Credit After Bankruptcy

Free  Credit Rehab Course for My Bankruptcy Clients

I Am the ONLY Bankruptcy & Consumer Rights Lawyer in Ventura County
Who Gives Every Client of Mine an Honest, Ethical, Legal
FICO Score Improvement Program – FREE.

I talk to people about their bankruptcies or potential bankruptcies every day, and I realize that, while bankruptcy solves your immediate problems (debt, creditors, phone calls and lawsuits) the bankruptcy itself is only part of your concern; everyone – literally everyone with – whom I talk also wants to get back to their normal life as soon as possible. This includes rebuilding your FICO score to 720 (or better) as fast as possible.

Even though my clients come from wildly different backgrounds, everyone asks me very similar questions:

  • How long it will take to rehabilitate my credit score after my chapter 7 bankruptcy?
  • Will I ever get credit again after my bankruptcy?”
  • Will I be able to get a mortgage or rent an apartment after filing bankruptcy?”
  • Can I buy a car after I file bankruptcy?

These are all excellent questions, and valid concerns.

I Listened to My Clients Concerns
About Their FICO Credit Score After Bankruptcy
and I Found a Solution For My Clients:

In my research, I learned that:

  •  If you take immediate steps to start rebuilding your credit score after a bankruptcy, you can see your credit score improve to 720 or better within 12 to 24 months after your bankruptcy has been discharged.
  •  Most people who seek credit repair get taken advantage of by “credit repair” scams and scammy operators. Credit repair companies are largely predators who sell empty bags of hope to people in pain and fear.

Because my clients are concerned about their credit, I searched high and low for the best credit repair program available. I had several criteria which the program had to meet, or I would refuse to consider it:

  • The credit repair program must be legal (I have a law license and a reputation at stake)
  • The credit repair program must be ethical  (I will not engage in unethical behavior, period)
  • The people offering the program must be of the highest moral standards ( I believe that the people you choose to associate with are a reflection of who you are)

But – Most Important:

  • The Credit Rehab Program Must Work. If It’s Not Effective, We’re ALL Wasting Our Time.

After examining the program, I learned that people who have been through 720CreditScore.com’s program (7 Steps to a 720 Credit Score) get 720 credit scores as quickly as 12 to 24 months after a bankruptcy.

The program was developed by Philip Tirone, who is a former mortgage broker that developed his system to help his mortgage clients improve their FICO scores to qualify for better mortgage rates. Mr. Tirone’s program costs $1,000.

G’head. Check out his website. There’s a ton of good information there; a free FICO Credit Score webinar,  a free FICO Credit Score Improvement ebook, and other free credit repair information. Then come back here. I’ll be waiting.

I Enroll Every One of My Bankruptcy Clients Into the 720 Credit Score Program, at My Cost.

I’m a skeptic. It comes with being a lawyer. After a while, you don’t believe anybody, for any reason. So, not only was I skeptical about this program, but I didn’t trust Phil – or, frankly, anything about it. After all, I earn my living fighting against debt negotiators, credit repair scams and other predators. But Phil won me over with his guarantee, his sincerity, his enthusiasm, and with the following testimonials.

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The following testimonials are from Phil’s website:

Credit Repair Testimonial

Jimi Akiboh

FORD TO MERCEDES 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

Indianapolis, Indiana

credit repair, credit improvement

Brad Bertram

DROPPED INTEREST RATE BY 4 PERCENT!

“Since I acquired the 7 Steps to a 720 Credit Score and followed the steps, my wife and I got a car loan and knocked our interest rate down from 11 to 7 percent.”

Brad Bertram

Kaysville, Utah

James Anderson

James Anderson

SAVING OVER $1,000 PER MONTH – OLD CAR TO NEW CAR!

“If it weren’t for the 7 Steps 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 7 Steps system.”

James Anderson

Provo, Utah

Bruce Gelber

Bruce Gelber

SAVED $1,200 PER MONTH!

“We followed Phil’s advice in 7 Steps to a 720 Credit Score 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

Pasadena, California

Tim Michaels

Tim Michaels

NOW A BELIEVER!

“Prior to using 7 Steps, 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

Los Angeles, California

Shawn and Karlee Bucher

Shawn and Karlee Bucher

$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

Kaysville, Utah

Lee Camblin

Lee Camblin

SAVED THOUSANDS WITH 7 STEPS

“By increasing my score to 720, I saved thousands of dollars on my mortgage, car loan, and credit cards. What a phenomenal tool!”

Lee Camblin

Sandy, Utah

Sarah Baker

Sarah Baker

SINGLE MOTHER

7 Steps to a 720 Credit Score 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

Bozeman, Montana

Jim Garland

Jim Garland

MAKING MONEY WITH 7 STEPS

“I recently went to buy a car, and was told that my credit score was only 619. That’s when I bought the 7 Steps to a 720 Credit Score System. I followed the 7 Steps and realized that I was one of the 80 percent of Americans that had an error on their credit report. I followed Phil’s advice and in three months my credit score jumped to 741! I am now saving $300 per month on my mortgage since refinancing with my new credit score. I’m such a believer that now I’m selling the program off my own website so I can spread the word and earn additional income.”

Jim Garland President

Smart Details,

Dulles, Virginia