Philip Tirone
Creator of 7 Steps to a 720 Credit Score
Philip Tirone is a former mortgage broker who saw how the credit system worked from the inside. He watched lenders evaluate risk, and he watched borrowers pay heavy interest that trapped them in cycles of debt.
Philip turned that knowledge into 7 Steps to a 720 Credit Score, a credit-education program for people who have faced a financial setback to rebuild their credit scores fast and ethically. He is also the host of the 720 Credit Score podcast.
At 720 Credit Score, Philip teaches the exact habits that cause a credit score to naturally increase — habits like opening the right mix of credit cards, keeping utilization low, and removing high-priority errors.
Philip’s students use these tools to qualify for better auto loans and mortgages, lower interest rates, and fresh financial momentum.
Philip Tirone, founder of 7 Steps to a 720 Credit Score
“When I start my career as a mortgage broker more than 30 years ago, I realize people are kept in the dark about how to change a credit score and, by extension, their financial future. I watched people with poor credit pay more in interest, even after a bankruptcy. This made no sense to me because I knew they weren’t in debt.
“Sadly, it also created a cycle of financial strain. Higher interest rates mean payments are higher, which increases the likelihood of missed payments.
“And no one teaches people to how to break this cycle. Banks earn billions every year in overdraft and late fees, and families carry the stress.
“After studying tens of thousands of credit reports, I walked away from mortgage lending and created 7 Steps to a 720 Credit Score to show people how to rebuild their credit score so credit could become their ally, not their adversary.”
—Philip Tirone, founder of 7 Steps to a 720 Credit Score
