WARNING:
Banks and Credit Card Companies Are
Robbing You Up to $1,200 a Month, Every Month
Up to $14,400 a Year!
Here's How to Take Your Money Back
and Show these Bankers You've Had Enough!
FR: Philip Tirone
RE: 7 Steps Excellent Credit
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, it's nearly 100% certain that you're being robbed up to $1,200 - every month like clockwork.
Over the course of 30 years that adds up to $432,000 - enough money to have a significant impact on your standard of living. And it's 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% of Americans have errors in their credit reports. 80%! 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 on the money they loan you.
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.
And in my Credit Power Pro course I'll show you exactly how to do it - by revealing every secret I know for understanding the credit industry and slashing 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 hawk 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!
The Day My Life Turned Around
I was embarrassed and humiliated - and 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 - because of a low credit score - were paying hundreds of dollars a month extra on their mortgages. 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, as well. 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
And 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 by 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:
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I immediately refinanced my mortgage at a much lower interest rate and saw my house payment drop by $500 a month, not including my car or credit card payments |
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I stopped living paycheck to paycheck |
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I began to qualify for lower interest rate loans (credit cards, car loans and home loans) |
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...
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Every time you transfer a credit card balance to get a lower interest rate... |
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Every time you respond to a pre-approved credit card offer... |
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Every time you get a credit card that does not report the proper information to the credit bureaus (which happens 46% of the time)... |
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And every time an error pops on your credit report... |
...it lowers your credit score AND makes it more likely you'll pay a higher interest rate on all of your loans? Has your bank or credit card company ever mentioned any of that to you?
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. 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, on average you will overpay $589 per month, 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 Credit Power Pro course - 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.
It's everything you need to fix your credit and slash your interest rates for good - guaranteed.
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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. |
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You will learn the simple, two week process to identify and fix key items on your credit report that could be costing you up to $500 or more per month. |
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You'll understand the little known credit scoring secret that allowed me to go from wasting money every month to saving money every month all because of the credit bureaus' rules. |
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You'll discover the simple secret to identifying errors on your credit report and practically forcing the credit bureaus to remove them immediately. |
Frequently Asked Questions for the
7 Steps to Exellent Credit System
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:
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What is the difference between this program and other credit repair and improvement programs? |
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How much work is involved to making this program work for me? |
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Will it work even if I have REALLY bad credit, as a result of a Bankruptcy or Foreclosure? |
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What is your guarantee? |
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How fast will I see my credit score go up? |
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What if I have a specific credit question? |
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Do I need to get my credit report before starting this program? |
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Why is a 720 Credit Score so important as it relates to your program? |
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What is Philip Tirone's background and why is he uniquely qualified to improve my credit score? |
Success Stories for the 7 Steps Excellent Credit System
I am very blessed and fortunate that tens of thousands of people have gone through my program and have experienced great results, and below is a sample of some of their success stories.
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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 |
DROPPED INTEREST RATE BY 4 PERCENT!"Since I acquired the 7 Steps to a 720 Credit Score and followed the steps, my wife and I got a car loan and knocked our interest rate down from 11 to 7 percent."
Brad Bertram |
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SAVING OVER $1,000 PER MONTH - OLD CAR TO NEW CAR!"If it weren't for the 7 Steps 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 7 Steps system."
James Anderson |
SAVED $1,200 PER MONTH!"We followed Phil's advice in 7 Steps to a 720 Credit Score 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 |
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NOW A BELIEVER!"Prior to using 7 Steps, 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 |
$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 |
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SAVED THOUSANDS WITH 7 STEPS"By increasing my score to 720, I saved thousands of dollars on my mortgage, car loan, and credit cards. What a phenomenal tool!"
Lee Camblin |
SINGLE MOTHER"7 Steps to a 720 Credit Score 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 |
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MAKING MONEY WITH 7 STEPS"I recently went to buy a car, and was told that my credit score was only 619. That's when I bought the 7 Steps to a 720 Credit Score System. I followed the 7 Steps and realized that I was one of the 80 percent of Americans that had an error on their credit report. I followed Phil's advice and in three months my credit score jumped to 741! I am now saving $300 per month on my mortgage since refinancing with my new credit score. I'm such a believer that now I'm selling the program off my own website so I can spread the word and earn additional income."
Jim Garland President |
REFINANCED TO LOWER - FIXED RATE MORTGAGE"As a result of these simple steps, we raised our scores and secured a 30 year fixed rate mortgage at 6.5 percent interest, and we were able to get some cash back to do home improvements. The new gas barbeque arrives next week, just in time for some summer grilling!"
Steve and Jennifer Goldstein |
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What Experts and Advisors are Saying:
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CREDIT IMPROVEMENT EXPERT"I've been in the credit improvement business for twenty years and I have benefited from 7 Steps to a 720 Credit Score in improving my own credit."
Allene Paige |
PER CPA, 7 STEPS SAVES PEOPLE MONEY!"I have clients that are just a few hundred dollars short per month in their finances. By following 7 Steps to a 720 Credit Score, 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 |
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NEW YORK TIMES BESTSELLING AUTHOR"Due to 7 Steps to a 720 Credit Score, 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 |
REINVENT YOURSELF FINANCIALLY WITH 7 STEPS"7 Steps to a 720 Credit Score 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, |
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UCLA SCHOOL OF BUSINESS AND MANAGEMENT PROFESSOR"After recommending 7 Steps to my student and clients, I realized that I had to apply several of the steps myself!"
Michael Fiorina |
BLUEPRINT FOR MAKING MONEY - ACCORDING TO AGENT TO THE STARS"What's so fantastic about the 7 Steps to 720 System, is that it's a blueprint on how you can save a lot of money, each and every month."
Christophe Choo |
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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 the 7 Steps system."
Anthony Marguleas |
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, |
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THE CORE SECRET TO MANAGING CREDIT SUCCESSFULLY"Managing your credit is one of the core secrets of success, which makes 7 Steps 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 |
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 the 7 Steps. Time and time again, the 7 Steps have given 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 a copy of 7 Steps to a 720 Credit Score!"
Erik Flexner |
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Guarantee for the 7 Steps Excellent Credit System
Not only am I giving you a full 30 days to try out the secrets and strategies found in my Credit Advantage system, but because I'm so convinced that if you keep and use my system, your credit score will increase... and I'm willing to PAY YOU $1,000 if it doesn't!!
My Ironclad Money Back Guarantee |
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I unconditionally guarantee that these secrets will save you a minimum of $300 in interest payments every single month. Furthermore, you'll quickly and easily remove errors from your credit report... and you'll know precisely how to manage your credit so you can achieve an increased credit score. If you don't feel my system lives up to this promise - or if you're unsatisfied for any reason whatsoever - then simply return the book, workbooks, CD's and DVD within 30 days and I'll immediately refund every penny you paid - no questions asked. |
7 Steps Excellent Credit Curriculum - Credit Power Pro
Each part of my system is designed to maximize your results with the least effort possible. Below is a complete summary of what you will be learning.
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Credit Basics
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Bankruptcy and Foreclosure Module
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Identity Theft Module
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Business Credit vs. Personal Credit
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Tax Liens and Judgments Module
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Marriage and Credit Module
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Building Your Teens Credit Module
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Bonus Gifts with The 7 Steps Excellent Credit System
As a "thank you" for taking action by saying "YES" to my Credit Advantage System today, you will also receive the following bonuses:
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Bonus #1: 1/1 Personalized Needs Analysis Session |
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Bonus #2: Companion Audio CD's |
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Bonus #3: The 10 Biggest Credit Mistakes |
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Fast Acting Bonus #4: Guaranteed Results Deluxe Toolkit (Book, Workbook, Guidebook, CD ROM, DVD)
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Here's What You Get
Credit Power Pro™ |
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| The Credit Power Pro Package Includes: | |||
| Credit Basics | $1497 | ||
| Bankruptcy and Foreclosure Module | $497 | ||
| Identity Theft Module | $497 | ||
| Business Credit vs. Personal Credit Module | $497 | ||
| Tax Liens and Judgments Module | $497 | ||
| Marriage and Credit Module | $497 | ||
| Building Your Teens Credit Module | $497 | ||
| These Bonus Gifts: | |||
| One on One Needs Analysis Call | $497 | ||
| Companion Audio CD's | $49 | ||
| 10 Biggest Mistakes Book | $30 | ||
| Guaranteed Results Deluxe Toolkit (Book, Workbook, Guidebook, CD-ROM and DVD) | $297 | ||
| Your Package Total: | $5,352 | ||
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