Money Talks with Tye
Real Strategies. Real Approvals.
Get Your FREE Credit Analysis
Trying to buy a home, get approved for a car, improve your credit, or prepare for business funding? Your next move starts with understanding what is actually showing on your credit profile.
No judgment. No pressure. Just a clear look at where you stand and what may be holding you back.
- Home
- Auto
- Credit
- Funding
- Taxes
- Business
She kept it real with me and made the whole thing easy to follow. I walked away understanding my report and what to focus on next.
Damon P. · Queens, NY
We closed on our house in the spring. Tye showed us what the lender was going to see and what we needed to clean up first. That head start is what got us there.
Danielle R. · Atlanta, GA
I had a repo showing on two bureaus with different dates and balances. She caught it, I disputed it, and the inaccurate reporting came off. Wish I'd known to look years ago.
Marcus T. · Charlotte, NC
After my bankruptcy discharged, accounts were still reporting like they were open. Tye spotted every one of them on the tri-merge and I got them corrected.
Keisha B. · Jacksonville, FL
Got approved for my truck a few months after our call. I stopped guessing and actually worked the plan she laid out for me.
Andre W. · Atlanta, GA
I was trying to get funding for my shop and kept getting declined with no explanation. She pulled the report and the reason was right there in black and white.
Elena V. · Queens, NY
Client comments describe their individual experience. Results vary and are not typical. No score change, approval, or removal of accurate information is implied or guaranteed. Accurate, verifiable items cannot be removed from a credit report.
The keys. The car. The storefront.
Every one of them starts with what your credit report says about you.
How Many Points Does One Item Cost?
Pick an item, guess the damage, then see the typical range. Most people are shocked by the first one.
1. Pick an item
Illustrative educational ranges based on publicly reported scoring behavior. Actual impact depends on your full profile and scoring model, and varies widely from person to person. Nothing here estimates, predicts, or promises a score change, and accurate items cannot be removed from a credit report.
How It Works
- Step 1 — Tell Us Your GoalComplete the short form with basic contact information and the financial goal you are working toward.
- Step 2 — Access Your Tri-Merged Credit ReportUse Tye's IdentityIQ partner link to pull a tri-merged report that shows TransUnion, Experian, and Equifax side by side — so it's easy to review your accounts for inaccuracies and reporting differences across all three bureaus at once. It's just $1 for 7-day access, and you can cancel at any time — no-hassle cancellation.
- Step 3 — Receive Your Credit AnalysisAfter the required information is available, the credit profile will be reviewed and you will be contacted regarding findings and recommended next steps.
Spot the errors: can you find all three?
One account, three bureaus. Three things don't match. Look, then reveal.
| Field | TransUnion | Experian | Equifax |
|---|---|---|---|
| Account Type | Installment | Installment | Installment |
| Date Opened | 08/2018 | 08/2018 | 11/2018 |
| Balance | $5,153 | $5,153 | $5,153 |
| Past Due | $0 | $412 | $0 |
| Status | Current | Late 30 | Current |
Submitting the form alone does not complete the credit analysis. A current tri-merged credit report — TransUnion, Experian, and Equifax together — is what the review is based on, so your accounts can be checked for inaccuracies and reporting differences bureau to bureau. Access is $1 for 7 days through IdentityIQ, and you can cancel at any time with no-hassle cancellation.
What is a tri-merged report?
"Tri-merged" simply means three reports in one. Instead of pulling TransUnion, Experian, and Equifax separately and flipping back and forth, you see all three in the same view, line by line.
That matters because the bureaus don't always receive the same information. One may show a late payment the others don't, or a different balance, date, or account status. Those differences are the easiest places to spot a possible inaccuracy — and they only stand out when the three are lined up side by side.
IdentityIQ is a third-party credit-monitoring provider. Enrollment terms, pricing, trial periods, and cancellation requirements are determined by IdentityIQ and should be reviewed before enrollment. Money Talks with Tye and Southeast Business Solutions are not credit bureaus or lenders.
What You'll Learn
- Key negative itemsThe accounts and marks that may be weighing down your credit profile.
- Credit-utilization concernsHow much of your available credit you're using and why it matters.
- Recent late paymentsLate payments or derogatory activity showing on your reports.
- Financing readiness obstaclesPotential roadblocks that could affect how lenders see you.
- Recommended next stepsClear next moves based on the goal you're working toward.
The free analysis is an educational review of the consumer's current credit profile. It is not a promise of deletion, score improvement, financing, or approval.
This Is for You If You're Trying To…
What's Your Goal?
Tap the one that fits best. We'll fill it in on the form for you.
Start My Free Credit Analysis
Takes about a minute. No credit report upload, no Social Security number, and no account passwords — ever.
Why People Feel Comfortable Here
No pressure, no judgment, and no mystery about what happens with your information.
Your information stays private
What you submit is sent over a secure connection and used only to prepare and discuss your free credit analysis.
Never sold or traded
Your details are not sold, rented, or shared with third-party marketers. No spam lists.
You control the contact
Text reminders are opt-in only, and you can reply STOP at any time to stop receiving them.
A real business behind it
Money Talks with Tye is part of Southeast Business Solutions — a real person and a real company you can reach directly at hello@moneytalkswithtye.com.
Money Talks with Tye and Southeast Business Solutions are not credit bureaus, lenders, or a credit repair organization, and no specific results are promised. The free analysis is an educational review of what your report shows and what to focus on next.
Common Questions
The credit report step trips people up the most — here is exactly how it works.
Ready for the Next Step?
Your free credit analysis from Money Talks with Tye is provided at no cost. The three-bureau credit report is accessed separately through IdentityIQ, and its enrollment terms are set by IdentityIQ.
IdentityIQ is a third-party credit-monitoring provider. Enrollment terms, pricing, trial periods, and cancellation requirements are determined by IdentityIQ and should be reviewed before enrollment. Money Talks with Tye and Southeast Business Solutions are not credit bureaus or lenders.