Today’s Credit Solutions (TCS) is a leading provider of financial services. We specialize in credit report profile improvement, transaction management, data verification and protection. Our Credit Maximization formula provides transparency to the credit marketplace. The programmatic process per each element within the formula makes credit improvement easy to understand, more efficient and cost effective for our users. Our business model has two user groups that create positive network effects for eachother: Consumers are able to; access and monitor their 3 credit reports & scores; validate and protect personal information; restructure, improve and maximize credit report profiles & scores; prepare credit reports for financial and other credit related transactions; refine credit and financial intelligence; budget personal finances and increase disposable income. Affiliate business partners are able to; refer and manage client data more efficiently; improve customer retention; minimize risk; increase revenues across corporate structures.