Comments for Philip Tirone- Credit Improvement Strategies, Raise Your Credit Score http://www.philiptirone.com Philip Tirone, author of 7 Steps to a 720 Credit Score, teaches how to build and improve your credit score with simple credit improvement strategies. Tue, 09 Mar 2010 21:13:10 +0000 http://wordpress.org/?v=2.9.1 hourly 1 Comment on Credit Card Act of 2009 Part II – How to Complain by ChrisR http://www.philiptirone.com/blog/credit-card-act-of-2009-part-ii-%e2%80%93-how-to-complain/comment-page-1/#comment-657 ChrisR Tue, 09 Mar 2010 21:13:10 +0000 http://www.philiptirone.com/?p=860#comment-657 I received a direct mail offer from Fidelity Investments, my employer's 401(k) plan, for a credit card that would put money into my retirement account; one term violates the new law--applying excess payment to highest APR balance first. Where do I go to complain about this? Fidelity is not a bank, obviously. I received a direct mail offer from Fidelity Investments, my employer’s 401(k) plan, for a credit card that would put money into my retirement account; one term violates the new law–applying excess payment to highest APR balance first. Where do I go to complain about this? Fidelity is not a bank, obviously.

]]> Comment on Why I shaved my head…. by gavin dickinson http://www.philiptirone.com/blog/why-i-shaved-my-head/comment-page-1/#comment-655 gavin dickinson Sun, 07 Mar 2010 20:35:15 +0000 http://www.philiptirone.com/?p=1011#comment-655 God made a few perfect heads... The rest he put hair on. :) God made a few perfect heads…

The rest he put hair on.

:)

]]> Comment on Looking for a job… don’t miss this by Why I shaved my head…. | Philip Tirone- Credit Improvement Strategies, Raise Your Credit Score http://www.philiptirone.com/blog/looking-for-a-job%e2%80%a6-don%e2%80%99t-miss-this/comment-page-1/#comment-648 Why I shaved my head…. | Philip Tirone- Credit Improvement Strategies, Raise Your Credit Score Fri, 05 Mar 2010 23:30:47 +0000 http://www.philiptirone.com/?p=1003#comment-648 [...] My wife still thinks I’m nuts… You can check out the new me by following this this link.   [...] [...] My wife still thinks I’m nuts… You can check out the new me by following this this link.   [...]

]]> Comment on Citibank Free Checking Account by vanderley martins http://www.philiptirone.com/blog/citibank-free-checking-account/comment-page-1/#comment-645 vanderley martins Fri, 05 Mar 2010 02:01:33 +0000 http://www.philiptirone.com/?p=985#comment-645 I m is vanderley I m is vanderley

]]> Comment on Credit Card Debt Reduction by Al & Shawna http://www.philiptirone.com/blog/credit-card-debt-reduction/comment-page-1/#comment-644 Al & Shawna Thu, 04 Mar 2010 23:47:56 +0000 http://www.philiptirone.com/?p=995#comment-644 I bought and used 7 steps to a 720. Eventhough the info and sample letters are available online, it is well written and easy to use. We raised my wife's credit from 500 to 750 in a matter of months. We were able to buy a beatiful home and now have excellent credit and get approved on anything. However my main comment is this -- I have read several places that the NEW magic number of credit scores is 740 NOT 720 due to tighter lending standards. Have you thought of changing the book to 740 instead of 720. Just a thought. Thanks, Al I bought and used 7 steps to a 720. Eventhough the info and sample letters are available online, it is well written and easy to use.

We raised my wife’s credit from 500 to 750 in a matter of months. We were able to buy a beatiful home and now have excellent credit and get approved on anything.

However my main comment is this — I have read several places that the NEW magic number of credit scores is 740 NOT 720 due to tighter lending standards.

Have you thought of changing the book to 740 instead of 720.

Just a thought.

Thanks,

Al

]]> Comment on Citibank Free Checking Account by Igor http://www.philiptirone.com/blog/citibank-free-checking-account/comment-page-1/#comment-643 Igor Thu, 04 Mar 2010 16:40:04 +0000 http://www.philiptirone.com/?p=985#comment-643 Citibank already charging those fees. I been customer since 2000-2001 and i already see these fees! I am going to go with Chase. At least they are free for now Citibank already charging those fees. I been customer since 2000-2001 and i already see these fees! I am going to go with Chase. At least they are free for now

]]> Comment on Open Letter to Tiger Woods by Laura http://www.philiptirone.com/blog/open-letter-to-tiger-woods/comment-page-1/#comment-641 Laura Thu, 04 Mar 2010 07:56:38 +0000 http://www.philiptirone.com/?p=1000#comment-641 Phil --- thank you for giving Tiger those words of encouragement. As the Bible says and I paraphrase "Let him who has not sinned cast the 1st stone." Phil — thank you for giving Tiger those words of encouragement. As the Bible says and I paraphrase “Let him who has not sinned cast the 1st stone.”

]]> Comment on Credit Card Debt Reduction by Philip Tirone http://www.philiptirone.com/blog/credit-card-debt-reduction/comment-page-1/#comment-638 Philip Tirone Wed, 03 Mar 2010 05:26:19 +0000 http://www.philiptirone.com/?p=995#comment-638 Ric, We very seldom recommend debt reduction companies for this exact reason, the fees are high and many times, it does not solve the problem, only prolongs it. Do a search on this site for our "Virtual Roundtable" around Debt negotiation... there is some great info there. Ric, We very seldom recommend debt reduction companies for this exact reason, the fees are high and many times, it does not solve the problem, only prolongs it. Do a search on this site for our “Virtual Roundtable” around Debt negotiation… there is some great info there.

]]> Comment on Credit Card Debt Reduction by Ric http://www.philiptirone.com/blog/credit-card-debt-reduction/comment-page-1/#comment-633 Ric Mon, 01 Mar 2010 19:27:16 +0000 http://www.philiptirone.com/?p=995#comment-633 Credit card debt reduction is a term also used for plans to pay off your excessive credit card debt at a reduced rate. Therefore, the "term credit card debt reduction" leads to some confusion. I have entered into one of these plans and I'm not really sure that it is worth the cost. In this plan, you are told to not pay on your credit card until it goes to a collection agency so that they can negotiate your pay off terms. This completly destroys your credit score. Mine fell from 720 to 531. Meanwhile you are paying to the debt reduction company to build up your escrow account for negotiation. They get their rather significant fee up front. What is your opinion of these debt reduction companies? Credit card debt reduction is a term also used for plans to pay off your excessive credit card debt at a reduced rate. Therefore, the “term credit card debt reduction” leads to some confusion. I have entered into one of these plans and I’m not really sure that it is worth the cost. In this plan, you are told to not pay on your credit card until it goes to a collection agency so that they can negotiate your pay off terms. This completly destroys your credit score. Mine fell from 720 to 531. Meanwhile you are paying to the debt reduction company to build up your escrow account for negotiation. They get their rather significant fee up front. What is your opinion of these debt reduction companies?

]]> Comment on Open Letter to Tiger Woods by Dan http://www.philiptirone.com/blog/open-letter-to-tiger-woods/comment-page-1/#comment-630 Dan Sun, 28 Feb 2010 04:58:50 +0000 http://www.philiptirone.com/?p=1000#comment-630 You say he is no different than everyone else, then say the only difference .... this means he is different. If not, then there would be no difference. There are many qualified men, or people who are way more qualified to teach others. Just because you fall into the ocean does not mean you are qualified to teach others to swim. He is not even out of the "woods" yet if you will excuse the pun. We do not know if he will break his addiction, change or repeat, so in my opinion he needs to focus on himself and not think of helping others until he can secure his own demons into obscurity. As much as I would like to say your letter is good, it does not look mature and fully thought out, but rather an option to gain attention in the heat of a celebrity. Once he is recovered then perhaps he can become an adultery charity of helping those about to, have done, or will do the same thing, and prevent women going through the same pain as his wife. Besides, if we learned from others mistakes then the world would be a better place, but man always thinks he will not get caught, and it would never happen to him. Oh how we fail and need to grow. Good luck to you. You say he is no different than everyone else, then say the only difference …. this means he is different. If not, then there would be no difference. There are many qualified men, or people who are way more qualified to teach others. Just because you fall into the ocean does not mean you are qualified to teach others to swim. He is not even out of the “woods” yet if you will excuse the pun. We do not know if he will break his addiction, change or repeat, so in my opinion he needs to focus on himself and not think of helping others until he can secure his own demons into obscurity. As much as I would like to say your letter is good, it does not look mature and fully thought out, but rather an option to gain attention in the heat of a celebrity. Once he is recovered then perhaps he can become an adultery charity of helping those about to, have done, or will do the same thing, and prevent women going through the same pain as his wife. Besides, if we learned from others mistakes then the world would be a better place, but man always thinks he will not get caught, and it would never happen to him. Oh how we fail and need to grow. Good luck to you.

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