Banking Insider Reveals
Latest Credit Repair Secrets
If you lost your job, had your house foreclosed, and then went through a bankruptcy ... how long would it take you to achieve a 720+ credit score?
About 24 Months ... Sometimes Even Less!
Your credit score would be 720 in about 24 months. Sometimes as little as 18 months..
If that sounds too good to be true, it’s probably because you’ve been told horror stories perpetuated by banks. The banks intentionally spread misconceptions that keep people in the dark about repairing their credit.
Why? Because the longer your credit score is in the doghouse, the longer you will pay higher interest rates. So the banks intentionally don’t tell people how to repair their credit.
As a result, a lot of people think that the only thing they can do once they have been through a credit mishap is sit back and wait until the derogatory information falls off their credit report. They overpay on their existing loans and sit back and check off the days until the 7-year-mark(or, if they have been through a bankruptcy, the 10-year mark). They don’t take the proactive steps necessary to start rebuilding their credit from the start.
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And No Credit Is Just as Bad as Poor Credit
Some people even make the mistake of wiping their hands clean of credit entirely. They think that when that negative info falls off their report in 7 or 10 years, their scores will automatically jump. They are shocked when 12 or 14 years down the line, they still have a bad credit score.
You see, if you are someone who buries your head in the sand, the credit bureaus will never get new information about you.
So even though the negative information will eventually stop hurting your credit score, the credit bureaus consider no credit to be just as bad as poor credit. As a result, your credit score will never increase very much.
But I’m a Banking Insider, so I Learned the Truth
I have been in the banking industry since 1997, so I guess I’m what you would call a “banking insider.” (Though that sounds a little pretentious to my ears!)
Anyway, as a “banking insider,” I know exactly how to turn a lousy credit score into a great credit score. In fact, repairing a credit score is a lot easier and faster than most people think, even after a major financial or credit meltdown. You just need to know a few tricks.
The sad truth is that most of these tricks are reserved for the ultra-wealthy—you know ... the people you would never expect to have credit problems because they have more money than the entire city of Los Angeles combined.
When I first started in the industry, I ended up with a lot of these people as my clients. I lived in Los Angeles, and a lot of my clients were Hollywood executives, movie stars, and athletes who needed my help with their mortgages.
I was a little intimated by my client list, and then I learned something shocking.
And You Would Be Shocked, Too!
A lot of the times, celebrities and rich business execs have the worst credit out there. Many of them are so scattered in their personal affairs that they forget to pay their bills, which then get turned over for collections!
And here’s what shocked me even more... a lot of them get in way over their heads and end up declaring bankruptcy.
After they do, they rush to repair their credit scores as fast as humanly possible. They realize that fixing their credit score is one of the easiest ways to getting their financial life back.
Well, it was easy for them because even though they had declared bankruptcy, they still had access to money, so they could pay for all the insider secrets about credit repair.
But Most of Us Don’t Have that Kind of Money
I still do a lot of business helping the Hollywood execs and celebrities repair their credit, but something happened recently...
Earlier this year, I was talking to my aunt, who is well into her senior years. For a while now, she has been talking about retiring. But when I saw her last, she told me something crushing: She probably cannot afford to retire, and she is considering filing bankruptcy herself to make ends meet!
This made me angry because I specifically remember having my aunt ask me about all the unsolicited offers that arrived in her mailbox at the height of the housing boom. For a while there, she got two or three pre-approved credit card offers every week.
Then, when the economy went south because banks were making bad loans (which caused the whole economic mess in the first place), the banks went and cut my aunt’s credit limits.
This caused her credit score to drop, which meant her interest rates shot up...and suddenly her payments were more than she could afford.
So now she is stuck in this lousy position....
It’s Not Fair...
My aunt wants to rent a less-expensive apartment, but she worries about whether her credit is good enough. And if she ever wants to turn in her old car and buy a new one, she will pay at least 17.63 percent interest...
Now, a lot of people think that it’s hard to get credit when you already have bad credit, and that can be true, but most banks just love working with people with bad credit. Remember: they know that most people who have bad credit will overpay.
And not only is my poor aunt going to overpay on all of her loans, but her insurance rates are going to increase because of her low credit score. Most people don’t even know that happens, but it does...
It’s not fair, and as I was talking to my aunt, I realized that the people who most need help with their credit aren’t the Hollywood execs and celebrities. These people are going to be just fine. No bank is going to turn down a celebrity with a $1.5 million paycheck that arrives next month.
The people who most need help with their credit scores are people like my aunt...hardworking people who have been through tough times.
So What Are The Tricks to Repairing Credit?
Here’s the biggest thing you should know: Reestablishing your credit is critical.
It might seem contrary to what you’ve been told, but you should use your credit cards regularly. And if you don’t have credit cards, you should open some immediately.
I know this sounds crazy, but this is extremely important. I’m not saying I want you to get 15 credit cards and charge thousands of dollars monthly, which would just put you back to square one.
What I am saying is that you should keep your credit cards active by charging $10 or $15 to each card each month, and then paying the balance in full each month so you avoid interest. So you get a credit card, and you pay for your electricity bill or your gym membership using the credit card. And then you pay that balance immediately.
I don’t want you to get into debt, but I do want you to start using credit responsibly so the credit bureaus have new information about you.
You need to show them that you can handle credit responsibly. If you don’t show them anything new... your credit score will stay low.
Now... don’t just run out and start applying for the first credit cards that will accept you ... you have to get the right kind of credit cards that will help you build credit – believe me, all credit cards are not created equal!
I talk about the right kinds of credit cards during the 14-Day Credit Challenge, because some credit cards will hurt your score and some of them will help your credit score.
Meet Jimmy Achenbach from Indianapolis, Indiana. Jimmy followed my program, and here’s what he has to say about his life before going through my program:
“I was divorced, and bankrupt, and never thought I had a chance to get ahead financially again.”
Those are Jimmy’s own words.
He was divorced, just had a bankruptcy. He was really struggling. At the time, he was driving a 1994 Ford Mustang, and his interest rate was over 25%.
His credit was horrible and he couldn’t get ahead financially. Then he heard about our program. He completed the program, and his credit score shot from 593 to 735. That’s 142 points, all because he followed my program.
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Well, Jimmy’s 1994 Ford Mustang was a real clunker, and so he decided to apply for a car loan using his new credit score. He went from that 1994 Ford Mustang to a brand new Mercedes. And guess how much extra he paid?
$20 per month!
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See, Jimmy needed a new car, and he was able to upgrade from a 1994 Ford to a brand new Mercedes for almost the same money! If he had wanted to, he could have refinanced his Ford and saved $200 to $300 per month!
This is the power of rebuilding your credit!
“You Want Me to Apply for a Credit Card? Even Though My Credit Is Shot and I’m Going to Get a Terrible Interest Rate?”
I might be crazy (about ice cream), but I’m dead serious about applying for credit cards. Let me explain ...
A big part of your credit score is determined by three things related to credit cards:
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The Number of Credit Cards You Have |
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The Type of Credit Cards You Have |
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The Balance on Your Credit Cards |
Let’s start with the first factor: the number of credit cards ...
When it comes to applying for credit cards, always remember that three is the magic number. In the 14-Day Credit Challenge, you will learn why every person needs least three credit cards(and no more than five). .
But Make Sure You Get the Right Type of Cards!
The second factor that plays a HUGE part in determining your credit score is the type of credit you have.
Certain credit cards help your credit score, and certain credit cards hurt your credit score. In the 14-Day Credit Challenge, we go over this in detail.
Right now, I just want to briefly touch on one type of credit card that will always hurt your score.
Certain major credit card companies make a habit of reporting your limit incorrectly to the credit bureaus. Let’s say you have a $2,000 limit. These harmful credit card companies report that your limit is only $500.
If you carry one of these credit cards, your score will not improve as quickly as if you carry a credit card that does report the proper limit. In fact, your score might drop.
So how often do you think this happens? Well, there was a Federal Reserve Study recently that told us exactly how often credit card companies report the incorrect limit.
There’s a 46% Chance This Is Happening to You!
That’s right: 46% of credit card companies report the wrong limit, which means that almost half of the cards that you have in your wallet are probably hurting your credit score.
Adding insult to injury: These credit card companies are intentionally misreporting your limit!
This really makes me mad. You’ve already been through a difficult financial time and let’s face it … You are responsible for paying your bills, but a lot of the responsibility lies elsewhere, doesn’t it?
True, you got in over your head, but the banks and the lenders and even the government had a hand in that... I don’t want to get all worked up, but that’s the truth of the matter...
And now the banks—the same banks we bailed out with our taxpayer dollars—are intentionally reporting the wrong limit? How can you ever win?
Here’s the thing: If you sign up for a credit card that doesn’t report the proper limit, your score is going to drop. And the credit card companies are never going to tell you that they don’t report proper limits. Of course not.
Obviously, I go much deeper into this during the 14-Day Credit Challenge, but really quickly, I want to tell you why it hurts your score.
A big part of your score is the balance you carry as a percentage of your limit. If credit card companies are misreporting your limit, it throws your balance-to-limit ratio out of whack, and your score plummets.
Okay, so in my program, we cover how to fix this and get the proper limit reported.
Let Me Back Up ...
I know that I keep talking about how credit card companies and lenders often report the wrong information, so let me back up and explain why this happens ...
There are several reasons that mistakes get added to your credit report. Sometimes it’s in the bank’s best interest.
For instance, it’s in a bank’s best interest to report the wrong credit limit because doing so causes your credit score to drop. This means you are less likely to get a better credit card offer in the mail and switch credit cards. This is bad news for you, but it is good news for the credit card company.
And there’s another reason that mistakes are added to your credit report.
It’s a Nasty Secret
The credit card companies never check to make sure the information they report is accurate. The burden is on you. They can make a million mistakes, and you are the one who will spend time correcting these mistakes.
It really ticks me off, and I bet it ticks you off, too. Here is the reality... when you make a mistake with your credit – you pay more.
Here’s the kicker. When they make a mistake with your credit report... you pay more!
It’s a win/win for the banks... a lose/lose for you!
And mistakes happen all of the time. According to the United States Public Interest Research Group, 80% of people have an error on their credit report.
80%!
To make matters worse, according to the same survey, 25% of the errors are so bad that if you apply for credit or a job, you'd be turned down today. You'd be turned down because of the error.
“So What? My Credit Report Is Already a Mess.”
Now, I know that if you have poor credit, you are probably thinking: So what? I’ve got 27 late payments, four collections, maybe a repossession or foreclosure on my credit report, for crying out loud! What do I care if there’s one or two mistakes?
Well, here’s the truth: People who have bad credit typically have more errors than people who have clean credit. If the average person has an 80% chance that they have an error, people who have poor credit have almost a 100 percent chance of having an error. This is because messy credit reports are hard to track, and because almost always, items that are sold to collection houses are reported wrongly or are reported multiple times.
This is bad news. If an error creeps onto your credit report when you are starting to repair your credit you are going to be in a world of hurt.
You see, your credit score is already fragile after having those negative marks on your credit…
And as you work hard to show the credit bureaus that you have turned over a new leaf, the credit bureaus are going to be cautious.
Your score will start inching up, but the bureaus are going to look for any suspicious behavior.
But if high-priority errors creeps onto your credit report... WHAM!
Your score is going to drop like a lead balloon.
If you have poor credit, the credit bureaus won’t take any chances with you. So you want to be on the lookout for errors and correct them immediately.
Now, let me be really clear. I don’t want you to spend all sorts of time cleaning up every single error on your credit report. That’s a waste of your time.
In my 14-Day Credit Challenge, I talk about the difference between high priority errors and low priority errors. Low priority errors impact your credit score one or two or five points. I don’t want you to waste your time fixing the low priority errors, just fix the high priority errors.
High priority errors impact your credit scores 50, 100, 150 points, especially if you have fragile credit . Like I said, the credit bureaus have an eye on you ...
They will allow your score to increase, so long as you appear to be behaving responsibly, but they don’t give warnings to people who don’t have “deep roots”. If your credit report reflects anything that indicates you are in trouble financially, your score is going to tank immediately.
So what are the high-priority errors you should look out for? They include collections accounts, derogatory information like late payments that don’t belong to you, incorrect credit limits, or signs you might be a victim of identity theft, like an incorrect SS#, or address.
And, of course, if you have been through a bankruptcy, make sure your credit report reflects all the debt that was discharged during your bankruptcy.
See, what I teach in my program is that if you focus on correcting high priority errors, and not all errors, you will position your credit score so that it can be as high as possible.
Remember, your score is already fragile. You cannot let a high priority error ride on your report. It could cost you thousands of dollars a year.
The Cold, Hard Numbers of Poor Credit
So what does this all mean in dollar amounts? If you start working on your credit now, where will it be in 30, 90, 365 days?
You already know that your credit score is a big deal. It’s basically your financial reputation with the banks.
And these days, it’s not just your financial reputation that is at stake.
According to the Inc. Magazine, 61% of employers are running a person’s credit report before they hire the person... with unemployment at an all time high and with bankruptcy and foreclosure so prevalent... this is a BIG problem.
Okay, let’s talk actual dollars.
Pretend you and a friend were going to buy identical houses that cost exactly the same in the same neighborhood. Both of you have the same job, same debt, same everything, both of you have no late payments on your credit, but you have a 719 credit score and your friend has a 720.
So that’s only one point between your credit score and your friend’s credit score.
Assume you both wanted to buy a $300,000 home and you were both going to put 15 percent down. Well, you can both get a loan – but you won’t qualify for a conventional loan because of that one-point difference.
Instead, you will qualify for a loan that has higher fees, called an FHA loan. Because of this one point difference in your credit score... how much do you think you will pay?
Just One On Your Credit Score Is Equivalent to $4,500.
How crazy is that? Because your score is 719 instead of 720, you will pay an extra $4500 on your loan.
Of course, if you are reading this, you probably don’t have a 719 credit score, much less a 720 credit score. Here’s an example that is more relevant to your situation right now. ...
Let’s assume you have been through some sort of financial or credit chaos four years ago
Well, four years have passed since your financial meltdown, and since then, you haven’t been late one time... But, you didn’t take the steps necessary to rebuild your credit score, so unfortunately, it’s still low.
If you buy a $300,000 home, on average, you will overpay $589 per moth each and every month, until you sell the home. If this is a conventional 30-year loan, this means you are going to overpay by $212,000!
And this doesn’t include what you pay on your car or credit cards.
What if You Buy a Car?
Assume you and a friend wanted to buy the same exact car, both of you have the same income, both of you have no late payments on their credit.
But your friend has a 720 credit score, and you have a 589 credit score.
According to MyFico’s website, you would pay 17.52% in interest, and your friend would pay just 6%.
You would pay 11.52% more because of a 131-point difference in your credit score!
That would cost you an additional $192 per month.
I think I’ve made my point, so let me now talk about you specifically ...
What Does the Future Hold for You?
Like I said, if you implement the steps of my 14-Day Credit Challenge, you can have a 720+ credit score in just 18 months...perhaps even sooner, depending on where your credit score is.
This means that in the future, you will:
- Be living in a new house, instead of renting.
- Drive a new car, instead of a clunker – for the same price.
- Put money into savings each month, instead of living paycheck to paycheck.
How Do I Know This?
If you reestablish your credit from the beginning, your score will increase 100 percent of the time.
If you have the right number of credit cards, your score will increase 100% of the time.
If you get the right type of credit cards, your score will increase 100% of the time.
If you get high priority errors off your credit report, your score will increase 100% of the time.
This Isn’t Credit Repair
You see, this is not a credit repair program. Let me explain what I mean ...
A credit repair company would try to remove all the negative information.
The problem is that the credit-reporting bureaus aren’t stupid. They have seen all the tricks, and they are protected by laws that make it illegal to remove information that is legitimate.
So the “bad stuff” will eventually rear its ugly head if it’s legitimate. Credit repair companies might suppress information for a while, but they usually have only temporary “success,” if you could call it success.
Basically, they dispute information, and while the credit bureaus look into the dispute, some of the information is suppressed. But it’s suppressed for only a month or two—long enough for the credit repair company to cash your check.
Then the information reappears when the credit-reporting bureau verifies its accuracy.
Bottom line... there is no way a credit repair company can get legitimate info off your report. In fact, it’s illegal to attempt to do so.
My system teaches you the behaviors that will naturally cause your score to increase, even with the “bad stuff” on your report. The 14-Day Credit Challenge takes a look at the reality of the situation, and it shows you how to improve your score to 720 within these parameters.
How Much Money This Really Means
Okay, so let’s put into perspective how much money I’m taking about here....
After talking and working with tens of thousand of people, I know the average person saves around $302 per month by learning how to stop overpaying their bank.
Based on your specific financial situation and what you have learned. Imagine that you do nothing to rebuild your credit. You just go about your business as usual, and you let the cards fall as they may.
How much do you think you will overpay each month on your car insurance, car loan, credit cards, and other loans because of your low credit score?
If you think you will overpay by $100 a month, this is the equivalent of $12,000 over the next decade.
And here’s a chart that shows how much you’ll end up spending if you overpay even more.
| If you overpay this amount each month... | You will overpay this amount during the next decade... |
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| $200 | $24,000 |
| $300 | $36,000 |
| $400 | $48,000 |
| $500 | $60,000 |
| $750 | $90,000 |
| $1000 | $120,000 |
Do You Really Want to Lose This Money? And What Else Could You Do With It?
What would you put that money towards right now, if you had it? A better place to live? Would you put more money in the bank? Go on more vacations? Pay off other debt? Help others in need?
Wouldn’t it be nice to do what you want to do with the money... instead of just giving it to the banks?
What is the 14-Day Credit Challenge?
The 14-Day Credit Challenge is for people who are stressed about money, concerned about their credit, and are worried about getting the best loan terms.
Let me tell you who it’s not for. It’s not for people who want a big complicated system with tons of homework and a lot of reading assignments. I value simplicity, so this program asks people to devote only about 20 minutes a week to taking simple but powerful action steps. Even if you have a 400 credit score, you will end up putting somewhere between $100 and $1,000 a month back into your pocket after you have been through this 14-week course. It’s that simple.
Okay, let me give you the details of the program:
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You will receive 14 videos, one video a week for 14 weeks. |
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Each video is only 5 to 10 minutes long. |
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Each video will require about 5 to 10 minutes of action steps. |
The 14-Day Credit Challenge is made up of 14 individual instructional videos that are delivered to you once per week, for 14 weeks. The tutorials are no more than ten minutes, and you’ll spend about another ten minutes implementing the secret tricks to raise your credit score fast, and in turn, save hundreds of dollars per month.
When you join, you will also get my 7 Steps to a 720 Credit Score book and 7 Steps Guidebook, complete with 25 proprietary letters and packed with the forms, scripts, and worksheets you’ll need to increase your score.
Now, if you want to read the book, go for it. But this is not required.
The book and the guidebook are references guides for the 14-Day Challenge. Some weeks, I’ll assign a few pages, and other weeks, I won’t assign any reading. I’ll tell you exactly when and how to use the forms. In other words, I’ll make it as easy as possible on you.
And We Are Getting Started Right Away!
From an administrative standpoint, it’s a lot easier if everyone goes through the challenge at the same time. The next class is being rolled out immediately, so you’ll have a chance to start improving your score right away.
During the next 14 weeks, I’m going to cover the following insider banking secrets:
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How the banking scam directly impacts your wallet. Not only are you a victim of a low credit score, but also the banks prey on your low credit score to steal your hard-earned money. You can fight back and protect your pocketbook. |
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How to stop the credit card scams with a three-minute phone call or a 153-word letter. This scam hurts your credit score by 20 to 40 points (per credit card) and causes you to lose important opportunities. But it’s against the law and easy to stop ... if you know what you are looking for. |
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What your “utilization rate” is, and why it is so critical. If you have this information, you can manipulate your utilization rate and force the credit bureaus to give you a higher credit score. |
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How to make sure that your fragile credit report is free from errors. I will give you the tools you need to wipe the errors off your report and start building your score now. |
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Where you can apply for loans that WILL be approved and WON’T gauge you will fees and crazy interest rates. |
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The tricks married people can use to raise their credit score faster and easier. If you can leverage your spouse’s credit, you will be ahead of the game. |
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The quickest way to build you credit from SCRATCH ... a perfect strategy if you have been through financial crisis. Even if you have been through a bankruptcy, foreclosure, repossession, or other financial crisis. you will get a 720 credit score in about two years, if you have no credit, you will have it much faster. Ultimately, this means you’ll save tens of thousands of dollars over the next decade. |
Don’t get overwhelmed! I cover these topics in bite-size pieces so it’s really easy to follow.
I created this program for people like my aunt, people who most need help repairing their credit, but don’t have a ton of time (or money) to spend studying the credit laws.
Speaking of money, how much do you think this program is worth?
Well, I know my program is worth at least $2000. In fact, I’ve had clients that have paid me over $5,000 for the same information, just with my personal help.
But if You Have Been Through Tough Financial Times, You Can’t Afford to Pay Thousands.
So you won’t pay $2,000, or even $1497. And because you are the person who most needs this program, you won’t even pay full price. (We sell our entire program on our website everyday for $1000.)
In fact, I’m going to give you a huge discount. See, when I had that conversation with my Aunt, it hit a soft spot for me and really opened my eyes..
The people who have been through tough financial times can’t afford to pay the rate I charged my Hollywood celebs and executives.
So I created a program specifically for you.
The Reality Is, You Are Probably Skeptical.
If you’ve been through tough financial times, you know that you should save your pennies. You are probably also really skeptical because you’ve already been burned in the past.
So I asked myself: How can I create a program where the people who are the most skeptical feel comfortable with me?
This is pretty difficult since we most likely we don’t even know each other.
So I decided to make my program iron-clad.
The Price – 80% Off
Like I said, I normally sell my program for $1,000, but that’s not fair to you. So I asked myself: What would be a number that would be fair to both of us?
I settled on a price of $397. That’s an 80 percent discount off my regular price!
PLUS, if you cannot afford $397 now, you can pay monthly.
| Payment Plans | |
|---|---|
| One-time payment | $397 |
| Three monthly payments | $147 monthly, or $441 total |
| Five monthly payments | $97 monthly, or $485 total |
Like I said, I am limiting this price to people who signed up for the webinar. I’m not going to offer the $397 price on my website. If I offered this big discount to everyone, I would impact the rest of my business.
I’m Telling You This Because You Won’t Be Able to Sign up Anywhere Else
Also, just so you know, you won’t need to buy anything else from me. No hidden costs, only $397.
That being said, during Lesson #1, I recommend that you pull your credit report and buy your credit score, which will cost you $39. Like I said, though, this isn’t a requirement.
I tell you this upfront because I don’t want you to be unhappy, which is what would happen if you started the program and then found out about the cost of buying your credit score.
Okay, so the discounted price is $397, and I’m starting this class in the next couple days, so if you don’t sign up now you are going to miss it!
Guarantee for the
14-Day Credit Challenge
If you don't save at least $1,000 within 12 months...
By following my seven-step process...
You get 100% of your money back...
NO QUESTIONS ASKED.
Frequently Asked Questions for the
14-Day Credit Challenge
Rather than going on and on about my system, about what it is, how it works, and why it is so important...I thought it would be best to answer the questions I get asked the most.
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What is the difference between this program and other credit repair and improvement programs? |
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How much work is involved in this program? |
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Will it work even if I have REALLY bad credit because I have a bankruptcy or foreclosure? |
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What are your guarantees? |
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How do I return the program if I’m unhappy? |
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I tried credit repair before and it didn’t work. Could my credit be different? |
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How fast will I see my credit score go up? |
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What if I have a specific credit question? |
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Do I need to get my credit report before starting this program? |
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What is your background and why are you uniquely qualified to improve my credit score? |
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I really want to join, but I don’t get paid until next week. Can you help me out? |
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My spouse and I both have bad credit. Should we join together? |
Success Stories for the 14-Day Credit Challenge
10,140 people have gone through my program and experienced great results. Following are some of their success stories...
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FORD TO MERCEDEZ FOR ONLY $20 MORE PER MONTH!"In spite of a bankruptcy, my credit score went from 540 to 748. Once my credit score improved... I went to get a new car and got a brand new Mercedes Benz with a payment of only $20 more than my Ford."
Jimi Akiboh |
DROPPED INTEREST RATE BY 4 PERCENT!"Since I acquired Phil’s program and followed the steps, my wife and I got a car loan and knocked our interest rate down from 11 to 7 percent and saved us hundreds of dollars per month. Thanks Phil!."
Brad Bertram |
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SAVING OVER $1,000 PER MONTH - OLD CAR TO NEW CAR!"If it weren't for Phil's system I'd still be renting an apartment and driving the old Honda. It would be a lot different financial situation for me. All things combined, I started to save over $1,000 per month after implementing the Phil's system."
James Anderson |
SAVED $1,200 PER MONTH!"We followed Phil's advice and we were able to reduce our monthly payment by over $1,200 a month. It made life very, very manageable. It was the most important move I have made in the past 27 years."
Bruce Gelber |
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NOW A BELIEVER!"Prior to using Phil's system, I had tried everything from credit improvement companies to attorneys, and nothing worked for me. I followed Phil's system and my score jumped to 718. I couldn't believe it."
Tim Michaels |
$100,000 MORE EXPENSIVE HOUSE FOR ONLY $50 PER MONTH!"Once our credit jumped from 610 to over 720, we moved into a house that cost $100,000 more and our payments only went up by $50 per month!"
Shawn and Karlee Bucher |
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SAVED THOUSANDS WITH 7 STEPS"By using Phil's program, I saved thousands of dollars on my mortgage, car loan, and credit cards. What a phenomenal tool!"
Lee Camblin |
SINGLE MOTHER"Phil's system really opened my eyes. The book gave me concrete and easy to follow advice on how to turn things around. For that alone, it was worth the investment. But the thing that struck me is that Philip really cares. He doesn't just want more business. He genuinely wants to help people repair their credit, buy a home, and get the best rates. I only wish I lived in his area so he could be my mortgage broker."
Sarah Baker |
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What Experts and Advisors Are Saying:
Congresswoman Dianne Watson acknowledged me and my process at her Job Fair about the financial literacy we are bringing to America.
Harvey MacKay, one of the bestselling authors of all times, has taken me under his wing, and is personally helping me spread this.
And here’s what a few others have to say...
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CREDIT IMPROVEMENT EXPERT"I've been in the credit improvement business for twenty years and I have benefited from Phil's challenge in improving my own credit."
Allene Paige |
PER CPA, SAVES PEOPLE MONEY!"I have clients that are just a few hundred dollars short per month in their finances. By following Phil's class, they are able to get a better rate on their car, home and credit card, which takes them from losing money each month, to saving money each month. It's the best investment a person can make."
David Fenton |
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NEW YORK TIMES BESTSELLING AUTHOR"Due to Phil's program, we were able to secure a loan at an interest rate that was 0.5% lower than what I would have paid if I didn't follow Phil's system... which equated to about $400 per month."
Douglas Andrew |
REINVENT YOURSELF FINANCIALLY WITH 7 STEPS"The 14-Day Credit Challenge is a clear and powerful process for reinventing oneself financially. It provides motivation for people trying to take control of their financial future. I would like to see all real estate agents read this book both for themselves and their clients."
Floyd Wickman CSP, CPAE, |
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UCLA SCHOOL OF BUSINESS AND MANAGEMENT PROFESSOR"After recommending Philip's program to my student and clients, I realized that I had to apply several of the steps myself!"
Michael Fiorina |
BLUEPRINT FOR MAKING MONEY - ACCORDING TO AGENT TO THE STARS"What's so fantastic about Philip’s Program, is that it's a blueprint on how you can save a lot of money, each and every month."
Christophe Choo |
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REAL ESTATE VETERAN"I've owned my company for 15 years, I've sold over $300,000,000 in Real Estate, I own my own mortgage company and I learned a lot by following Philip's Program."
Anthony Marguleas |
USC PROFESSOR FOR BUSINESS OWNERS ADVISES, GET 7 STEPS!"Tirone's book is a good overview of protecting and correcting your own credit. Good credit should be guarded by all, especially entrepreneurs. Become and remain bankable!"
William H. Crookston PhD, |
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THE CORE SECRET TO MANAGING CREDIT SUCCESSFULLY"Managing your credit is one of the core secrets of success, which makes Philip's program the perfect resource for people who have great credit, bad credit, or no credit at all. Tirone's book teaches you everything you ever needed to know about credit."
Jennifer Kushell |
MAKING CLIENTS' DREAMS COME TRUE"As a realtor, I'm responsible for making my clients' dreams come true, and I couldn't do that without Philip’s system. Time and time again, it gave my clients the ability to qualify for the best home loans available. In fact, every homeowner, homebuyer, realtor, and mortgage broker in the country needs Philip's program!"
Erik Flexner |
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14-Day Credit Challenge Program
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Included in Your Order:
Each video is 5-10 minutes long and each video has 5-10 minutes of action items that need to be completed at the end of each video. Every week, one video will be delivered to your email inbox, for a MAXIMUM of 20 minutes of work each week. |
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Your 14-Week Program will cover the following:
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Here's What You Get
This Package Includes™ |
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| The 7 Steps to a 720 Credit Score Book (for reference with the videos) | ||||
| The 7 Steps "Practical Guidebook" (for reference with the Toolkit) | ||||
| The Entire 14-Part Credit Video Series | ||||
And the following Bonus Items: |
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| 10 Biggest Credit Mistakes to Avoid booklet | ||||
| Managing Your Credit After a Financial Disaster booklet | ||||
| Your Teen's Credit booklet | ||||
| Live Monthly Q&A session for the first 50 orders | ||||
| Your Package Total: |
$397 |
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