Philip Tirone | Personal Growth Blog for Philip Tirone - Credit Scoring Expert and Champion for the Underdog

Home
Give Your Testimonial for a Chance to Win $500

Posts Tagged ‘Philip Tirone’

Give Your Testimonial for a Chance to Win $500

As you know, I love receiving testimonials from my happy and satisfied clients. So for fun, I have decided to host a challenge on who can give the best testimonial about their success with my 7 Steps system… AND I’ve made it SUPER EASY. Just follow these simple instructions:

You will need to record your testimonial by calling 1-800-609-9006 Ext. 9038.

Please use the following script as a guideline for your testimonial (fill in the blanks):

Hello, my name is ___________________ (first and last name) from ________________ (city), _____________(state)
What I love about Philip’s system is ______________________________ (make sure this flows from the heart)
The specific results I achieved because of Philip’s system are_________________________________ (examples: higher credit score, low interest rate, money saved per month, etc. – the more detailed the better)
Philip, I want to thank you for __________________________________ (fill in the blank)

Be sure to end your recording with your phone number, as we will be contacting the winner by phone.

Once you have submitted your recorded testimonial, email a digital picture of yourself to info@720CreditScore.com. Once your entry has been received, we will confirm receipt via email. If you do not receive a confirmation email from us, call us at 1-877-720-7267.

All entries must be eighteen (18) years of age or older and submitted no later than Saturday, May 15^th 2010.

The winning prize for the best testimonial will be $500. The winner will be selected based on the following three criteria:

Success with the system – Increase in credit score (before and after score), time it took to increase your score, your savings per month due to your increased credit score.
Communication - Effectiveness in communicating your success story in a clear, expressive, and genuine way.
Presentation – Creativity of your script

The winner will be contacted by a 7 Steps to 720 representative and we will post the winning testimonial on this site on Friday, June 4^th 2010.

Thanks for your support!

Consent, Waiver and Release:

By submitting your entry, you voluntarily and irrevocably give your consent to Philip Tirone, 7 Steps to 720, LLC , their assigns, successors, licensees, agents, advertising agencies, producers, publishers and legal representatives, the use of your name and story in all forms of media and in all manner, for advertising, trade or in any other lawful purpose, including, but not limited to 7 Steps to 720, LLC products, promotional materials and web sites. You therefore waive any right to inspect or approve your testimonial or any version thereof including a paraphrasing and release any obligation to make any payment hereunder or from any other liability incurred in connection with the use of any such text or other material in the manner provided; with the exception of the one-time payment to the chosen winner in the amount of five hundred dollars. Philip Tirone and 7 Steps to 720, LLC will not use disparaging references of your name in any form, and disclaims any responsibility for such unauthorized use of your published name or testimonial. You voluntarily and irrevocably give your consent and agree to this Consent, Waiver and Release with submission of your testimonial.

(1) Comment |

Recommend |

Credit Scores and Interest Rates – A Bank Insider’s Shocking SpyCam Confession

Credit Scores and Interest Rates – A Bank Insider’s Shocking SpyCam Confession

You would think that banks would know a little something about credit scores and interest rates. And in fact, you would be right. They assign interest rates based on credit scores, so they know just how important credit scores are. They just won’t tell you.

And it ticks me off.

I went into a major bank – a bank that received some of your taxpayer dollars in the form of a bailout – and I asked for help about how credit scores and interest rates can be improved.

And I got zero help. Nada.

The banker was uninformed and inaccurate in his understanding of credit scores and interest rates. To be fair, it wasn’t his fault. His managers don’t know either. And why don’t they know?

You see, the banks have no intention of helping you build your credit score, so they do not train their bankers to give you proper information. If they did, you would qualify for a better loan at lower interest rates, and they would be unable to rob you of your hard-earned money.

Well, I’ve had it, and I’m taking a stand. I think banks should:

Help you learn how to build your credit score.
Teach you about credit cards and credit scores, and how your interest rates can be improved via your credit cards.
Give you information about bankruptcy and how your credit score can recover after a major financial disaster.

Do you agree? Watch this SpyCam and let me know if you think banks should stop keeping us in the dark about credit scores and interest rates!

Credit Scores and Interest Rates – A Bank Insider’s Shocking SpyCam Confession

Post Comment |

Recommend |

Why I shaved my head….

Before

After, 3 weeks growth

I want to share with you why I decided to shave my head three weeks ago. First of all, let me begin by telling you I’ve always received compliments on my hair. It actually reminds me of the Seinfeld episode, “Jerry, you have a beautiful head of hair.”

Starting off the year, I told myself that this year is “not about me.” I wanted to put my ego in check and not get caught up believing that I’m special in some way.

Well, I got one comment too many and realized that my hair was actually a crutch for my ego (as strange as that sounds). When I realized it, I shaved it. It was not easy, to say the least. In fact, I wrestled with the conversation in my head for days – that is when I realized it was a bigger deal than I had thought.

My wife still thinks I’m nuts…

I welcome your comments and criticism.

(16) Comments |

Recommend |

Looking for a job… don’t miss this

When I was 16 years old, I read the book “Swim With The Sharks Without Being Eaten Alive” and it changed my life and how I looked at the business world.

Last week, while in a class in Phoenix, I had the opportunity to meet Harvey Mackay, the author. I asked him, what can I do for you? He told me about his new book for those looking for a job and I told him that I would send it to the people I know.

It’s called, Use Your Head To Get Your Foot In The Door: Job Search Secrets No One Else Will Tell You. He thinks it’s his best work in two decades since Swim With The Sharks Without Being Eaten Alive, a lifetime business classic…and I wouldn’t put it past him!

This book comes with an AMAZING GUARANTEE – If you don’t find a job in six months, you get your money back! Let me repeat that…

If you don’t find a job in six months, you get your money back!

Harvey’s pragmatic, yet humorous style shows you that getting a job is a job. He has penned the definitive A-Z career resource with time-tested, easy-to-apply methods to:

Use state-of-the art researching skills and networking strategies
Create a daily “recovery” program and job search plan
Learn the best questions to ask in interviews and how to get the job.

PLUS, if you buy the book by February 26, 2010, you will gain access to additional tips and ideas only available to friends of Harvey Mackay:

A FREE, $12.95 value Rolodex Networking Book Download (includes 20 pages of his Harvard MBA speech summarized in the Harvard Business Review)
3 interactive templates, classic Harvey Mackay handouts, and an exclusive Job Secrets toolbar to make the most of your time

A recent review by the prestigious Library Journal Review says:

“….this is a very useful book…Highly recommended for job seekers and career changers at all experience levels.”

I think you’ll personally enjoy Use Your Head To Get Your Foot In The Door and hope you’ll pass this offer along to a friend who needs a dose of Harvey Mackay’s clever wisdom and secrets to jumpstart their career in this grueling economy.

In Prosperity,

Philip Tirone

P.S. Buy the book at your local bookstore or find online retailers at www.harveymackay.com/jobsecrets

(1) Comment |

Recommend |

Open Letter to Tiger Woods

Tiger,

Just watched your video…. Thank you for speaking out.

I hope you can see that is a blessing in disguise.

I imagine that you are the type of person that wants to inspire others…

I imagine that you are the type of person that wants people to look up to you… This is your chance and today, you took the first step.

Keep in mind, you are no different than every married man in the world, the only difference is that you acted on your impulses. However, what can you teach the millions of men that stuggle with this addiction? What can you teach the millions and millions of boys that look up to you, BECAUSE of this painful and very public lesson?

This is your opportunity to embrace this challenge that every man faces! There is not a person in the world that is SO UNIQUIELY qualified to touch the men of the world on such a difficult subject. You are the one.

I challenge you to take this opportunity and run with it! Make this opportunity be the moment that people will remember you by.

God Bless,

Philip Tirone

(7) Comments |

Recommend |

Credit Card Debt Reduction

Debt from revolving credit (which includes credit cards) fell by 13 percent last year according to a survey by the Federal Reserve, but this credit card debt reduction could indicate a negative trend.

First of all, credit card debt reduction is an indicator that banks have tighter lending standards. Revolving debt is decreasing because credit cards for people with bad credit are harder and harder to find. Unless you have a clean credit record and a credit score of at least 720, banks might not approve you for new credit cards.

The drop in credit card debt reduction might point to something else as well: Consumers are opting to open fewer credit cards.

Though reducing personal debt is always a good thing, refusing to apply for credit can harm a person’s ability to navigate through life. If you do not have a credit card, how will you reserve a hotel room? Qualify for a cellular phone plan?

Perhaps more importantly, how will you build your credit score? Responsible use of three to five credit cards, each with low balance-to-limit ratio, is one of the best ways to build good credit. Sure, credit card debt reduction is good, but by all means, you should be willing to open new credit card accounts if you do not have at least three!

(7) Comments |

Recommend |

How to Compare Good Faith Estimates

If you are a first-time homebuyer, you may be wondering how to compare Good Faith Estimates, those documents a lender provides disclosing the interest rate, the monthly payments, and settlement and closing costs. Understanding this, will help you negotiate the best mortgage deal.

First of all, remember, I’ve been in the mortgage business for over twelve years, so I understand how difficult they can be. The bottom line is that comparing Good Faith Estimates has always been a bit difficult. For example, how can someone who does not understand mortgage terms dissect ten pages of jargon? What about all the confusing fees?

New federal rules that took effect at the beginning of January “supposedly” will make it easier to read these Good Faith Estimates… by standardizing them and simplifying the format. We’ll see. They say that the new rules will help “disclose an adjusted origination charge,” and include “all the fees the lender controls as well as any points paid to lower the interest rate.”

The biggest change is that lenders will not be allowed to increase the origination fee from what is disclosed in the Good Faith Estimate. Other fees, like title services and recording charges, cannot increase by more than 10 percent from what was disclosed. Additionally, the new form requires that borrowers be informed that they do not have to accept the title insurer suggested by their lender.

While this may sound good originally, the problem is that this will cost more for the lender and in turn their “processing fees” will go up. People always ask about the junk fees, well, many times, the junk fees are dictated by policies that don’t really serve the client base. My opinion is that this is one of those policies.

Some experts estimate that these changes will help save borrowers an average of $700 on their loan costs. I don’t believe that for one bit. At a minimum, the new rules are going to create more questions about how to compare Good Faith Estimates.

(2) Comments |

Recommend |

Tips for Saving Money on Vacation

In these scarce times, you might find yourself looking for Tips for Saving Money on Vacation. A recent article by Michelle Higgins in the New York Times offers great advice for keeping travel expenses to a minimum.

One of my favorite ideas suggested by Higgins is to use Twitter to “follow” the travel companies or travel experts that you like to use. Large Companies, like American Airlines, United Airlines, etc. etc, are beginning to tweet their best offers, deals and advice, and the first people that respond can take advantage of those rates!

Higgins also suggests websites ITASoftware.com and Kayak.com for finding the least expensive travel dates. She also reminds readers to check for nearby airports that might be less expensive than your first choice and to fly on off-peak days. And, try to use online travel sites like Yapta.com, Travelocity.com or Orbitz.com that automatically refund the difference if your fare or reservation falls in price after you buy it.

For these and other tips to learn Tips for Saving Money on Vacation, read Higgins’ article in the New York Times in full.

Post Comment |

Recommend |

Negotiate Credit Card Debt for Pennies on the Dollar!

Last week, I posted information about a “Virtual Roundtable” I am hosting on How to Negotiate With Credit Card Companies. From all the responses I received, there was one in particular I felt needed to be shared with you immediately!

It is about a person who was able to negotiate $150,000 in credit card debt, for less than 25%! I recorded the entire call and will be posting it next week.

This information is GOLD!!!! Literally, amazing information - from the lies they told him to the actual results.

All credit card companies will be named!

Stay tuned!!

(2) Comments |

Recommend |

What Should I Do If I Receive a Wrong Medical Bill?

My wife and I have three children under the age of four, which means our mailbox is flooded with medical bills and sometimes, wrong medical bills. Obviously, the last thing you want to do is pay these bills, and, at the same time, if you don’t, your credit score will be severely impacted.

Here are some things I learned about dealing with wrong medical bills:

1. Call the provider and politely state that you do not recall the services. Perhaps you simply forgot about the doctor’s appointment. Or it may be an honest billing mistake. Give the provider time to verify the charges.

2. If the provider fails to verify the charges, challenge the charges in writing. Politely but firmly state that you do not believe you ever incurred the charges and note that the provider failed to verify the charges when you gave it an opportunity. Send the letter by certified mail and keep a copy for your records.

3. If this fails, you have a decision to make. You can pay the “wrong medical bill to preserve your credit score, and then investigate whether to bring a small claims action for return of the money. Or you can wait for the charge to appear on your credit report, and then use the credit-reporting agency’s method for dispute resolution. The agency will require the provider to prove the charges. If it cannot, the information will be removed from your report. However, if the charges are proved to the credit agency’s satisfaction, the negative information will remain on your report for up to seven years.

The moral is this: don’t ignore these wrong medical bills, even if you don’t remember getting those services.

Post Comment |

Recommend |

Page 5 of 9« First...«3 456 7 »...Last »

Credit Scoring Expert speaks candidly about his personal growth and asks respected writers to share content to help others improve their life.

Personal Growth Blog for Philip Tirone – Credit Scoring Expert and Champion for the Underdog

Posts Tagged ‘Philip Tirone’

Give Your Testimonial for a Chance to Win $500

Credit Scores and Interest Rates – A Bank Insider’s Shocking SpyCam Confession

Why I shaved my head….

Looking for a job… don’t miss this

Open Letter to Tiger Woods

Credit Card Debt Reduction

How to Compare Good Faith Estimates

Tips for Saving Money on Vacation

Negotiate Credit Card Debt for Pennies on the Dollar!

What Should I Do If I Receive a Wrong Medical Bill?

Search the site

Free Credit Webinar

E-Tips Sign Up

eBook Download

Quick links

Featured in:

Recent Comments

Blog Archive

Categories:

Submit your email for access to our Student's Video Credit Lesson