The 7 STEPS TO A 720® CREDIT SCORE program was created when mortgage broker Philip X. Tirone noticed that good people with good intentions were consistently turned down for home loans. Those who did qualify often paid unnecessarily high interest rates. On a $300000 home loan, a person with a poor credit score could pay as much as $212040 extra over the course of 30 years. This is simply unacceptable. 7 STEPS TO A 720® CREDIT SCORE exposes the rules of the credit game, allowing countless Americans to increase their credit scores and save hundreds, sometimes thousands of dollars in interest payments. 7 STEPS TO A 720® CREDIT SCORE is a credit-improvement strategy based on patterns of change identified by studying tens of thousands of credit reports. Available to the public, the system is also used by real estate agents, mortgage brokers, investment advisors, and accountants across the nation to help borrowers save money, qualify for the best loans, and reduce interest payments. An expert in residential home financing, Philip X. Tirone has a unique background in difficult-to-obtain loans, having started his career working with borrowers with stated incomes and/or poor credit scores. With this foundation, he became a specialist in the credit-scoring process, authoring the book, 7 STEPS TO A 720® CREDIT SCORE, as well as the bestselling workbook, APPLYING THE 7 STEPS TO A 720® CREDIT SCORE. Philip is the founder of the Mortgage Equity Group (the MEG) and specializes in …

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