Philip X Tirone

Be careful if you deal with Philip X Tirone - this person seems to be a fraud!
He contacted me and offered me low interest rates in my business. I tried to work with this person because I was interested in his offers but I just found that all of them were lies. This person is kind of a lawyer and offers many services such as 7 Steps to a 720 Credit Score, The 14-Day Credit Challenge etc. Actually how it happens in real life - he makes a good presentation, signs a contract with you and then disappear without providing services you've paid for. Good knowledge of law allows this person to make a contract with hidden rocks which is helpless when you are trying to get your money back.
You'd better stay away from this person and keep your money safe!

I became a victim of Philip X Tirone scam. They promised to lower my credit payments during three months and they did nothing except taking my money. After three months I understood that they will never do anything for me and asked for a refund that was mentioned in the agreement. However, this company refused to give my money back.

My credit card company said they would initiate a dispute of this charge on my behalf and that I could call the company back to inquire about WHEN my credit would be issued. I've been told twice now by a manager that a credit would be issued within 24-72 hours and it still has not been done as of today. They told that the charge will show up on my credit card statement as “7StepsTo720.com” or "Philip X Tirone".

Once you speak with them, they automatically charge any card that has the credit availability of their fee and you will play heck to get it back. The only way I've found is to dispute it with your credit card company. However, this takes time and while you have this $1499 charge on your account, it ties up your credit limit. Beware of Philip X Tirone!!!

4400 N. Scottsdale Rd. Suite 9-744, Pheonix, Arizona 85251
Website: http://www.philiptirone.com/
Phone: (877) 720-7267

Philip X Tirone called my cell phone numerous times with a promise to lower the interest rates on all my credit cards to an average of 3%-6%. I spoke with them about their program and they faxed me over the paperwork to review and discuss. Even though I have never signed their paperwork and spoke with my wife immediately after speaking with them, they went ahead and charged my VISA $1499.00 while we were on the phone. Apparently this is what they are doing while they say they're going to put you on a brief hold to see if you qualify for their program. I spoke with them again within 15 minutes of our initial conversation, told them I had discussed with my wife and we don’t want to pay $1499 for their interest lowering program and don’t wish to participate and most importantly, would not be returning any signed paperwork. They promised to issue a full refund to the card and then put their fee. I then called my credit card company to get some advice and cancel the charge made by Philip X Tirone as I was promised a full refund within 24-72 hours. Isn't it amazing that they were able to charge my card within seconds but it takes that long to issue a refund. Be aware of Philip X Tirone.