Member Financial Wellness

Credit is infrastructure.
We help you build it right.

A guided path from where your profile stands today to where your goals require it to be — through education, dispute resolution, and a strategy built around your file, not a template.

Get your credit analysis See how it works

Credit Score 560 ↑ 252 pts since joining

Utilization

9% ↓

Collections

0 open

Payment History

98% ↑

Funding Readiness

91 / 100

Equifax Experian TransUnion

The Transformation

An example,
not a promise.

An illustrative example of what a completed strategy cycle can address — not an average, and not a guarantee. Your file, your timeline, your results.

Credit Utilization

78%→12%

On-Time Payment History

61%→98%

Collections Accounts

4→0

Late Payment Marks

9→1

Funding Readiness

34→87

Example Results

What movement
can look like.

An illustrative example of score movement across bureaus — not an actual member report. Your timeline depends on your starting file.

Member tri-bureau credit score report showing scores across Equifax, TransUnion, and Experian with recent point gains

Illustrative example · three-bureau report +80 pts, one bureau

Member tri-bureau credit score report showing scores in the mid-600s across Equifax, TransUnion, and Experian with recent point gains

Illustrative example · three-bureau report +90 pts, one bureau

For illustration only — not an actual member file. Individual results vary based on each member's starting credit profile and history and are never typical or guaranteed.

Progress Tracking

Your file, tracked
every step of the way.

Every member gets a clear monthly progress report — score movement, open items, and what's next, explained in plain language, never a black box.

812 Exceptional

Example member snapshot

Open Accountshealthy

Collectionshealthy

Utilizationhealthy

Active Disputes2 in review

Funding Readinessstrong

Next Reviewscheduled

Aug 04

The Process

A strategy, not
a subscription to hope.

Six stages, the same for every member — because a repeatable process is what makes results predictable.

Discovery

We pull and review your full file across all three bureaus to understand exactly where you stand.

Analysis

Every account, inquiry, and mark is audited for accuracy, reporting errors, and dispute potential.

Strategy

You get a written plan — what's being challenged, what's being built, and a realistic timeline.

Disputes

Formal challenges are filed with bureaus and furnishers on inaccurate or unverifiable items.

Monthly Progress

You receive a monthly update as responses land, with plain-language notes on what changed and why.

Financial Growth

Once your file stabilizes, we shift to funding readiness — the accounts and habits lenders reward.

Why TMR

Built like a firm you'd
trust with a loan file.

Fully compliant, always

Every dispute and communication follows federal credit reporting law — nothing filed on your behalf that we wouldn't stand behind in writing.

FCRA & CROA aligned process

Real specialists

Your file is reviewed by a person, every cycle — not an automated template.

Transparent pricing

One flat membership fee. No surprise per-dispute charges.

Education first

Budgeting and credit-literacy resources built into every membership.

Funding preparation

Once your file is clean, we help position you for personal or business funding.

Personal & business funding paths

Membership

One membership.
Everything included.

TMR Elite Membership

$97/month

No enrollment fee. Cancel anytime.

Full three-bureau audit & ongoing monitoring
Unlimited disputes filed on your behalf
Monthly progress report, in plain language
Monthly strategist review & plain-language notes
Credit-literacy & budgeting resource library
Funding-readiness prep once your file stabilizes

Start your membership

$97/month, billed monthly, no enrollment fee. Membership can be canceled at any time and does not pause. Pricing is subject to change if a canceled membership is reactivated. Results vary by starting credit profile. See Member Agreement for full terms.

Questions

Everything you'd want
to ask, answered.

Yes. TMR reviews your credit file, disputes inaccurate or unverifiable items with the bureaus and furnishers on your behalf, and builds a funding-readiness strategy around your results — all under one membership fee. Because we provide credit repair services, we operate under the Credit Repair Organizations Act (CROA), which is also why you have a 3-business-day right to cancel with no penalty. Full terms are in your Member Agreement.

Most members see their first bureau responses within 30–45 days. Meaningful score movement depends heavily on your starting file, which is why your strategy is built after a full audit, not before.

No credit company can legally or honestly guarantee a specific number — anyone who does is worth being cautious of. What we do guarantee is a documented process, full transparency, and a monthly report where you see every action taken.

$97/month for as long as you're active — no enrollment fee, no per-dispute charges. That covers three-bureau monitoring, unlimited disputes, monthly strategist reviews, our education library, and funding-readiness prep. One flat rate, nothing itemized.

Yes, with no long-term contract. Membership can be canceled at any time, but it cannot be paused — canceling ends your file's active work. If you rejoin later, current pricing at the time of reactivation will apply, which may differ from your original rate.

Once collections and errors are addressed and utilization improves, many members become stronger funding candidates. We help prepare your file, though final approval always rests with the lender.

Credit is infrastructure.We help you build it right.

An example,not a promise.

What movementcan look like.

Your file, trackedevery step of the way.

A strategy, nota subscription to hope.