Phil Tirone: Author, Credit Guru

"Your credit score: Those three little numbers can have a six digit impact on your life."

If your boss told you that you could get a promotion and a pay raise, but wouldn’t tell you how to do it, you would probably look for another job. If your doctor told you that your health was in grave condition, but wouldn’t reveal how to save your life, you’d find a new doctor. These scenarios describe the credit industry to a "T". There are many ways to improve your credit score and help your finances, just as there are many ways to damage your score and ruin your finances. Nobody in the credit industry tells you how to do either – but now one man WILL: Phil Tirone, your credit guru.