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Terry McCarthy was born in New York City and grew up in Breezy Point, writing songs as he wandered the winter beach. After surviving both a Catholic and public school education, Terry attended SUNY Purchase College where he received a BFA in Theater Arts, all the while knowing his first love and passion was music.
Terry formed his first band, Color Code while living in Park Slope, Brooklyn. By the time he moved to Hoboken, NJ, the band had become The Chance and was performing in local New Jersey clubs as well as established venues in New York City.
Terry formed his first band, Color Code while living in Park Slope, Brooklyn. By the time he moved to Hoboken, NJ, the band had become The Chance and was performing in local New Jersey clubs as well as established venues in New York City.