7 Steps to a 720 Credit Score was created by mortgage broker Philip Tirone in response to a critical need Philip saw in his industry: borrowers who would have paid their mortgage on time and in full were turned down for loans or, even worse, given loans with sky-high interest rates. In fact, borrowers with a $300,000 home loan paid as much as $212,040 extra in interest over the course of a 30-year loan.

This amounts to highway robbery. And, as the mortgage crisis taught us, these loans were simply unacceptable.

Now add in credit card debt, auto loans, and personal loans. Indeed, a personâ knowledge of building credit can mean the difference between financial stability and financial chaos.

7 Steps to a 720 Credit Score exposes the rules of the credit game, giving consumers all the information they need to know to increase their credit scores and save thousands of dollars over the course of their life. 7 Steps to a 720 Credit Score is a strategy that teaches you how to improve your credit score based on patterns of change Philip Tirone identified when he studied thousands and thousands of credit reports.

Philip Tirone interviewed credit card collection attorneys; studied the repossession, foreclosure, and bankruptcy facts; and devised a system to determine how credit cards can impact a credit score (he calls this a credit card score). All of this information has been used in his proprietary credit-education program to help 15,000 students transform their credit scores in 12 to 24 months.

Today, the 7 Steps to a 720 Credit Score system is also used by bankruptcy attorneys, CPAs, realtors, mortgage originators, bankers, and financial advisors nationwide to help consumers save money, reduce interest payments, and receive the best possible loan terms.