get started with a free consultation, visit their website or call (855) 281-1510.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
