Your 720 Credit Score: Credit-Building Tips the Banks Wish You Didn't Know

When it comes to getting a 720 credit score, the banks have a lot of secrets:

  • Some credit card companies and lending banks intentionally suppress your credit score.
  • When determining your creditworthiness, lenders consider a different score than the one you are given when you buy your credit score online. Find out how to get your hands on the right score!
  • Some late payments will not hurt your credit score.

Download this free ebook, and get insider information the banks don't want you to know about how to get a 720 credit score!

Do You Have a Bad Credit Score? Learn How to Build Credit

Are you living in survivor-land?

I can’t stop thinking about something my powerhouse friend Dave McLurg said…

(Dave has a brilliant business mind and is exceptional when it comes to strategizing so as to best leverage a business, offer, or a service.)

He said that people move in and out of three states-of-mind: survival, functional, and transformational.

He also said that while a person can move up the ladder, he or she can’t skip steps. So you can move from survival to functional, but you cannot move from survival to transformational.

If your state of mind is focused on surviving, you are thinking about basic needs, like putting food on the table. If you are in functional mode, you are thinking about getting the laundry done

so you have something clean to wear to work.

These two phases aren’t

very exciting, are they? In fact, “survivor-land” is downright depressing…

But the third area is… well, it’s transformational.

If you are in the third phase, you are considering where you want to go and how you can transform your life into something bigger and better.

This is where I want to spend most of my life.

Of course, we all live in “survivor-land” here and there, but if you are always focused on “just surviving,” you won’t be capable of focusing on transforming your life.

So if you want to limit the amount of time you spend in “survivor-land” and spend more time thinking about how to transform your life, you must find a way to quickly move up the ladder.

In other words, you must develop a method for getting out of “survivor-land” and into functional mode.

When I find myself focusing on the scarcity and “just trying to get by,” I ask myself a question…

What do I have to do next?

This way, I start taking action on things that need to get done. By taking action, I allow myself to stop being paralyzed by the fear of “getting by.”  For me, jumping into “action-mode” puts me in a state of mind that allows me to then shift gears and focus on my future.

For instance, if I’m going through the actions of getting my kids dressed (a functional activity), I can try to turn this function into a transformational moment. I can ask my kids: “What are you going to do today to make the day a great day?”

And then I can tell my kids what I’m going to do to make sure my own day is great.

How about you? How do you shift your focus from scarcity and surviving into transformation and thriving? Share your ideas below.

- Philip Tirone

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Lou Holtz has 3 questions for you…

These three questions are the “catch-all” questions for everything… for parenting your children, for handling your finances, for making professional deals. Before we get to buy cheap cialis online that, let me back up and tell you how I know Lou Holtz. One of my mentors is Harvey Mackay, author of five bestsellers, including Swim...

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A letter to my mom…

Dear Mom, When I think back to my childhood, one memory in particular still makes my eyes well up with tears… While other parents were driving Mercedes and BMW’s, you were driving the school bus. And you did it with a smile on your face! And work ethic isn’t the only thing you gave me....

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I messed up…

Sometimes, all you have to do is ask. This is one of the major themes of my credit course. If you want lower interest rates, if you want your banks and credit card companies to wipe away penalties or forgive some debt, sometimes… All you have to do is ask. But even though I teach...

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I’m a big failure…

It’s true. I’ve written about being a failure here. And guess what? My list of non-accomplishments grows longer and longer every year… So the following quote from cialis online no prescription President Theodore Roosevelt’s speech “Citizenship in a Republic” spoke to me. And because I know I’m not alone in stumbling a time or two,...

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How To Build Credit

Do you have a bad credit score? Knowing the ins and outs of how to build credit can mean the difference between financial woes and financial security. Knowing how to build credit can help you qualify for better loans and higher limits. Putting your bad credit score behind you can help you lower interest rates, reduce monthly payments, eliminate debt, and create wealth.

With this valuable knowledge about how to build credit, you can stop being one of the have nots and start being one of the haves. Do you have bad credit? Not anymore! Put your past behind you and build a great credit score today!

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Unfortunately, your banks won't tell you that certain credit cards will build your credit score while others will hurt your credit score. Do not make the costly mistake of applying for the wrong type of credit card! These credit cards are guaranteed to help build your credit score. Start by getting your FICO score, and then apply for the appropriate credit card:

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