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DROPPED INTEREST RATE BY 4 PERCENT!“Since I acquired the 7 StepS to a 720® Credit SCore and followed those steps, we got a car loan and knocked our interest rate down from 11 to 7 percent.— Brad Bertram, Kaysville, Utah

SAVED $2,600 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 $2,600 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

SAVED $2,500 PER MONTH!“As a result of the 7 StepS system, I ended up saving $2,500 per month.”— Tal Rabinowitz, Los Angeles, California

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, Los Angeles, California

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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, Los Angeles, California UCLA School of Business and Management

$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

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, Realtor, Beverly Hills, California / Sold over 450 Homes / In 2008 was one of 16 agents in Los Angeles to sell a home for over $20,000,000.

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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, Speakers Hall of Fame

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, Innovative Realtors, Marina del Rey, California

REFINANCED TO LOWER, FIXED RATE MORTGAGE“As a result of these simple steps, we raised our scores and secured a 30year fixed rate mortgage at 6.5 percent interest, and we were able to get some cash back to do home improvements. The new gas barbecue arrives next week, just in time for some summer grilling!” — Steve and Jennifer Goldstein, Los Angeles, California

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—Problem —Our Credit SCOring SyStem iSn’t Fair!

AS yOu Are AbOuT TO leArn, America’s credit-scoring system does not favor the American consumer.

And quite plainly, I’m sick of it.

I am writing this report because your three-digit credit score has a six-digit impact on your finances. literally, these three numbers can have a $100,000—or more—impact on your life. Imagine your 401(k) in ten years. Would you rather it have an extra $100,000? Or would you rather it have $100,000 less?

In this special report, you will see that your credit score determines one or the other.

Since 1997, I have looked at tens of thousands of credit reports. every day I meet with people like you who want to improve their life. Most of the time, they don’t think it has anything to do with their credit score.

but as you read this book, one thing will become abundantly clear: your credit score is the linchpin of your financial life. As well, it feeds into your marriage, family, and health. let me give you some examples.

yOur marriageabout 80 percent of divorced couples cite “financial •problems” as the leading cause of marital demise.1

1 Carr, Damon. (November 24, 2003). Until "debt" do us part: Don't let money destroy your marriage. The Dollar Stretcher, Inc. Retrieved May 21, 2004.

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yOur Family today’s financial problems are impacting the entire •family, including young children.2 according to a July 2007 report by the Center for Housing Policy in Washington, “working families that spend more than half their income on housing have less money available than other families to pay for health care and other crucial needs.” and why are they spending so much money on housing? their credit scores are too low to qualify for the best interest rates.

yOur HealtH

How healthy are you when your finances are strained? •When you don’t have money, you are likely to eat pro-cessed food, as opposed to fresh healthy food. What about your gym membership that you can no longer afford? do you have the peace of mind to find energy to go for a jog?

When you start to think about it, you probably realize that your credit score causes not only financial problems but also health, marital, and familial problems!

you are intelligent enough to know the importance of credit, but you probably aren’t aware enough to know that 79 percent of Americans have errors.

79 percent!

even worse, 25 percent of those errors are so bad that if you applied for credit today you would be turned down.3 That’s right—an error that you have no control over would cause you to lose a loan.

Consider for a moment how unfair this is. you might have been denied credit or given a high interest rate because of an error that shouldn’t be on your credit report in the first place.

2 http://www.usatoday.com/money/economy/housing/2008-07-08-children-foreclosure-homeless_N.htm3 2004 U.S. Public Interest Research Group Study - http://uspirg.org/uspirgnewsroom.asp?id2=13650

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even worse, 46 percent of Americans are missing at least one credit limit on their credit report.4 And guess what? your score takes a nosedive each time a limit is not reported.

As you read more and more about these statistics, you will see that aver-age Americans do not spend enough time on the most important factor impacting their finances—their credit score!

More than 100 million Americans5 are overpaying on their loans because of their credit scores, and they don’t even realize it. Americans just like you are overpaying tens of thousands of dollars per year!

What if you could increase your savings by $200, $400, even $1,000 each month just by improving your credit score?

Think it’s not possible? If you understand your credit score, it is! Just ask:

These people didn’t have poor credit because they missed payments; they had low credit scores because of the errors on their credit report!

4 2004 Federal Reserve Board Study – http://www.federalreserve.gov/pubs/bulletin/2004/summer04_credit.pdf5 Includes Americans with either no credit file or a file so thin that a standard score cannot be calculated.

Jim Garland of dulles, Virginia, who saves $300 per month

Tal rabinowiTzof los angles, California, who saves $2,500 per month

James andersonof Provo, Utah, who saves $1,000 per month

doUGlas andrew the New York Times bestselling author, who saves $400 per month

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According to MyFICO, a person with a 659 credit score versus a 720 credit score will pay an additional 5.516 percent in interest rate! This means that the person with the 720 credit score will get an interest rate of three percent while you, with only a 61-point difference, will pay an interest rate of 8.516 percent. On a $20,000 car loan, that means you pay an extra $1,103 per year, that’s an additional 16.54 percent on the car. In other words, it’s like paying $23,309 for a $20,000 car!

now is that fair? Of course not!

What about a home loan?

In today’s lending world, a person with a 720 credit score and a large down payment would likely qualify for a loan while a person with a 719 credit score might not, even if he has always paid his bills on time! literally, one point could make the difference between getting the home of your dreams and being turned down for a loan.

now is that fair? Of course not!

What you may not know is that points can easily be lost in an instant. you may be thinking that this will never apply to you because you pay all of your bills on time. Think again. your credit score can drop 20, 40, even 100 points in an instant simply by having an error added to your credit report!

Imagine all the millions and millions of Americans whose scores are just 61 points below 720 at 659—which is typically not considered bad credit. These people are treated as though they should flee the country. but in the blink of an eye, an error can cause your great credit to turn into subprime credit!

Keeping your credit score as close to perfect as it can be is critical to your financial well-being. you need a score of at least 720, as measured by Fair Isaac Corporation (FICO). The days of borrowing money without providing your ability to repay are over. If you can responsibly make payments, lenders will need to know this, and you should be prepared to prove this with at least a 720 credit score before heading to the bank.

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Start by downloading your credit report. Visit my website, .7ST720.. Here, you will fi nd ways to get your free credit report from the government and where you can pay to get your FICO score. Keep in mind that the government will provide you with a free copy of your credit report from each of the three credit bureaus once a year. If your credit report contains blemishes, start fi xing them before you shop for a loan by following my system 7 STEPS TO A 720® CREDIT SCORE.

“I have clients that are just a few hundred dollars short per month in their fi nances. By following7 STEPS TO A 720® CREDIT SCORE, they are able to get a better rate on their car, home and credit card, which take them from losing money each month to saving money each month. It’s the best investment a person can make.” — David Fenton, CPA, Los Angeles, California

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tHe 10 miStaKeS tO aVOid are:

1. not Knowing your Credit Score.

2. getting your Credit Score From the Wrong Place.

3. immediately Paying a Bill in Collections.

4. assuming you Have great Credit Because you Pay your Bills on time.

5. Failing to Pull your Credit report Because you think it Will Hurt your Score.

6. applying for Credit Jointly With your Spouse.

7. Waiting to improve your Credit.

8. Failing to Check for errors.

9. not Having a Plan.

10. Wiping your Hands Clean of Credit.

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m i S ta K e 1

not knowing your credit score.

regardleSS OF WHetHer yOu HaVe gOOd Or Bad Credit, nOt KnOWing yOur SCOre iS tHe WrOng mOVe.

Imagine that you wanted to buy the home across the street. you approached your neighbor, and he was willing to sell it to you on one condition. He would draw up the contract, but you would not have any input as to what went into the contract.

Forget about it—you wouldn’t give that home a second thought! Signing that con-tract would be crazy.

yet, you sign that contract each and every time you apply for a loan with-out knowing what your credit score is or what it means. If you don’t know what your credit score is, all the loans you have taken (car, home, and credit cards) contain terms you do not understand or endorse. let’s change that. by taking control of your credit score, you guarantee that the terms of your contracts are favorable!

afraid to Know your Score? I know poor credit can be embarrassing, which is why I wrote 7 StepS to

a 720® Credit SCore. like many people with credit or financial difficulties, you might have ignored your financial problems or, worse yet, simply waited for the blemishes to fall off your credit report, which generally takes seven years from the date it happens.

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Warning! burying your head in the sand will be the most costly mis-take you can make.

What you might not know is that no credit is as bad as poor credit, so if you are simply standing around, hoping that your credit problems will disap-pear in seven years, think again!

If you do not take proactive steps to build your credit now, you will be burdened with bad credit in five to seven years, even after your derogatory items fall off your report.

That is the last thing you need! If you have no credit, your score will be far below 720, and you will be throwing money away each and every month!

you might think you don’t need to know your credit score because you don’t have any debt. I hear this often.

but do you have car insurance? If you don’t, you are driving illegally, so I’ll assume you do. Most likely, if your credit score is below 720, then you are overpaying on your car insurance.

Do you plan on buying a home in the future? If you plan on getting a loan, you should start by building your credit report, which means you need to know your credit score.

Maybe you think you are a lost cause, but this couldn’t be further from the truth. Just ask Jimi Akiboh, whose score soared to 748 after a bankruptcy!

AFTER BANKRUPTCY — 748 CREDIT SCORE “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)

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Keep in mind, your poor financial record is not a sign of poor character. bad credit and financial woes happen to all types of people. That was in the past. let’s leave it there and start adopting proactive steps to take control of your financial future.

mark twain and Walt disney both claimed bankruptcy.

It starts by knowing your credit score, but be wary of Mistake #1.

always Pay your Bills on time? assume your Score is great?

Millions of Americans assume they have perfect credit because they pay their bills on time every month.

I wrote a speech—The $360 Billion Credit Dilemma—about the amount of money Americans throw away each year, in part because of errors they didn’t even know about. In my book, 7 StepS to a 720® Credit SCore, we take a look at all the high-priority errors that can sneak onto a person’s credit report.

For those with solid payment histories, the key to maintaining good credit is more than paying bills. because a high-priority error can cause your score to drop 100 points in an instant, you must make sure that these errors stay off your credit at all times!

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m i S ta K e 2

Getting your credit score from the wrong place.

One day, I ran my credit report and purchased my score from both www.annualcreditreport.com (the govern-ment’s credit reporting website) and one of the systems that lenders use. on that same day, the two reports showed a 31-point difference! If I had accepted the government’s score, I might not have known I needed to raise my score to qualify for the best interest rates, a mistake that could have cost me hundreds of dollars per month!

Obviously, you cannot take control of your financial life if you don’t know what your credit score is. It would be like electing a new president without counting the votes. It just won’t work!

beware of pulling your score from the Internet. Most of the time, you will not see the same score a lender will see. As you can see from my experi-ence above, buying your credit score from the wrong place can give you a false perception of your credit standing.

The credit-scoring world is a complicated one that is shrouded in mys-tery. In fact, your credit score will be different depending on who asks for your score and who reports your score. If a bank or credit card company asks for your score, it will see a very different number than if you ask for your own score.

This is because the primary credit reporting bureaus tailor the formula according to the person or company “pulling” the credit report. An automobile

— 15 —

company is more interested in your car payment history than your landlord will be. As such, the credit bureaus apply four different formulas depending on who is asking for your score:

The consumer formula is used if you request your own score. This score can be significantly higher than the FIco score, which is the score lend-ers and credit card companies use to decide whether to extend a home loan, credit card, or line of credit to you. Automobile loans are based on the auto formula, which determines whether a lender will grant an installment loan. Finally, the tenant formula is used by landlords considering whether they will rent to you.

For this reason, if you purchase your own credit score online, it will not be the same score seen by lenders. Instead, you will see your consumer score, which will likely be higher than the score lenders will see.

As I mentioned, your score also changes based on who is reporting it. The three major credit bureaus—Transunion, equifax, and experian—are responsible for monitoring credit activity and reporting credit scores. However, not all creditors provide information to each bureau, which is why scores vary from bureau to bureau.

In 7 StepS to a 720® Credit SCore, I direct consumers to the one place they can find their accurate FICO credit scores, and I explain which of these three scores the lender will consider when deciding whether to extend a loan or line of credit. Visit www.7StepsTo720.com for links that direct you to your FICO score and your free credit report, provided annually by the government.

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m i S ta K e 3

immediately paying a bill in collections.

StOP: dOn’t Pay tHat Bill in COlleCtiOn!

you might sensibly think that if you pay a bill that is in collection, your score will increase. unfortunately, that might not be the case. From a credit perspective, paying a bill that is in collection can be more damaging than not paying it.

As you will learn in 7 StepS to a 720® Credit SCore, your recent pay-ment history is far more important than your past payment history. In fact, col-lection accounts only minimally hurt your score after two years, and they are all but erased after four years.

unfortunately, each time you make a payment on a collection account, the payment renews the activity, damages your score, and restarts the seven-year period in which the item will remain on your credit report. In some states, payments restart the statute of limitations on when the creditor can sue you.

What’s worse, collection companies often encourage people to set up payment plans, even going so far as telling them that paying the bill in stages will help their credit score in the end. That is the furthest thing from the truth!

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I want to be clear: paying a bill in collection is always the right thing to do. It is your responsibility to pay your debts. But as I explain in Step 6 of 7 StepS to a 720® Credit SCore, you should negotiate before paying a bill in collection so that it will have the least impact on your credit score.

The key is to understand the rules before you pay anything. The fact that your score could go down if you paid a collection is proof that our credit laws are unfair and hardly transparent to consumers.

Bottom line: don’t pay that collection until you read Step 6 in my BooK and call the collection company to negotiate.

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m i S ta K e 4

assuming your have great credit because you pay your bills on time.

tHe reaSOn WHy i’m SO PaSSiOnate aBOut Credit iS BeCauSe i WaS OnCe denied Credit.

I’ll never forget that moment. I was in the bank when the teller asked me if I wanted to apply for overdraft protection.

“yes,” I responded.

“Great! We’ll run your credit report and be on our way,” she told me.

I’m sure I have good credit, I thought, the same thought many of you have likely had. I pay my bills on time and in full every single month.

but when the teller came back, she informed me that my credit score was too low. The overdraft protection was denied.

I asked for a copy of my credit report—which you should do anytime you are denied credit as the creditor must provide a free copy. What was I doing wrong?

sImply put, I Wasn’t playIng the game accordIng to the rules.

don’t make the same mistake I made. Assuming that great credit simply requires that you pay your bills on time is the biggest myth of the credit-scoring world. As 7 StepS to a 720® Credit SCore will teach you, 22 criteria are used to determine your credit score. unfortunately, many people simply do not understand the rules of the game, so they end up paying an extra $200, $400, even thousands of dollars per month!

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m i S ta K e 5

Failing to pull your credit report because you think it will hurt your score.

tHe numBer OF inquirieS FrOm CreditOrS intO yOur Credit SCOre aCCOuntS FOr aBOut

10 PerCent OF yOur Credit SCOre.

but guess how much impact the number of inquiries into your own credit score has?

A whopping 0 percent. Contrary to popular belief, you will not hurt your credit score by making inquiries into your own credit. you can pull your credit report every day for the next sixty days, and your score will not suffer from this one bit.

However, when a person applies for too much credit, your inquiry will hurt your score. Specifically, consumers are hurt when they apply for too many revolving credit cards, such as department stores, Visa, MasterCard, and the like. When applying for a home or car loan, you should be less con-cerned about inquiries. Per the credit rules, you have forty-five days to shop around for the best rate. Mortgage and car lenders can run your credit report as many times as necessary during this window, and the credit bureaus will count the inquiries as only one inquiry.

In short, InquIrIes are broken Into tWo categorIes: soFt and hard.

A soft inquiry is when you run your own credit or when someone else runs your credit score but is not planning on extending you a loan. For instance, if a landlord runs your credit report, your score will not be dinged. If your existing credit card company runs your credit report to determine whether to give you a lower interest rate, your score will not be dinged.

— 20 —

If a credit card company is conducting a credit check to determine whether they want to give you a new loan of credit, your score will be dinged due to this hard inquiry. A hard inquiry is added to your score anytime you apply for a car, home, or a new credit card.

Credit bureaus know you need to monitor your credit, so pulling your own report is considered responsible behavior. Do it freely!

rememBer, OF COurSe, tO get yOur Credit SCOre FrOm tHe One PlaCe guaranteed tO giVe yOu tHe Same SCOre a lender Will See (go to mistake #2).

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m i S ta K e 6

applying for credit jointly with your spouse.

iF yOu are a married COuPle, dO nOt aPPly FOr Credit JOintly.

I know how strange this may seem. However, applying for joint credit is a big mistake. Instead, married couples should strategically leverage each other’s credit.

Consider what is better: Two credit scores that both take a hit anytime a mistake is added to a report, or one credit score that suffers anytime a mis-take is added to a credit report.

there are a FeW vantage poInts to maIntaInIng separate credIt:

From a risk-protection perspective, establishing joint credit exposes you to your spouse’s financial behavior, a particular problem if for some unfortu-nate reason your marriage does not last.

— 22 —

From a strategic perspective, establishing separate credit can be a big advantage to a couple’s finances. If you are married and have maintained credit independence, you can leverage your spouse’s credit when necessary.

For instance, if you need a new line of credit and have a high utiliza-tion rate on a credit card, you can transfer a portion of your balance to your spouse’s credit cards. you can then walk into the loan application process with low personal debt and a higher-than-usual credit score. In other words, your spouse’s credit score might be sacrificed so that you can obtain the best interest rate.

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m i S ta K e 7

waiting to improve your credit.

many PeOPle dOn’t COnSider Credit WHen tHey are in tHeir early yearS.

They think, I’m not ready to buy a house yet, so why bother?

but remember that credit affects more than just your home loan. People with bad credit have high interest rates on their car loans and their credit cards—even their auto insurance premiums are higher in many states.

Some employers won’t consider hiring a candidate with a low credit score, and landlords are reluctant to approve an application for a tenant with poor credit.

Most importantly, the deeper a person’s credit roots, the more likely a score can bounce back from the financial difficulties and subsequent credit blemishes that occur when hardships arise.

Indeed, whenever possible I suggest that teenagers start building their credit while living at home with their parents. In this way, they can leave the nest well positioned for a world that judges them on a three-digit number.

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m i S ta K e 8

Failing to check for errors.

WHen i giVe SeminarS, tHiS iS tHe StatiStiC tHat SHOCKS PeOPle tHe mOSt:

a WHOPPing 79 PerCent OF PeOPle HaVe an errOr On tHeir Credit rePOrt.

This means that about eight out of ten people have an error on their credit report!

About 25 percent of those errors are serious enough to cause these peo-ple to be turned down for loans or jobs! And my experience confirms this. I have reviewed tens of thousands of credit reports, first as a mortgage broker, and then as a credit guru. I know that many people were turned down for home loans because of errors. If those errors had been removed, they would have been able to buy homes!

And countless others ended up paying a ton in extra interest.

hoW can thIs be FaIr?

In fact, one of my clients from los Angeles, Tal rabinowitz, saved over $2,500 per month once she removed all the errors from her credit report. The rate on her mortgage dropped by 5 percent once the errors were deleted.

The last thing you want to do is assume your credit report is accurate. Most likely, you have at least one mistake on your credit report, and if you don’t know, you probably will shortly.

but not all errors are high priority, and correcting them all can be a giant waste of your time. In Step 5 of 7 StepS to a 720® Credit SCore, I educate

— 25 —

readers on which errors are high priority (hurting your score), and which are low priority (having little effect on your score), and how to get them off your credit report. As well, we provide readers with access to all the forms, worksheets, and scripts they need to have these errors removed from their reports.

Whether you follow Step 5 or not, the first thing you need to do is get your credit report and look for any type of error.

Visit www.7StepsTo720.com, where we have links to companies that will supply your credit report.

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m i S ta K e 9

not having a plan.

in tHe BlinK OF an eye, yOur Credit SCOre Can CHange draStiCally.

Creditors are constantly reporting to the bureaus, and with the added threat of internet identity theft (the fastest growing crime in the world), someone else’s behavior might cause your score to come crashing down. So failing to create a plan for maintaining your score is among the biggest mistakes you can make.

Start By:

Pulling your credit report at least once every six months. •Schedule this into your calendar today, or it will likely be put on the backburner!

— 27 —

using the same name when applying for credit.•

Keeping your accounts active.•

Protecting your credit during and after a divorce.•

Creating a budget.•

if in debt, living like a rich person (that is, be frugal)!•

leveraging technology to increase and maintain your •score.

reviewing your credit card bills and bank statements •monthly.

reviewing the • 7 StepS regularly.

— 28 —

m i S ta K e 10

wiping your hands clean of credit.

many PeOPle WitH BanKruPtCieS, FOreClOSureS, Or OtHer maJOr delinquenCieS aVOid Credit altOgetHer.

Wiping your hands clean of credit is the worst thing you can do for your score. remember that no credit is as bad as poor credit. eventually, you will need credit, and by becoming a cash-only citizen you will prolong the period of time that your score is too

low to qualify for strong loans and credit terms.

If you have poor credit, you can, and should, apply for credit immediately.

even if you have had a bankruptcy today, by following my 7 StepS sys-tem you should have a 720 credit score seven to eight years sooner than if you simply wait for that bankruptcy to fall of your credit report.

— 29 —

Get your credit report immediately. Go to 1. WWW.7STEPSTO720.COM for the link.

Look at your credit report to see if you are making2. any of the 10 Mistakes.

If your credit score is under 720, try my program,3. 7 STEPS TO A 720® CREDIT SCORE, risk free. Visit WWW.7STEPSTO720.COM to purchase your copy.

“FRIEND” 4. Philip Tirone on and be part of free product give-a-ways.

Follow Philip Tirone on5. and keep up-to-date with cutting edge information.

Turn your success story into cash. Go to6. WWW.7STEPSTO720.COM for more information.

To Do List

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A FINAL THOUGHT

i KnoW that the cRedit scoRing WoRld can be confusing to say the least. Th at is why I’m so committed to getting this information out to the millions of Americans that are overpaying on their car, home, and credit cards each and every month.

Just like my program, 7 StepS to a 720® Credit SCore, this information is meant to empower you, so you can take control of your fi nancing once and for all. You credit score is the lynchpin that will change the way you think of your fi nancials forever!

Please email me at PHILIp@7StepsTo720.CoM with your comments or thoughts. Although I am unable to give personal credit advice, I would love to hear your thoughts, comments, and success stories!

Sincerely,

Philip Tirone, President7 Steps to 720, LLC

P.S. Make sure to visit us at WWW.7StepsTo720.CoM for our other great products, news and information.

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ABOUT THE AUTHOR

Recognized as a thought leadeR in the credit industry, Philip Tirone speaks nationwide on the problems with our credit scoring system and how it erroneously burdens America.

After closing $500 million in residential home financing, Philip became attentive to the thousands of dollars in extra interest payments being wasted by Americans because of their

credit scores. His mission is clear: educate Americans on how to increase their monthly disposable income without changing their lifestyle, simply by understanding the credit scoring process.

Realizing the strain this lack of credit transparency has on the American financial system, Philip has made a personal commitment to show con-sumers how to navigate our credit system until our credit laws are changed and are fair to consumers.

Philip’s book 7 StepS to a 720® Credit SCore, dispels the misconceptions around our credit-scoring system and guides consumers who are struggling with bankruptcy, foreclosure, short sale, divorce, and many other experiences that impact a person’s credit score.

Philip and his programs have been featured in the Los Angeles Times, Wall Street Journal, Woman’s World Magazine, San Francisco Chronicle, Bottom Line Magazine, and the New York Times bestseller “Secrets of the Young & Successful.” Additionally, Philip has been a frequent guest lecturer at UCLA Anderson School of Business and Management.

Philip currently resides in the Los Angeles area with his wife and three children.

— 32 —— 32 —

For InFormatIon on:

Additional life-changing products: www.7StepSto720.com

Speaking engagementsfor Philip Tirone:

www.philiptirone.com

Have a success story? Go to: www.7StepSto720.com

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10 Biggest credit Mistakes to avoid

Copyright © 2009 Philip TironeAll Rights Reserved.Published by 7 Steps to 720® LLC, a California Limited Liability Company

No part of this publication may be reproduced in any form by any electronic or mechanical means without the permission of the publisher, except by a reviewer who may quote brief passages in a review.

While the author and publisher have taken every precaution in preparing this booklet, the author and publisher assume no responsibility for errors or omissions, or for damages resulting from the use of the information con-tained herein.

Edited by Jocelyn Baker (www.JocelynBakerEditor.com)

Designed by Dotti Albertine (www.AlbertineBookDesign.com)

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