WARNING:

Banks and Credit Card Companies Are
Robbing $1,200 a Month from you, Each and Every Month
This is $14,400 a Year!

Here's How to Take Your Money Back
and Show these Bankers You've Had Enough!

FR: Philip Tirone
RE: 14-Day Credit Challenge

Dear Friend,

I have no idea if we ever met, but I do know these two things about you:

    1. You are most likely being legally robbed by the banks

    2. Until you learn the rules, you will overpay for the rest of your life

If you have a mortgage, a car loan or owe money on your credit cards, i'm almost 100% certain that you're being robbed every month. The bank could be stealing $200, $500, or even as high much as $1,200 - every month like clockwork

All because your creditors unfairly charge you unconscionably high interest rates thanks to errors on your credit report or common mistakes you've made when managing your credit.

Get this: According to the Public Interest Research Group, 80 percent of Americans have errors in their credit reports. 80 percent! And 25% of those errors are bad enough to get you turned down for credit - even if you've never had a late payment or exceeded your credit limit.

In other words, you are being punished financially because of your creditors' mistakes. And they have no incentive to clean up their act because a black mark on your credit report simply means they make more money in your interest payments.

End the Rip-Off and Save Hundreds of Dollars Every Month

Naturally, your creditors want you to think there's nothing you can do about this rip-off ... other than pay their exorbitant rates and hope that someday you'll be able to pay off the debt.

But the fact is, there's plenty you can do right now to dramatically slash the interest rates you're paying on all your loans - guaranteed. And once you know how to do it, you'll be surprised at how easy it really is.

In my 14-Day Credit Challenge. I'll show you exactly how to start saving money, each and every month. In fact, if you don't save at least $1000 during the first year. I will give you all your money back.

During this 14-day challenge, I will reveal every secret I know about the credit industry and how to slash the amount of interest you pay to your creditors.

I'll tell you more about my new course in a moment. But first, let me introduce myself. My name is Philip Tirone and over the last 12 years I've become something of an expert on how anyone can improve their credit.

You see, it wasn't long ago that I was up to my eyeballs in debt and was being gouged by sky-high interest rates.

It was a dark time in my life that reached its pinnacle when I went to my bank one day and applied for overdraft protection. Imagine my embarrassment when the teller told me, "I'm sorry Mr. Tirone you're denied. You're credit score is too low." Too low for a $100 overdraft line of credit!

Too low for a $100 overdraft line of credit!

The Day My Life Turned Around

I was embarrassed and humiliated - and I was angry with myself for letting this happen. After all, I was a mortgage banker. I knew how important my credit score was. And I had plenty of clients who were paying hundreds of dollars a month extra on their mortgages because of their low credit scores. In fact, I suspected I was paying too much, as well.

So, I did some quick calculations and was shocked to discover that if I could just figure out a way to raise my credit score from 623 to 720, I'd be able to refinance my mortgage at a much lower rate and save $500 or more a month.

And, if I could do this with my mortgage, I could save even more by doing it with my car loan, and my credit card,. So, at that moment, I made a commitment to master my credit score and take control of my financial future.

A $500-per-Month Bonus

I began to picture all the things I could do with an extra $500 or $600 in my pocket every month. I could stop living paycheck to paycheck-I could go on vacations and not worry-I could start enjoying my life!

As a result, I became a student of credit and bought every book on the subject I could find. I spent hours and hours on the phone with my creditors, the credit bureaus, and credit experts. And I began using what I had learned to improve my credit score.

I discovered that one of the biggest problems with my credit report were simple errors that lowered my score - errors that were costing me hundreds of dollars every month. So I set out to fix those errors and to do anything else I could to improve my credit score.

I went through a lot of trial and error... wasted a lot of time on techniques that were worthless... and wasted even more time on techniques that only increased my score by a mere point or two. Eventually, however, I discovered the best ways to increase my credit score in big chunks:35,50,and even 100 points at a time.

And before I knew it, I had increased my score from 623 to 727. As a result:

	I immediately refinanced my mortgage at a much lower interest rate and saw my house payment drop by $500 a month, And this doesn't even take, my car or credit card payments into consideration
	I stopped living paycheck-to-paycheck.
	I began to qualify for lower interest rate loans (credit cards, car loans and home loans)

Suddenly, I was in charge of my financial future. And I felt a whole lot better about myself and was no longer embarrassed about my financial situation.

How Banks and Credit Card Companies Rip YOU Off

But, I was also angry about what my research had uncovered about the way our credit system works. For decades now, the banks and credit bureaus have been working together to confuse borrowers and to drive down credit scores so the banks can charge higher interest rates. And they are bound and determined to keep you in the dark about it. It's an absolute scandal.

For example, did you know...

	Every time you transfer a credit card balance to get a lower interest rate...
	Every time you respond to a pre-approved credit card offer...
	Every time you get a credit card that does not report the proper information to the credit bureaus (which happens 46% of the time)...
	And every time an error pops on your credit report...

...Your credit score drops AND you will likely pay a higher interest rate on all of your loans? Has your bank or credit card company ever mentioned any of that to you?

Of course not...

And then there's the immense chore of getting an error removed from your credit report. If you don't know exactly what to do, they make you jump through hoops, they never give you a straight answer, and they drag out the process for months on end.

How the Banks' Mistakes Put More Money in Their Pockets

Think about what a rip-off this is. Your bank reports erroneous information to the credit bureau... your credit score drops... your interest payments increase... and then you have to spend hours of your valuable time trying to fix their mistake.

And it's no wonder the banks don't do anything to stop this from happening. Banks and credit card companies make billions and billions of dollars every year off the interest they charge you. They don't want you to fix your mistakes because it will cost them money. And they've got the credit bureaus firmly in their pocket thanks to the millions of dollars they pay them every year for your credit information.

This system is costing you a small fortune. In fact, as I mentioned above, there's a good chance you're being robbed as much as $1,200 a month in unfair interest payments on your debts.

Let me give you a few examples of how unfair all this is:

Suppose you and a friend are both buying similar $300,000 homes in the same neighborhood. You both have the same job, the same income, the same amount of debt and the same 15% down payment. And neither of you has any late payments on your credit report.

However, for some unknown reason, your friend has a 720 credit score, while yours is 719. No big deal, right? Wrong!

Believe it or not, that single unexplained point difference means you have to get an FHA-guaranteed loan and pay an additional $4,500 in interest every single year for the life of your loan.

Does that sound fair to you?

Imagine you and a friend are buying the same car, you both have the same job, both of you have no late payments on your credit reports, however, your friend has a 720 credit score and you have a 659 credit score.

According to MyFICO's website - if your friend pays 6% for the car, you will pay 11.516%, all because your credit score is 61 points lower. That's $115 per month, and $6,900 extra in payments because of your credit score.

Does this sound fair to you?

Assume you had very bad credit four years ago, maybe due to a divorce, bankruptcy, or foreclosure. Since that event, you haven't been late one time on your credit. If this sounds like you, I hope you reestablished your credit the right way, because if you didn't and you bought a home for $300,000, you will overpay $589 per month on average, each and every month, until you sell the home.

Does this sound fair to you?

The good news is, you don't have to put up with this any more. There's finally something you can do to slash your monthly interest bill up to $1,200 a month - and to start putting all that money into your pocket instead of the banks'.

And it's easier than you might think once you know the secrets to fixing the errors on your credit report and to managing your credit in a way that increases your credit score.

You'll find those secrets in my 14-Day Credit Challenge - a unique program I've created that's jam-packed with critical strategies and secrets for taking back control of your future from the banks and credit card companies - all in 14 short days!

It's everything you need to fix your credit and slash your interest rates for good - guaranteed.

How much work is involved to making this program

	Right off the bat, you will learn why you may be overpaying on your credit card bills, even if you have never been late on any credit card payment in your life.
	You will learn the simple process to identify and fix key items on your credit report that could be costing you up to $500 or more per month.
	You'll understand the little known credit secret that allowed me to go from wasting money every month to saving money every month all because of the credit bureaus' rules.
	You'll discover the simple secret to identifying errors on your credit report and practically forcing the credit bureaus to remove them immediately.

All this and much, much more...

Frequently Asked Questions for the
14-Day Credit Challenge

Rather than going on and on about my system, about what it is, how it works, and why it is so important...I thought it would be best to answer the 9 questions I get asked the most. They are:

	What is the difference between this program and other credit repair and improvement programs?
	Click Here For The Answer Philip teaches the universal rules on credit, whereas credit repair companies try to clean up your credit with unscrupulous actions that are flat-out illegal. According to the FTC below, "Credit repair companies cannot deliver an improved credit report (score) using the tactics they promote. It's illegal." If you follow Philip's steps, you will get the results 100% of the time, which is why he offers a guarantee like no other. You don't need to worry about your past. If you follow Philip's system, you can have a 750 or 800 credit score much quicker and easier than if a credit repair company wastes your time trying to get late payments deleted from your credit report.
	How much work is involved to making this program work for me?
	Click Here For The Answer All you have to do is watch 14 videos, each of which is approximately 5 to 10 minutes long, and complete 5 to 10 minutes of homework. That's it. No drama. Nothing else.It's that simple.
	Will it work even if I have REALLY bad credit, as a result of a bankruptcy or foreclosure?
	Click Here For The Answer Absolutely! My system works for every credit situation, especially for people with a bankruptcy or foreclosure. In fact, this program is particularly important for people who have been through a bankruptcy or foreclosure. A bankruptcy will stay on your credit report for 10 years, and a foreclosure will stay on for 7 years. HOWEVER during the 14-Day Credit Challenge, you will learn how to improve your score to 720 in just two years. This is 5 to 6 years sooner than if you waited for the a bankruptcy to fall off your credit report. It's 4-5 years faster fora foreclosure!
	What is your guarantee?
	Click Here For The Answer Our guarantee is simple. If you do not save at least $1,000 in the first 12 months, you can have all your money back ' no questions asked! And from watching the 10,140 people who have been through my program, I am confident that you will save even more. And I'm willing to put my money where my mouth is! And don't forget'if you save $1,000 during the first year, you will save it again next year. In fact, you will probably save even more as your credit score continues to climb. If you save $300 a month, the typical savings, you will save $3,600 in just one year alone!
	How fast will I see my credit score go up?
	Click Here For The Answer With Philip's system, a person with a 650 credit score will increase their credit score to 750 or 800 quicker than a person with a 550 credit score. But no matter what, you will save money along the way! Saving money can occur each time you hit a credit milestone. The person with the 550 credit score can save money when their credit hits 620, 720, and 750. As your credit score improves, you can keep refinancing your debt to save even more money than the last.
	What if I have a specific credit question?
	Click Here For The Answer The first 50 people in each 14-Day Credit Challenge will receive invites to my LIVE question and answer session, where you can ask me your personal questions.
	Do I need to get my credit report before starting this program?
	Click Here For The Answer No, we prefer that you don't pull your credit report until you get my system. We do not want you to make the mistake of pulling your credit report from the wrong place, which can hurt your credit score. My system will teach you where to get the best credit report.
	Why is a 720 Credit Score so important as it relates to your program?
	Click Here For The Answer A 720 credit score is a number where banks will start to consider you a great borrower. Philip's system is called 7 Steps to a 720® Credit Score because a 720 credit score is the lowest number you need to ensure great rates. By following Philip's system your credit score will naturally be at 750, 775, or over 800, which is ideal to prevent an unforeseen event, such as a common error or identity theft from dropping your score below 720.
	What is your background and why are you uniquely qualified to improve my credit score?
	Click Here For The Answer I am passionate about spreading the information I discovered about credit because of my own personal journey. Before I created this system, I was turned down for credit and painfully living paycheck-to-paycheck all because Ididn't know the rules of credit. So, I became rigorous in learning what actions affected my credit score, and I used them to begin helping my clients save money on their mortgage loans, car loans, and credit card debt. Over the last 12 years, I have analyzed tens of thousands of credit reports, and I have< been quoted in the Wall Street Journal, Los Angeles Times, Washington Post, Business Week, and national television about credit. Most recently, traveled to Washington D.C. to meet with our country's lawmakers to make our credit laws fairer to consumers. I am unstoppable in my quest to bring transparency to the credit rules.

Success Stories for the 14-Day Credit Challenge

10,140 people have gone through my program and experienced great results. Following are some of their success stories...

FORD TO MERCEDEZ FOR ONLY $20 MORE PER MONTH! "In spite of a bankruptcy, my credit score went from 540 to 748. Once my credit score improved... I went to get a new car and got a brand new Mercedes Benz with a payment of only $20 more than my Ford." Jimi Akiboh Indianapolis, Indiana

DROPPED INTEREST RATE BY 4 PERCENT! "Since I acquired Phil's program and followed the steps, my wife and I got a car loan and knocked our interest rate down from 11 to 7 percent and saved us hundreds of dollars per month. Thanks Phil!." Brad Bertram Kaysville, Utah

SAVING OVER $1,000 PER MONTH - OLD CAR TO NEW CAR! "If it weren't for the Phil's system I'd still be renting an apartment and driving the old Honda. It would be a lot different financial situation for me. All things combined, I started to save over $1,000 per month after implementing the Phil's system." James Anderson Provo, Utah

SAVED $1,200 PER MONTH! "We followed Phil's advice and we were able to reduce our monthly payment by over $1,200 a month. It made life very, very manageable. It was the most important move I have made in the past 27 years." Bruce Gelber Pasadena, California

NOW A BELIEVER! "Prior to using Phil's system, I had tried everything from credit improvement companies to attorneys, and nothing worked for me. I followed Phil's system and my score jumped to 718. I couldn't believe it." Tim Michaels Los Angeles, California

$100,000 MORE EXPENSIVE HOUSE FOR ONLY $50 PER MONTH!!! "Once our credit jumped from 610 to over 720, we moved into a house that cost $100,000 more and our payments only went up by $50 per month!" Shawn and Karlee Bucher Kaysville, Utah

SAVED THOUSANDS WITH 7 STEPS "By using Phil's program, I saved thousands of dollars on my mortgage, car loan, and credit cards. What a phenomenal tool!" Lee Camblin Sandy, Utah

SINGLE MOTHER "Phil's system really opened my eyes. The book gave me concrete and easy to follow advice on how to turn things around. For that alone, it was worth the investment. But the thing that struck me is that Philip really cares. He doesn't just want more business. He genuinely wants to help people repair their credit, buy a home, and get the best rates. I only wish I lived in his area so he could be my mortgage broker." Sarah Baker Bozeman, Montana

What Experts and Advisors are Saying:

CREDIT IMPROVEMENT EXPERT "I've been in the credit improvement business for twenty years and I have benefited from Phil's challenge in improving my own credit." Allene Paige Sandy, Utah

PER CPA, SAVES PEOPLE MONEY! "I have clients that are just a few hundred dollars short per month in their finances. By following Phil's class, they are able to get a better rate on their car, home and credit card, which takes them from losing money each month, to saving money each month. It's the best investment a person can make." David Fenton CPA President, Fenton and Ross, Los Angeles, California

NEW YORK TIMES BESTSELLING AUTHOR "Due to Phil's program, we were able to secure a loan at an interest rate that was 0.5% lower than what I would have paid if I didn't follow Phil's system... which equated to about $400 per month." Douglas Andrew Paramount Financial, Salt Lake City, Utah

REINVENT YOURSELF FINANCIALLY WITH 7 STEPS "The 14-Day Credit Challenge is a clear and powerful process for reinventing oneself financially. It provides motivation for people trying to take control of their financial future. I would like to see all real estate agents read this book both for themselves and their clients." Floyd Wickman CSP, CPAE, Speakers Hall of Fame

UCLA SCHOOL OF BUSINESS AND MANAGEMENT PROFESSOR "After recommending Philip's program to my student and clients, I realized that I had to apply several of the steps myself!" Michael Fiorina UCLA School of Business and Management, Los Angeles, California

BLUEPRINT FOR MAKING MONEY - ACCORDING TO AGENT TO THE STARS "What's so fantastic about Philip's Program, is that it's a blueprint on how you can save a lot of money, each and every month." Christophe Choo Realtor, Beverly Hills, California

REAL ESTATE VETERAN "I've owned my company for 15 years, I've sold over $300,000,000 in Real Estate, I own my own mortgage company and I learned a lot by following Philip's Program." Anthony Marguleas Amalfi Estates, Los Angeles, California

USC PROFESSOR FOR BUSINESS OWNERS ADVISES, GET 7 STEPS! "Tirone's book is a good overview of protecting and correcting your own credit. Good credit should be guarded by all, especially entrepreneurs. Become and remain bankable!" William H. Crookston PhD, Professor of Entrepreneurship, University of Southern California

THE CORE SECRET TO MANAGING CREDIT SUCCESSFULLY "Managing your credit is one of the core secrets of success, which makes Philip's program the perfect resource for people who have great credit, bad credit, or no credit at all. Tirone's book teaches you everything you ever needed to know about credit." Jennifer Kushell Author of the New York Times bestseller Secrets of the Young & Successful

MAKING CLIENTS' DREAMS COME TRUE "As a realtor, I'm responsible for making my clients' dreams come true, and I couldn't do that without Philip's Program. Time and time again, the it to my clients the ability to qualify for the best home loans available. In fact, every homeowner, homebuyer, realtor, and mortgage broker in the country needs Philip's Program" Erik Flexner Coldwell Banker, Marina del Rey, California

Guarantee for the 14-Day Credit Challenge

My Perfect Credit Guarantee

If you don't save at least $1,000 within 12 months... By following my seven-step process... You get 100% of your money back... NO QUESTIONS ASKED. If you save $900 per year... If you save $700 per year... If you save $500 per year... If you save $300 per year... I give you full authority to return our package and get a 100% money back refund. NO QUESTIONS ASKED. On average, my clients raise their credit score by 187 points in 12 month... After 12 months, if your credit isn't EXACTLY where you want it to be... You can have all your money back... NO QUESTIONS ASKED

14-Day Credit Challenge Curriculum
(Next Session Starts Wednesday)

Included in Your Order: The 7 Steps to a 720 Credit Score Book (for reference with the videos) The 7 Steps "Guaranteed Results Toolkit" (for reference with the videos) The 7 Steps 'Practical Guidebook '(for reference with the Toolkit) The Entire 14-Part Credit Video Series And the following Bonus Items: 10 Biggest Credit Mistakes to Avoid booklet Managing Your Credit After a Financial Disaster booklet Your Teen's Credit booklet Live Monthly Q&A session for the first 50 orders Each Video is 5-10 minutes long and each video has 5-10 minutes of action items that need to be completed at the end of each video. Every week, one video will be delivered to your email inbox, for a MAXIMUM of 20 minutes of work each week.

Your 14-Week Program will cover the following: Why most credit scores are the wrong credit scores. Credit cards that hurt your credit score and credit cards that help your credit score. Stopping lenders that report the wrong information to credit bureaus. The positive and negative aspects of utilization rates How to negotiate with collection companies. The correct installment loans that raise your credit score. eestablishing your credit even after a bankruptcy, foreclosure, or short sell. Stopping identity theft. Marriage and credit - the right way to use credit jointly. Building credit from zero - for teens and foreign nationals. Removing tax liens and judgments.

Here's What You Get

This Package Includes™
The 7 Steps to a 720 Credit Score Book (for reference with the videos)
The 7 Steps "Guaranteed Results Toolkit" (for reference with the videos)
The 7 Steps "Practical Guidebook" (for reference with the Toolkit)
The Entire 14-Part Credit Video Series
And the following Bonus Items:
10 Biggest Credit Mistakes to Avoid booklet
Managing Your Credit After a Financial Disaster booklet
Your Teen's Credit booklet
Live Monthly Q&A session for the first 50 orders
Your Package Total:	$1,000
Option A - One Payment of $1000 Option B - Financing Plan (4 payments of $297)