What We Offer
Services Designed to
Get You Approved
Whether you need to remove negative items, build lasting credit health, or close a loan fast — we have a service built for exactly where you are right now.
Our Services
Four Ways We Help You Win
Every service is built around one goal: getting your score where it needs to be so you can qualify for the home, car, or loan you deserve.
Remove what's holding you back
Typical Timeline
45–90 days depending on complexity
Credit Dispute Services
Inaccurate, outdated, or unverifiable items on your credit report can cost you thousands in higher interest rates — or a flat-out loan denial. Our dispute specialists identify every problem item and challenge them with all three major bureaus using federal consumer protection law.
What's Included
- Full 3-bureau credit report audit
- Personalized dispute letters for each item
- Collections, charge-offs & late payment disputes
- Identity theft & fraud item removal
- Monthly progress reports
- Unlimited disputes during your program
Build the score that lasts
Typical Timeline
Ongoing — most clients see major gains in 60–90 days
Credit Monitoring & Coaching
Removing negative items is only half the battle. Our coaching program teaches you the habits and strategies that build a strong, lasting credit profile — so your score keeps climbing long after our work together is done.
What's Included
- Monthly credit score tracking (all 3 bureaus)
- Bi-weekly 1-on-1 coaching sessions
- Credit utilization optimization strategy
- Authorized user & tradeline guidance
- New credit account recommendations
- Debt payoff sequencing plan
Your own TDY-branded card. Real credit history. Real results.
Typical Timeline
Score improvement visible within 90 days; graduation path to unsecured credit typically 12–18 months
TDY Secure Credit Builder Card Program
The TDY Secure Credit Builder Card is TDY's own branded secured card — issued exclusively to active TDY clients. Unlike generic secured cards, this program pairs the card with hands-on advisor support: we guide your utilization strategy, coach responsible payment habits, and track your progress across all three bureaus every month. Most clients see score improvement within 90 days.
What's Included
- TDY-branded secured card (existing clients only)
- Dedicated TDY advisor throughout the program
- Credit utilization coaching and optimization
- Monthly credit score tracking (all 3 bureaus)
- Identity and fraud protection guidance
- Graduation path to unsecured credit
Prepare with confidence. Move toward closing.
Typical Timeline
Timing varies by lender, bureau, and file complexity
Rapid Rescore Preparation & Lender Coordination
On a tight timeline for a mortgage or auto loan? Our Rapid Rescore Preparation & Lender Coordination service helps you organize the information your lender may need, review score-impacting updates, and coordinate next steps with your lending team. When eligible updates are reported, your lender can determine whether a rapid rescore is appropriate for your file.
What's Included
- Lender coordination and communication support
- Credit-file update preparation
- Score update when available
- Mortgage and auto loan timeline planning
- Pre-qualification score review
- Lender-ready documentation checklist
- Expedited consultation availability
Service Options
Choose the support that fits your goals
Start with a free consultation. There is no upfront payment; any service fees are explained in your written agreement before work begins.
Starter
No upfront payment
Service fees are disclosed in your written agreement before work begins.
- 1-bureau credit audit
- Up to 5 dispute items/mo
- Monthly progress report
- Email support
- Credit education resources
Professional
No upfront payment
Service fees are disclosed in your written agreement before work begins.
- 3-bureau credit audit
- Unlimited disputes
- Bi-weekly coaching sessions
- Credit utilization strategy
- Priority phone & email support
- Tradeline guidance
Rapid Rescore
No upfront payment
Service fees are disclosed in your written agreement before work begins.
- Score update when available
- Direct lender coordination
- Mortgage & auto specialist
- Pre-qualification optimization
- Lender-ready documentation
- Same-day consult available
TDY Credit Builder Card
Cardholder
TDY CLIENT
No upfront payment
For active TDY clients. Fees disclosed in your written agreement before work begins.
- TDY-branded secured card
- Dedicated TDY advisor
- Credit utilization coaching
- Monthly 3-bureau tracking
- Identity & fraud protection guidance
- Graduation path to unsecured credit
No payment is due upfront. Any service fees, timing, and cancellation terms are provided in your written agreement before work begins. Results vary by credit profile and circumstances.
Proudly Serving
Philadelphia & Surrounding Areas
Common Questions
Questions We Hear Every Day
Credit repair can feel complicated. Here are honest answers to the questions our clients ask most before getting started.
Ask Us Anything — No Upfront PaymentNot Sure Which Service Is Right for You?
Your free consultation includes a full credit review and a clear recommendation — no guesswork, no pressure.