Blogs and Resources

Student Loan Insider Reveals The Shocking Changes Coming in 2026

December 30, 2025

In this episode of the 720 Credit Score podcast, consumer attorney Joshua Cohen breaks down what the new federal bill…

How Student Loans Affect Your Credit Score (What Insiders Know)

December 25, 2025

In this conversation, I sat down with student loan attorney Josh Cohen to talk through how student loans really affect…

Ex TransUnion VP Reveals the Credit Score Deception Behind 200-Point Swings

December 19, 2025

In this episode, I talk with Matt Komos of OGMA Risk and Analytics about why Credit Karma, FICO 10, and…

Buy Now Pay Later Is About to Crash Millions of Credit Scores: Insider Reveals Why

December 10, 2025

In this episode of the 720 Credit Score podcast, Phil talks with risk and analytics expert Matt Komos about how…

How Credit Bureaus Use Your Data Without Consent (Former TransUnion VP Reveals All)

December 5, 2025

In this episode of the 720 Credit Score podcast with former TransUnion VP Matt Komos, we explain where credit data…

Checkout When Should You Hire a Credit Card Debt Lawyer

Hospital Billing Insider Reveals How to Erase Medical Debt (And Save Your Credit Score)

November 27, 2025

In this episode of the 720 Credit Score podcast, special guest Jared Walker, founder & CEO of Dollar4.org, shared his…

From Unscorable to Mortgage Ready: Rebuild Fast After Bankruptcy

November 7, 2025

In this episode of the 720 Credit Score podcast, a homeowner discovers they are “unscorable” with three dashes and no…

How to Deal with Aggressive Collection Agencies

November 1, 2025

When collection calls start, panic does not help. In this conversation, Philip Tirone and bankruptcy attorney Dai Rosenblum share a…

Is Credit Evil… or Is a Credit Card Worth It?

October 24, 2025

In this episode of the 720 Credit Score Podcast, Philip Tirone and bankruptcy attorney Dai Rosenblum square off on a…

Shocked woman realizing challenges of being credit invisible with card

What Happens if You Are Credit Invisible?

October 3, 2025

Being “credit invisible” means that you don’t have any active credit accounts listed on your credit report, so your credit…

Comparison chart of credit builder loans versus credit builder programs. Loans hold payments in a locked savings account with money returned if paid in full, but missed payments hurt your score. Programs allow cancellation anytime without penalties, report to all three bureaus, and may include legal support and education.

What Is a Credit Builder Program, and How Does It Work?

September 20, 2025

I have spent decades teaching consumers and attorneys how credit really works. As the creator of 7 Steps to a…

What Does a Debt Collector Attorney Do—and Do You Need One?

Yes, You Can Get Free Legal Help for Identity Theft! Here’s How

September 11, 2025

By Philip Tirone When I first started helping people clean up their credit, I thought identity theft was something that…

Why You Need Three Credit Cards to Build a Strong Credit Score … and Which Type Works Best

September 9, 2025

By Philip Tirone Each month, I hold question-and-answer calls for the students in 7 Steps to a 720 Credit Score,…

Chart displaying the average weight of individuals, highlighting trends in credit utilization over time.

What’s the Ideal Credit Card Utilization Percentage for Good Credit?

August 20, 2025

By Philip Tirone One of the most important factors in determining your credit score is called your credit utilization ratio.…

What to Look for in a Credit Repair Course

August 12, 2025

What to Look for in a Credit Repair Course Quick Definitions: Don’t confuse a credit repair course with a credit…

Free Credit Repair: What Works, What’s a Scam, and What You Can Do Today

August 8, 2025

If you’re searching for free credit repair courses and tools, here’s the bottom line: You can repair your credit for…

A jar filled with money and coins labeled "don't," symbolizing financial caution in Chapter 7 bankruptcy.

How to Wipe Out Debt Permanently with Chapter 7 Bankruptcy: 15 FAQs That Could Change Your Life

August 4, 2025

What most people don’t realize is that Chapter 7 bankruptcy isn’t a last resort. It’s a legal solution built to…

Building Credit After a Bankruptcy

August 1, 2025

After studying tens of thousands of credit reports, helping over 200,000 people, and spending decades as a mortgage broker, I’ve…

Is Chase Credit Score Accurate? What You Need to Know

July 31, 2025

When I first started teaching people how to rebuild their credit almost three decades ago, one of the biggest sources…

What Age Group Has the Highest Percentage of Credit Scores 620 or Less?

July 30, 2025

One age group stands out with the highest percentage of credit scores 620 or less, and it’s probably not the…

What is a Good Credit Score for a College Student?

July 25, 2025

What Is a Good Credit Score? Most credit scores range from 300 to 850. Here’s how those numbers translate: If…

Does Overdraft Affect Credit Scores?

July 24, 2025

Do Overdrafts Affect Your Credit Score? You might’ve heard that checking account activity doesn’t show up on credit reports, but…

What Does a Debt Collector Attorney Do—and Do You Need One?

July 23, 2025

Do I Need a Debt-Collector Attorney? And If So, What Kind? When people use the term “debt collector attorney,” they…

Why Can It Be Beneficial to Increase Your Credit Score Before Buying a House?

July 19, 2025

How Credit Scores Impact Home Loans Lenders use your credit score to determine how risky it is to lend to…

How Much of a Home Loan Can I Get With a 650 Credit Score?

July 18, 2025

Yes, You Can Get a Home Loan With Fair Credit! A 720 credit score is not required to buy a…

Is the Sparrow Rewards Mastercard a Good Step Toward Rebuilding Credit After a Financial Meltdown?

July 12, 2025

Why Credit Cards Matter After a Financial Setback If you’ve gone through a tough financial time, the idea of opening…

Does Klarna Affect Your Credit Score?

July 12, 2025

What Is Klarna? Klarna is a financial technology company that gives shoppers flexible ways to pay over time. Rather than…

What a 677 Credit Score Really Means—And How to Level Up

July 9, 2025

Is 677 a Good Credit Score? A 677 credit score is just below the U.S. national average, which hovers around…

Does the Method for Calculating Credit Scores Seem Fair to You? Why or Why Not?

July 1, 2025

What Is the Method for Calculating Credit Scores? Before we can answer the big question—Does the method for calculating credit…

How Can I Improve My Credit Score Quickly?

July 1, 2025

More than 30 years ago, I started my career as a mortgage broker helping people make the biggest purchase of…

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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