Smart Money Secret 2021 Review: [Read First]
By: Khalil Alnajjar
Tags: Money Mindset, Money, Growth, Money Management, Money Transfers

Smart Money Secret 2021 Review: [Read First]

Homewood, IL — ( NewMediaWire ) — July 28, 2020 — The Smart Money Secret presentation features the Credit Secrets book that presents a way for users to help get the credit score improvement insights that can change the outcome of your finances and life. Presented through a special Larry King TV show episode, the Credit Secrets book from Scott and Alison features the Smart Money Secret Method that can improve credit scores and potentially lower the amount of debt to be collected.

Personal finance is one of the hottest topics available, both online and offline. The world over, people are grappling with financial issues and how to get over their financial problems. If you have bad credit and being hunted by collection agencies, this review is for you.

Credit Secrets is a personal finance book that has everyone talking. The DIY credit repair book is much more than a temporary credit fix. It’s more of a lifelong credit lesson that you can utilize for the rest of your life. However, you need to take the bold steps to implement the strategies exposed in the book.

The Credit Secrets book launched a marketing campaign with revised information in 2020. The book was endorsed by the Larry King Special Report, which describes it as “190 pages to get your life back on track” with the strategies provided in the Smart Money Secret method.

In the words of Larry King, “If you’re struggling in your financial life…this little book could be the answer to all your prayers.” Credit Secrets is available online for purchase for $39. Both Smart Money Secret and Credit Secrets speak about the same thing.

In this review, you’ll discover all you need to know about Credit Secrets and the Smart Money Secret.

What is Credit Secrets?

Credit Secrets is a personal finance book that provides strategies to help you improve your credit score. The book offers lessons that are easy to implement to restore your own credit rating and have control over your financial life.

According to online campaigns for the book, it can lead to significant credit improvement. One reader says he improved from 629 (poor) to 749 (excellent) within 14 days. Another person also raised his score by 180 points in a short time.

Scott and Allison Hilton wrote Credit Secrets after experiencing their own personal financial challenges. The Hiltons experienced a drop in their credit score to the 400–500 range. At that point in financial difficulty, a friend who was working for a credit bureau informed them of a legal strategy that could improve their credit score. When they implemented the method, Alison’s credit score went up 300 points in just three months. Amazed by the results, the pair decided to share their newly found secret with the rest of the world.

Credit Secrets went through a marketing campaign that included both online and through Larry King Special Report. The book is sold alongside other digital products such as a quickstart guidebook, a guide to improving business credit, and the Secret Money Method — a moneymaking system.

Credit Secrets is mainly useful to consumers with bad credit or poor financial systems. All the same, the authors claim anyone can implement the lessons in the book.

How Does Credit Secrets Work?

The Credit Secrets financial guidebook aims to help readers improve their credit scores almost instantly. According to its authors, implementing the strategies revealed in the book can help readers get results in as little as one day. However, they also recognize the fact that there are complex credit issues, which can take up to 90 days to improve. They say it takes an average of 30 days to improve a single credit entry.

Here are some of the promises made by the authors:

How to improve business credit

How to improve credit score within 24 hours

How to instantly obtain $1500 in newly available credit without any credit check

Additionally, while the Credit Secrets book contains workable strategies for improving credit score, a good number of the testimonials on its page are from people who used Smart Money Secret products to improve their credit score. As noted earlier in this piece, Smart Money Secret products are similar to Credit Secrets. The two sets of products are sold separately.

A glance at the sales pages for Smart Money Secret and Credit Secrets reveals dozens of reports of real people who improved their credit score by more than 100 points.

How to Raise Your Credit Score With Credit Secrets

In Credit Secrets, anyone can find actionable ways to improve his or her credit score. As shown on its sales page, it enables people to raise their scores by double or triple digits upon following the financial advice provided in the book. The book explains these strategies for improving ailing credit scores:

Improve your available credit: According to Credit Secrets, your possible credit score constitutes nearly a third of your credit score. By applying access to other forms of financing or applying for more credit cards, you can raise your available credit.

Remove negative items from your record: Certain negative items on your file such as student loans, late payments, charge-offs, or delinquencies, can drag your score down to significant lows. Removing these items from your record can significantly improve your credit score.

Pay off bad debts: Try to pay off or consolidate your bad debts. This can quickly raise your credit score.

Reach out to creditors with 11 magic words: According to the authors of Credit Secrets, adding eleven particular words to a creditor communication can improve the chances of removing a bad debt from your record.

The authors maintain that many of the tips exposed in the book can improve credit scores in as little as 24 hours. As mentioned earlier, Alison Hilton was able to raise her credit score by more than 300 points within 90 days of implementing the strategies shared in the book.

Do Customers Raise Their Credit Scores Using Credit Secrets?

Generally, most of the reviews regarding Credit Secrets are false or exaggerated. For instance, it’s common to see pictures of people buying high-end goods like yachts, luxurious homes, and expensive vehicles, claiming that they used the Credit Secrets book to change their life.

However, the Credit Secrets team recently went to the ground and surveyed its customers. The survey was meant to determine the average increase in credit score points.

Based on the results of the survey, Credit Secrets wrote:

“In a recent survey of our membership, the average credit score increase was reported by members as 61 points in 60 to 90 days.”

That is a notable difference but not quite as striking as the reviews posted on the Credit Secrets sales page. For example, the page heavily promotes stories of people improving their credit scores by more than 200 points when, in reality, the majority of the members just do around 61 points or less within two to three months.

For more information about users raising their credit score using Credit Secrets, you can check book review aggregator GoodReads.com. On the Good Reads site, readers have given the Credit Secrets an average rating of 3.48 out of 5 with more than 150 reviews.

Many reviewers share the same sentiments: praising Credit Secrets for providing them with simple, actionable tips to raise their credit score. One positive reviewer asserted the book was “better than hiring a credit repair company.” Even so, she went on to caution that people have to implement most of the tips on their own.

Credit Secrets Pricing and What’s Included

Credit Secrets costs $39. Consumers can pay through Visa or MasterCard. With the $39 purchase, the book comes along with the following bonuses:

Credit Secrets Book: This is the main product you’re buying

Credit Secrets Guide to Business Credit eBook: This e-book explains how starting a business can allow you access to business loans and open other lines of credit while doing something you love.

Credit Secrets Quickstart Guide eBook: This systematic guide shows you how to implement the lessons in Credit Secrets as quickly as possible.

Secret Money Method eBook: Another e-book that explains how to access up to up to $1500 worth of new credit in less than 60 minutes. You’ll also discover “little-known online sources” where you can raise improve your available credit even with low scores.

Credit Secrets Hidden Fees and Refund Policy

It’s important to note that Credit Secrets purchase comes with some extra fees with each order. Checking carefully at the bottom of the order page, you’ll find an already checked box with the words, “Yes! Another Free Bonus!”

This explains that you’re getting a free 14-day trial to the Smart Money Club, which is a private Facebook group. At the expiry of the 14-day window, you’ll incur automatic billing of $29 to remain a member of the group. This implies an annual invoice of $348 until you contact the company to cancel.

Overall, Credit Secrets comes with a 30-day moneyback guarantee. Within 30 days after purchase, you’re free to contact the company for a full refund with no questions asked. The Credit Secrets refund policy even gets better. If you consistently use the program for 90 days, follow the lessons therein, and your credit score fails to improve, you can send back the book to the company and receive twice your money back. To contact the creators behind Credit Secrets, to order, or ask prevalent questions call or email at:

Support Phone: (877) 215–6015

Email: support@creditsecret.org

Support Hours:

Mon — Fri: 9am — 10pm EST, and Saturday: 10am — 8pm EST

Final Word

The Credit Secrets program, separately marketed as Smart Money Secret, is a personal finance book aimed at helping you improve your credit score. The book, authored by Scott and Alison Hilton, explains how you can raise your available credit and improve your credit score within as little as one day. However, the ultimate result depends on how consistent and practical you are in following the guidelines as outlined in the Credit Secrets book.

Disclosure: This page contains affiliate links. If you purchase Smart Money Secret using links on this page, I will earn a commission at no cost to you. Thank you for your support!