We begin with an in-depth, no-obligation credit analysis. We focus on three key areas of your credit report:
- Credit Scores – the risk scores currently reported by Equifax, Trans Union, and Experian..
- Account History – line by line account of your borrowing and payment history.
- Inquiries – companies checking on your credit history.
During the analysis, we make special note of:
- Bankruptcies, repossessions, foreclosures, and collection accounts.
- Multiple same-type inquiries during any 30 day period.
- Duplication of identical trade lines.
- Late payments.
- Credit utilization – how much of your available credit you’re using.
- Any negative item over four years old.
- Violations of state and Federal statutes by creditors, debt collectors, or the credit bureaus.
- Tell-tale signs of identity theft.
After the analysis is completed, N-2 Focus Solutions™ will discuss with you in detail the results of your analysis and will provide specific recommendations on what can be done to improve your overall credit picture. A written report of your analysis can be provided via email and upon request at no charge. You will then decide whether or not you want N-2 Focus Solutions™ to represent you. If you do not, then you are under no obligation and owe us nothing for the in-depth credit analysis which has been performed. If you do, then we will send you two documents: CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW (a Federal Trade Commission document which explains your rights pertaining to credit repair and credit repair organizations) and our CLIENT SERVICES AGREEMENT (which explains our terms of service). A copy of CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW can be found in the "Your Rights" link of this website. CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW must be signed prior to signing our CLIENT SERVICES AGREEMENT. Three business days after these documents are signed and returned to us, your credit restoration will begin. Payment is not due until after services are performed. Our cancellation period is 14 days from the date the these documents are signed .
