The 6 Numbers That Decide Whether A Lender Says Yes

ATTENTION BUSINESS OWNERS WHO CAN'T GET FUNDED

Free guide: the exact framework I use to get business owners lender-ready before they ever apply — Book 1 of the Fundable 90-Day System. No shortcuts. No guessing. Just the first real step.

You've Probably Been Told These Before

The myths that keep business owners stuck — and the truth behind each one.

False Belief 01

“Credit repair doesn’t work.”

The dispute process is federal law — written into the Fair Credit Reporting Act. It isn’t magic, and it doesn’t reward blind faith. It rewards people who understand exactly what’s on their file, what’s inaccurate, and how to challenge it correctly.

False Belief 02

“A 740 score means I’m approved.”

Lenders don’t fund a number — they fund a profile. Account age, utilization, structure, history. Two people with the same score can get two very different answers. The question was never “what’s your score” — it’s what your full file shows a lender.

False Belief 03

“This gets fixed in days.”

The debt took months to build — undoing its weight on your report takes real documentation, real preparation, real time. Not a couple of fancy certified letters. Honest timelines up front are how trust gets built, not lost.

Here’s Just A Fraction Of What You’ll Discover Inside This Free GUIDE...

The 6 numbers that make a file "fundable" — what lenders actually evaluate when your application lands on their desk, and which of those numbers are working against you right now.
Why there are 3 separate credit bureaus — and why the same account can appear differently across Equifax, Experian, and TransUnion, which means pulling just one report is never enough.
How to read your own file against the target — the exact framework for benchmarking where you are today versus where you need to be to qualify for the funding level you're after.
Identifying which factor is actually hurting your score — and how quickly that specific factor can realistically move, so you stop guessing and start working the right problem.
And much more — this is the first book in the Fundable 90-Day System, designed to give you full situational awareness before you take a single action toward funding.

What Happens When The Work Gets Done

I started at a 411. That felt permanent — like something that couldn't actually change. What Teddy showed me was that the number wasn't the problem; the profile behind it was. Over the course of about a year, with real, uneven progress — some months faster than others — I got to over 700 and qualified for over $78,000 in funding. It wasn't a shortcut. It was actual work. And it worked.

— Jeannette, Client of The Ted Method

Hi, I'm Teddy — Founder of The Ted Method

Why I Built This

I went to prison at 18. I served 17 years. I came home at 35 with no credit history, no financial foundation, and no roadmap — just the understanding that if I was going to build anything real, I had to start where everyone starts: at zero. What I learned rebuilding from nothing is that credit isn't a score. It's leverage. It's the difference between asking someone else for a seat at the table and building your own. For me, getting fundable wasn't about impressing a lender — it was about freedom and legacy. That's what I teach. The Ted Method isn't a gimmick and it isn't a shortcut. It's the framework I wish had existed when I got out — taught by someone who actually had to use it.

Goal-based coaching, not score-chasing. We work backward from the funding amount you need, then build the profile that qualifies for it — not just the highest number we can produce.
A real fulfillment team, not a solo operation. Your file is worked by trained specialists — not outsourced to a generic service or handed off to software.
Direct personal involvement in every client file. I review the work. I know your situation. You are not a ticket number in a queue.

— Teddy Fletcher, Founder, The Ted Method

The First Move Costs You Nothing.

You can't fix what you can't see. Book 1 gives you the full picture — exactly what lenders look at, and where you stand against it — before you spend a dollar or fill out a single application.

No funding approvals or credit outcomes are guaranteed. Lender decisions and results vary based on your full profile, documentation, underwriting, and timing. The Ted Method provides education and procedural guidance only — not a loan, not a lender, and not a promise of capital. All work is conducted in compliance with applicable federal law.