The Credit Department, Inc., is the nation's first and only true credit management outsourcing firm. Based in Minnesota, TCD provides manufacturers, distributors, and service company organizations with significant cost-saving solutions in the areas of risk assessment, credit management, deduction resolution, and commercial collections.

Unlike its competitors, TCD brings strategic change and dynamic results our clients need in their sales to cash cycle.

TCD is not a credit placement firm, nor a collections agency. We're a team of specialized credit managers with exceptional credit management knowledge and extensive breadth of industry experience. TCD delivers its credit management services through its world-class technical capabilities seamlessly and securely integrated into our client's ERP systems.

TCD’s keen combination of people, processes and custom scorecard technology helps reduce our client's bad debt expense by 50 percent

Here are the top reasons why others have chosen The Credit Department, Inc. to handle their comprehensive and specific credit management needs.

1)  "The service helps us minimize bad debt write-offs."
2)  "TCD's risk analysis helps us understand our existing risks for every credit customer."
3)  "The expert analysis of largest risks helps us set appropriate terms and pricing."
4)  "TCD's custom credit scorecards reflect the level of risk we want to take, even as it changes with the market."
5)  "With the credit analysis services, we can focus collection efforts on high-risk customers, rather than looking at all risks in the same way."   6)  "The service is quick, accurate, and timely."
7)  "The analysis makes it easy to explain to Sales WHY the credit decision was made and what additional information is needed to increase the credit line.  Our internal team lacked credibility in their decisioning." 8)  "TCD Credit services provide for a consistent approach to setting credit lines."
9)  "The defined risk of default helps us compare one customer to another in quality of our receivables."
10)  "We can now accurately project bad debt reserves based on risk, not solely based on past experience which isn't helpful with a deteriorating economy."

Advantages to using TCD:

• Unwavering commitment to quality
• Proven, credible firm seasoned within the credit industry
• Superior price to performance value
• Solutions delivered to meet your complex and diverse needs
• Award-winning methods and sophisticated technology
• Adept to varying roles and flexible to diverse corporate cultures