Blogs and Resources

Credit Hero Score: What It Is, How It’s Calculated, and Why It Might Look Different Than You Expect

June 16, 2025

If you’ve pulled your Credit Hero Score recently, you might assume it’s the same score a bank or credit card…

What Percentage of Young People (Age 18–24) Have Never Checked Their Credit Score? The Stats May Surprise You!

June 9, 2025

A credit score can impact where you live, how much you pay for a car, and whether you get approved…

How Do Loan Terms Affect the Cost of Credit?

June 3, 2025

When you take out a loan, it can be easy to focus on one number: the monthly payment. But there’s…

Get Credit Report and Check for Costly Mistakes

April 14, 2025

Your credit report is like a financial report card—it tells lenders, landlords, and even potential employers how responsible you are…

Credit Card Debt Lawyer: When Legal Help Is Needed

April 14, 2025

With credit card debt in the U.S. soaring past $1.2 trillion and interest rates hovering around 22.8%, millions of Americans…

How to Improve Your Credit Score With Simple and Smart Steps

April 14, 2025

Your credit score isn’t just a random number—it’s the key to unlocking better financial opportunities. Whether you’re applying for a…

What Is My Credit Score and How Can I Improve It

April 12, 2025

Your credit score is like a financial report card—it tells lenders, landlords, and even employers how responsible you are with…

How to Improve Your Credit Score in 5 Easy Steps

July 28, 2021

There are a variety of reasons why you’d want to improve your credit score. You could be getting ready to…

Feedback Please!

January 12, 2021

Of the 38,000 people who entered the $2,500 Amazon gift card giveaway, almost half said they would benefit from a…

720 Credit Score Program Redo – 2019

July 30, 2019

If you were previously enrolled in our program and would like to take it again, please fill out your information…

How to rebuild credit without a secured card

June 11, 2018

I just got a call from Nancy in Indiana. Her question was: “I’ve gone through the program and know that my…

Why opening new credit cards can help your score

October 12, 2017

Often, people with bad credit think they should wipe their hands clean of credit. They figure that if all those…

Survey says consumers still confused about credit-scoring

September 23, 2017

A survey from NerdWallet and Harris Poll found that many Americans do not know the rules of credit scoring. Here…

Average credit score hits all-time high

August 19, 2017

Here is some good news for borrowers: The Wall Street Journal reported that the average FICO score is at an…

Credit system changing July 1

August 5, 2017

As of July 1, tax liens and civil judgments will no longer impact a person’s credit score, as calculated by…

You never have to carry a balance

July 22, 2017

According to a survey from the financial website NerdWallet, nearly half of Americans (41 percent) think that a person has…

How credit impacts homeowner insurance

July 8, 2017

In many states, homeowners with fair credit pay about 36 percent more on their homeowner insurance rates than those with…

Removing a Bankruptcy From Your Credit Report

May 5, 2017

I host Question & Answer sessions for students who need help rebuilding their credit score. Removing a bankruptcy from a…

Errors After Bankruptcy

October 20, 2016

About 50% of our post-bankruptcy clients have an error on their credit report and with these errors, your credit score will not…

Credit Cards After Bankruptcy

October 20, 2016

The purpose of this blog post is to summarize Lesson 2 in our 7 Steps Program, which is the most important part of…

Pay attention to #4 if you are married

September 23, 2016

When it comes to the number of credit cards in your wallet, there is a sweet spot that will provide…

Why “cash-only” is for the birds

June 3, 2016

Here is a big myth: It’s better to be a cash-only citizen and shred all your credit cards. The truth…

Correct Errors To Rebuild Your Credit Score

May 5, 2016

The first step to rebuilding your credit is getting a copy of your credit report. Yes, I know that’s an…

New 720 Credit Score Program, Beta Testers

April 17, 2016

This program is now closed.

The Importance of Credit Card Balances and Active Credit Accounts

March 18, 2016

Why is your credit card balance important? Does it really matter? Should you use all your credit cards every month?…

What You Should Know Before Closing Credit Card Accounts

March 3, 2016

After learning the difference between traditional, secured, subprime, retail and major credit cards, you may want to close one or…

Bankruptcy: Should You Consider This Option?

February 19, 2016

When overwhelmed by debt, why should bankruptcy be a consideration for a temporary financial meltdown? It shouldn’t be considered if…

How Your Credit Score Affects Your Future Job Application

September 11, 2015

Do you have a job? If your answer is yes, great! There’s no need to worry about your credit score.…

One, Two or Three: How Many Credit Cards Should You Have?

August 14, 2015

There is great debate over the number of credit cards a person needs for the best possible credit score. Some…

How Does a Collection Affect Your Credit Report?

July 7, 2015

When a financial meltdown occurs, you may not have the ability to pay your bills on time. Depending on the…

Catherine S

19:14 17 Aug 21

I was so alone going thru bankruptcy and Phillip made me feel better. He felt my pain in a genuine manner and helped me tremendously!! I must admit I did falter a little a year ago but am back on track and my credit score is getting into the 700's. They are a great bunch....Phillip is wonderful. I recommend them highly.

Ron Ronnie C Catronio

15:01 03 Aug 21

Extremely helpful and thorough. This firm is OUTSTANDING. They care they c contribute and they are exceptional. 1000% recommend them.

Tammy S Catterton

16:29 17 Aug 21

I have awesome way to help with your credit score with Philip helping you. He a great speaker on it. He will do his best for your needs on your credit score

Laura Shepherd

14:43 03 Aug 21

Here is my Story : In 2009 I was late on my mortgage and over 50K in debt . My home was foreclosed on . I hung on trying to make payments on the cc debt to no avail. Over the next few years, I tried myself and also lost hundreds of dollars on companies that claimed to be able to clean up my credit they were no help at all . In 2012 , my wages were being garnished and I was getting calls and letters from collectors daily . I finally declared bankruptcy , my lawyer included membership in 720 Credit Score course. I followed it to the letter. I am now 10 yrs out and my current credit score is 750 + consistently , I have not had a late payment on a card or loan , I own my own home and 2 rental properties . My credit utilization is under 7% monthly and I have 6 months of emergency funds in the bank. My mortgage is under 3% and I bought a new car last year with 0% financing for 5 yearsPlease take this course it is the best thing you can do for yourself and your finances !!!!Thank you Mr.Tirone and 720CreditScore. com

Belinda Gladden

15:46 03 Aug 21

Awesomeness Program this has been the best of best decision l made to finally live the pursuit of happiness to towards better credit in the world, with excellence towards supporting help that' will come with great support from 720CreditScore.com.Thank you!Belinda

Dennis Dooge

15:43 08 Sep 21

The more I deal with them the more I'm impressed I am.I got a good deal with an outstanding staff and their idea of what a good business is.

Kim Peterson

16:41 09 Nov 21

This program helped me tremendously. After my bankruptcy was discharged, my attorney recommended and referred me to the program to get me started on the road to recovery after bankruptcy. I followed all the steps in the program and it’s not only helped my credit improve, but I’ve learned a lot about credit itself. It’s only been 8 months since my discharge, but my credit score has gone from 640 to 725 by following this program. I recommend this program to everyone, from those who went through bankruptcy to anyone who needs a lesson in credit management. Excellent program.

Terry Jordan

17:25 09 Nov 21

I truly am grateful to the program it has educated me on areas of credit I was not aware of in my 50 years of living. I would definitely recommend it to others to educate, and refresh others about credit worthiness.

Brent Dell

17:01 16 Nov 21

From the start, every contact was perfect, never put on hold, spoke with a very knowledgeable representative, they kept everything that is very intimidating to me very easy assuring me that it'll be ok. The app was so easy it was bullet proof.

Magen Boland

19:04 31 Oct 21

The things I have learned with this program have helped emensely! I raised my husband's credit score 87 points in less than 3 months and it just keeps going up. I have raised mine 70 points in the same amount of time. I have learned so much, and I'm so grateful! I highly recommend for anyone who is starting over, starting out, or just needs to learn the process of credit scores!

Ben Mansell

19:39 01 Feb 22

Awsome road map to building an excellent credit profile. I have been implementing the steps and following the advice and recently had my score go up 80 points !! I'm not done yet . I'm still on the the road map. It's easy to follow because it's all mapped out for you and it really works. You just need to be committed and stay the coarse . Thank you

Paul

20:13 07 Mar 22

If you really want to rebuild your credit with an easy steps to take that are actionable and deliver results, I highly recommend 720 Creditscore. It has transformed our lives, from cars, homes and all types of indirect savings by building a good credit score!

Kim Andrews

05:55 15 Dec 21

Excellent program, and if you know of anyone wanting to improve their credit score and get educated 720 is the place to go. Philip is very professional, caring and knowledgeable. Quick and efficient customer service and you get your money's worth. Highly recommend.

Elaine Gilmore (Red)

16:27 07 Feb 22

I like the way 720CreditScore works with me. They are kind and always have an open mind. Watching the zoom classes has giving me an "Up Beat" feeling. I have learned so much listening to other people who have or going through what I have. The introduction site got me starting to look at the way I use my money. Great lessons. Thank you so much.Elaine Gilmore

Theresa Grove

13:37 02 Mar 22

Great program I can't express how much this program has helped me if you follow the program you can't go wrong

Sharon Elle

20:13 05 Jan 23

After my bankruptcy was discharged, my lawyer included this amazing service to follow up with after and I’ve learned so much! I truly wish I knew about this service 10+ years ago! I’m already doing much better financially, thanks to this program and my credit score literally jumped 56 points within the first month. Highly recommend it!

Meredith Scott

11:04 03 Dec 22

Since, I've been in the program my score has gone up to over 700 in the last 12 months. I am very excited to continue working towards my goal of rebuilding my credit. Thanks to 720creditscore there's a light at the end of the tunnel.

Robin Sims

21:42 04 Oct 22

I have been busy working a lot because my rent went up. Although I can't thank my Lawyer Mr. Goff enough for not just helping me out but being understanding also. Nothing wrong with starting over. Thanks a million Mr. Goff

Emmett Hartsfield

08:44 16 Jan 23

Thought it was the end to ever owning again. I am not going to say it has easy, but it can happen. This course will help to get you back on the road.

Trish

03:56 30 Nov 22

Great tool to improve your financial wellness! The more you know, the better you become at managing your finances.

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