I purchased a shelf corporation from this company back in October as part of a program to help establish business credit. TD Financial Products set up the shelf corporation but did nothing beyond that. I paid $6900 for the shelf corporation, $500 for a website and was billed $300 monthly for what I was told were fees to maintain webhosting, a virtual office and fax services. I later found out the monthly charges were a consulting fee. TDFP says they will obtain for you an 80 paydex score and three trade references. They say they will help you acquire K$200-K$250 in business credit, of which they get 5%. TDFP also says they will raise your personal credit score to 720. The contract states that if they cannot obtain for you three trade references they will refund your money. The last I spoke with Danny Garcia, one of the two co-owners, he said he had obtained for me two trade references and was working on a third. That was the last I heard anything from them. TDFP does not answer or return my phone calls or emails. I am filing a complaint with the Better Business Bureau. Beware of TD Financial Products and its business and personal credit consulting scams. These include BusinessCreditCoaches.com, BusinessConsultingCoaches.com, AddPositiveCredit.com, and Over720.com, which advertises nationally on the radio! DO NOT UNDER ANY CIRCUMSTANCES DO BUSINESS WITH THIS COMPANY!!!