We believe everyone deserves a fresh start.

Philip Tirone is a former mortgage broker who saw how the credit system worked from the inside. He watched lenders evaluate risk, and he watched borrowers pay heavy interest that trapped them in cycles of debt.

Philip turned that knowledge into 7 Steps to a 720 Credit Score, a credit-education program for people who have faced a financial setback to rebuild their credit scores fast and ethically.

At 720 Credit Score, Philip teaches the exact habits that cause a credit score to naturally increase — habits like opening the right mix of credit cards, keeping utilization low, and removing high-priority errors. Philip's students use these tools to qualify for better auto loans and mortgages, lower interest rates, and fresh financial momentum.

“When I started my career as a mortgage broker more than 30 years ago, I realized people are kept in the dark about how to change a credit score and, by extension, their financial future. I watched people with poor credit pay more in interest, even after a bankruptcy. This made no sense to me because I knew they weren't in debt.”

“After studying tens of thousands of credit reports, I walked away from mortgage lending and created 7 Steps to a 720 Credit Score to show people how to rebuild their credit score so credit could become their ally, not their adversary.”

— Philip Tirone

Philip has a particular interest in post-bankruptcy credit rebuilding. He is the former chairperson of the board for Evergreen Financial Counseling, a nonprofit that provides pre- and post-bankruptcy debtor education and credit counseling courses. He is also the founder of 720 System Strategies, a firm that helps bankruptcy attorneys educate their clients about credit.