This week Bruce Norris is joined once again by Philip Tirone. Philip has been an entrepreneur from the start, buying and selling gold and silver in elementary school. He later established a car audio resale business in high school. As a mortgage broker he created 720creditscore.com to help his clients increase their credit scores and improve their financial situation. Originally a book and a workbook, the product expanded to become an infomercial, a teleseminar, and an online wealth enhancement course. Bruce and Philip discuss in great length about how the logic does not make sense with credit scores now, high-priority and low-priority errors, the purpose of Philip's webinars and programs, the problem of overlays in the market today, decisions made when you are dealing with small credit unions and small regional banks, good changes lenders are now making, and much more on this week's real estate radio show and podcast.