Credit Secrets is a credit score repair book that claims to solve your financial problems. By following the lessons in the book, you can improve your credit score significantly leveraging the methods outlined in the Smart Money Credit Secrets system.
Credit Secrets just launched a new marketing campaign with updated information in 2020. You may have seen Credit Secrets advertised on Larry King Special Report, where the book was described as “190 pages to get your life back on track” using the Smart Money Secret Method outlined in the book.
“If you’re struggling in your financial life…this little book could be the answer to all your prayers,” explains Larry King.
You can buy Credit Secrets online today for $39.
Credit Secrets has also been marketed online under the name “Smart Money Secret”. The two books are the same.
Will Credit Secrets really transform your financial future? Can a single book really improve your credit? Keep reading to discover everything you need to know about Credit Secrets, the Secret Money Method, TheSmartMoneySecret.com, and CreditSecrets.com.
What is Credit Secrets?
Credit Secrets is a financial advice book that promises to help you improve your credit score. By implementing the lessons in the secret credit score repair book, you can improve your personal credibility rating and protect your financial future by implementing the Smart Money Method and Credit Secrets system.
The eBook is marketed online with claims of significant credit improvement. One reader claims to have improved credit from 629 (Poor) to 749 (Good) within just two weeks, for example. Another person raised their score 180 points in a short period of time.
The book was written by Scott and Alison Hilton. After financial difficulties, the Hiltons’ credit scores plummeted to the 400 to 500 range. Then, a friend working for a credit bureau told them about a 100% legal strategy they could use to improve their credit score. Alison improved her credit score by 300 points within just 90 days. The pair decided to share the secret with the world.
As part of a recent marketing campaign (both online and through Larry King Special Report), Credit Secrets is being sold with a package of digital products, including a quickstart guidebook, a guide to improving business credit, and a moneymaking system called Secret Money Method.
Credit Secrets is mostly marketed towards people with bad credit scores or poor financial health. However, the authors claim the lessons can be implemented by anybody.
How Does Smart Money Credit Secrets Work?
Credit Secrets promises to improve your credit score almost instantly. Some of the specific promises made by Scott and Alison Hilton include:
- How to get $1,500 in new available credit instantly with no credit check required
- How to improve your business credit
- How to improve your credit score within just 24 hours
The Credit Secrets book is filled with strategies for improving credit score. However, a significant number of customer testimonials on the Credit Secrets page are from people who used Smart Money Secret products to raise their credit score. Smart Money Secret products are similar to Credit Secrets but sold separately.
The sales page for Credit Secrets and Smart Money Secret is filled with dozens of reports of real people raising their credit score by 100+ points.
How Can I Raise My Credit Score with Credit Secrets?
Credit Secrets shares actionable ways anyone can improve their credit score. As the sales page explains, you can expect to raise your credit score by double or triple digits by following the financial advice included in the book.
Here are some of the strategies explained in Credit Secrets:
- Raise your available credit. Your available credit accounts for approximately one third of your credit score. You can raise your available credit by applying for more credit cards or accessing other sources of financing.
- Removing negative items from your record. You can challenge certain items on your credit score. Removing these items can significantly raise your credit score.
- Pay off bad debts. Paying off or consolidating bad debts can quickly improve your credit score.
- Contact creditors with 11 magic words. The authors claim that adding 11 special words to a creditor letter can significantly improve the chances of removing a negative debt from your record.
Credit Secrets claims that many of their tips can improve credit scores in as little as 24 hours. As mentioned above, Alison Hilton improved her credit score by 300+ points within 90 days by implementing the tips shared in the book.
Credit Secrets Reviews: Do Customers Really Raise Their Credit Scores?
Most of the Credit Secrets reviews online seem exaggerated or fake. There are pictures of people buying yachts, multi-million dollar homes, and high-end vehicles, for example, claiming that the Credit Secrets book was the secret they needed to transform their life.
Fortunately, Credit Secrets recently conducted a survey of its customers to determine the average increase in credit score. Here’s what Credit Secrets found:
“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’s a significant difference, but it’s not quite as dramatic as the results posted on the Credit Secrets sales page. Credit Secrets heavily promotes stories of people raising credit scores by 200+ points, for example, when in reality, half of all members increase credit score by less than 61 points within 60 to 90 days.
Credit Secrets is also listed on book review aggregator GoodReads.com, where readers have given the book an average rating of 3.48/5 with 150+ reviews.
Many of the positive reviews are similar: readers praise Credit Secrets for offering simple, actionable ways that anyone can improve their credit score. One positive reviewer claimed the book was “better than hiring a credit repair company”, although she cautioned that you have to implement a lot of tips on your own.
Credit Secrets Pricing
Credit Secrets is priced at $39.
You can pay online via Visa or MasterCard.
Click here to watch the Larry King Special Report on the Credit Secrets book and see if the smart money method system is right for you.
What’s Included with Credit Secrets?
Your $39 purchase of Credit Secrets includes the main Credit Secrets book and several bonuses:
- Credit Secrets Book: This is the main Credit Secrets book.
- Credit Secrets Guide to Business Credit eBook: This eBook explains how starting a business lets you access business loans and lines of credit while doing something you love.
- Credit Secrets Quickstart Guide eBook: This is a step-by-step guide that tells you how to implement the Credit Secrets lessons as quickly as possible.
- Secret Money Method eBook: This eBook explains how to access up to $1,500 worth of new credit in under an hour, including “little known online sources” where you can build up your available credit even if your scores are low.
Credit Secrets Hidden Fees
There are hidden fees attached to your Credit Secrets purchase. At the bottom of the order page, you’ll see a checkbox beside, “Yes! Another Free Bonus!”. That box (which is already checked) explains that you are receiving a free two week trial to the Smart Money Club private Facebook group.
After your free two week trial is complete, you will be billed $29 automatically to remain a member of the group.
You will continue to be billed $29 per month ($348 per year) until you contact the company to cancel.
Credit Secrets Refund Policy
Credit Secrets has a 30 day refund policy. You can contact the company anytime within 30 days of your purchase for a full 100% refund with no questions ask.
However, the refund policy gets even better. If you commit to using the Credit Secrets program for 90 days, follow the guidelines, and find your score does not improve, then you can send back the book and receive double your money back.
Who Are Scott and Alison Hilton?
Scott and Alison Hilton wrote Credit Secrets after saving their family from financial disaster. They dug themselves into a hole, then escaped that hole and took control of their credit, finances, and lives. Now, they’ve written a book sharing their experience.
Alison Hilton claims she had a great paying job and a good life, and then everything changed overnight. She lost her job, and debt collectors soon started calling. Her credit score dropped to 588. Even after paying debt collectors, her score did not improve. She was disappointed to discover that even after paying old debts, negative items stayed on the credit report for seven years.
Eventually, Alison and her husband met “a family friend named Jay, who had worked inside the credit industry for years”. Jay explained “inside information” that “would transform their financial lives, forever.”
Jay’s advice included a shortcut to improving their credit score. The shortcut is 100% legal. Within just 90 days, Alison raised her credit score from 588 all the way to 781.
Scott, meanwhile, also had a poor credit score. After implementing the credit shortcut, he improved his score from 476 to 751, although it took him longer than 90 days.
After experiencing success with this credit score shortcut, the two decided to share it with friends, family, and now the rest of the world.
The two have been marketing Credit Secret online since 2017. It’s unclear what type of background the Hiltons have, although neither claim to be certified financial advisors or licensed credit repair experts.
What is Smart Money Secret?
Smart Money Secret is a financial advice book written by Scott and Alison Hilton.
The book contains similar advice to Credit Secrets: you’ll discover actionable ways to improve your credit score.
In fact, as far as we can tell, Smart Money Secret and Credit Secrets are the same book – they’re just marketed under slightly different names.
Both Smart Money Secret and Credit Secrets have been marketed online since 2016 or 2017.
Is Credit Secrets a Scam?
As far as we can tell, Credit Secrets is not a scam. You pay $39 and receive the Credit Secrets book, which offers 190 pages of advice on improving your credit score.
However, Credit Secrets seems to be marketed online in a dishonest way.
By buying Credit Secrets, you are quietly signed up for a free two week trial of the Credit Secrets Facebook group (the box is automatically checked to confirm the subscription). Once that two week trial is complete, your credit card will automatically be charged $29 per month (!) to remain an active member of the group.
We also have a problem with the types of credit score improvements that Credit Secrets advertises online. Customers are led to believe they’ll improve their credit score by 200 to 300 points, for example, based on testimonials.
In reality, the average Credit Secrets user improves their credit score by 61 points within 60 to 90 days. That’s still a significant improvement – but it’s much different from what’s advertised by Credit Secrets online.
Credit Secrets, previously marketed as Smart Money Secret, is a book that teaches you how to improve your credit score. The book explains how to raise your available credit and improve your credit score within as little as 24 hours, for example.
The book was written by Scott and Alison Hilton, who experienced financial problems before turning their lives around thanks to “insider advice” from a friend who worked for a credit bureau.
To learn more about Credit Secrets and how it works, visit the company online today at CreditSecrets.com.
How to Get Help with My Credit?
A low credit score does not only make loans costly or inaccessible. It may affect your employment, and even prevent you from renting the best apartment. As an indicator of creditworthiness, it is checked by lenders, insurers, employers, and landlords. If the total is far from perfect, there are several ways to fix it. The best repair companies will do it on your behalf.
Why Scores Go Down
In the US, the most popular scoring systems are FICO and VantageScore. They use a similar combination of factors to assess data on credit reports. Three major bureaus — TransUnion, Equifax, and Experian — document your payments and all events related to borrowing. For example, the three most important elements for FICO are:
- history of payments (35%);
- the total amount of debt (30%);
- age of credit history (15%).
From this, you can deduce the conditions for the best scores. You need to have an impeccable record without missed or late payments, and the total amount of debt should be as low as possible. The longer your history — the better. You may also raise the score by using more credit products (credit mix accounts for 10%) and opening new accounts (10%).
Do You Need Repair?
This term refers to the correction of official records. Today, affordable credit repair services help you clean the reports fast. These measures are not always necessary. The accuracy of the records determines whether you need repair. You may need to rebuild your history, not fix it. For example, you will see the credit score go up after paying debt.
Every year, you may request a copy of your reports. There is no need to contact the agencies individually. Until April 20, 2022, www.annualcreditreport.com allows you to get them for free once a week.
If the documents are accurate, there is nothing to fix. However, you may still raise the score by rebuilding your credit history. There are several ways to do this, such as:
- Increasing limits on credit cards or paying off the balances (this lowers the credit utilization ratio);
- Getting a new credit card (to bring down the same indicator);
- Taking out new loans and paying back diligently;
- Adding more data to your reports through Experian Boost, and more.
How Repair Works
Mistakes on official reports are not uncommon. You may find errors in spelling or completely false entries, such as judgments, evictions, or bankruptcies. These derogatories will tarnish your records for a long time. Most negative entries affect the score for 7 years, and some bankruptcies influence it for a decade, depending on the chapter.
Every consumer has a right to dispute such errors on their own. This is a challenging and lengthy process. Not only should you navigate consumer credit laws. It is necessary to liaise with bureaus, lenders, and collectors. Communication involves formal letters of specific formats. If you lack the expertise, a credit repair company is your best bet.
Overview of Professional Services
These providers have teams of weathered experts. They will collect your data, identify the most damaging mistakes and have them removed. This process involves four key stages and takes several months on average. The company will:
- collect your reports from all major bureaus;
- scrutinize the documents to identify inaccuracies;
- develop a strategy to fix the score as quickly as possible;
- collect evidence to prove that the items are false;
- send formal dispute letters to credit bureaus to have the mistakes deleted.
Most providers offer different tiers of services. The cheapest packages include five disputes per billing cycle on average. The core services are analysis and disputes. In addition, you may access score monitoring tools, personal budgeting apps, identity theft protection, and other extras.
On average, repair takes between 2 and 6 months. This depends on the number of mistakes you want to eradicate. The more derogatories — the longer you (or your hired experts) need to collect the evidence and initiate the disputes.
How to Find a Reliable Provider
In the United States, credit repair is a big industry. Dozens of companies offer to raise your total quickly, but choosing the right one is tricky. Pay attention to the following:
- reputation and BBB rating;
- range of services;
- money-back guarantee.
Your provider may or may not be accredited with the Better Business Bureau. Still, this platform offers crucial insights (e.g., the number of complaints in the past 3 years and any pending lawsuits). Feedback is also available on sites like www.consumeraffairs.com and TrustPilot. In addition, check expert reviews from reputable sources like Investopedia.
In terms of pricing, learn about the ‘first work fee’, or ‘setup fee’. It is paid upfront. Subsequently, the company will charge you every month as long as you need its services. On average, you may pay between $79 and $129 per cycle.
Pay close attention to the refund policy. Some companies will not return your money even if they fail to delete a single item from the records. At the same time, there are unconditional policies. These allow you to get a refund for any reason within the first 90 days.
You need convenient access to progress tracking. Most providers allow you to check the status of your case on their web portal. The biggest companies have proprietary apps. You may reach their office by phone on any weekday, and support is also available during shorter weekend hours.
If you need help with repair, choose trusted providers in your area. Check their reputation, legal status, and feedback from customers. Beware of scammers. With professional assistance, you may see the first results in just over a month.
La Reyna Del Credito Helping People Defeat the Financial System by Improving Their Credit Scores
Financial freedom is somewhat an alien word where Ivonne Arvizu comes from, and she made a solemn promise to make it happen for herself and as many others as possible. With a work rate that has cut across different clients with varying professions such as medicine, entertainment, business, legal, real estate, financial professionals, police officers, and thousands of other people who needed credit report at one time or the other, Ivonne Arvizu has created a strong impression about La Reyna Del Credito. Ivonne acquired her credit repair knowledge a long time before she established her credit repair company, and she started helping people fix their credit while she worked at a bank. The bank was against her offering such services due to a conflict of interest. Ivonne, not willing to let herself get tied down in some banking bureaucracy she didn’t agree with, resigned from the bank and made her company into a full-fledged, official credit repair business.
Ivonne Arvizu has always been about excellence and flying the flag high all her life. Despite coming from a humble background and a poor family that never fulfilled the American dream, Ivonne set out to make a difference. She became a homeowner at the age of 20 and has dedicated more than 18 years of her life helping the Latino community elevate its financial status. Ivonne has been featured in Spanish programs on television networks like Telemundo, Univision, Radio Nueva Vida, Radio Inspiracion, and other broadcast services educating the public about financial freedom. Through La Reyna Del Credito, Ivonne is changing lives and shaking things up in the financial world.
La Reyna Del Credito was established on the premise of “Life happens, and anyone can get into a bad credit situation.” In Ivonne’s words, “Nobody ever hopes to have bad credit. It just happens, and it does not discriminate. There are so many variables that cause people to have bad credit and fortunately for them, ‘La Reyna del Credito’ exists.” Beyond fixing bad credit scores, La Reyna Del Credito helps people get their mortgage credit within days so they can buy their dream homes without stress. The company established a FICO program that ensures this guarantee, and it has boosted La Reyna Del Credito’s credibility in the Latino community.
La Reyna Del Credito has proven to be a game-changer for the Latino community and has pushed its members to focus on becoming more financially stable in their retirement age. With more than 1,087 real estate deals closed in 2018 alone and a money-back guarantee on all credit fixes if the company does not deliver the score, La Reyna Del Credito has given people more confidence in its services as it continues to deliver excellent results. The bulk of the company’s clients are Spanish-speaking Latinos who migrated to the United States without knowledge of how credit scores work, and they need guidance. Ivonne Arvizu has built something outstanding, and she’s willing to see it through till she has fixed the finances of hundreds of thousands of people.
Learn more about La Reyna Del Credito on the company’s official website.
Improve Your Credit Score with a Credit Repair Company
Securing a loan for your home or business investment can turn out to be quite overwhelming for individuals and businesses out there. People with poor credit scores often struggle with their loan applications, as it gets a bit challenging to have your loan application approved at a low interest. In fact, a credit score happens to be the first thing a bank or a financial institution is likely to notice when reviewing your loan application.
Sometimes, simple things such as late payments and irregular bill payments can lower your credit score significantly. Even if you manage to find a private lender who’s willing to approve your loan application, there is a good chance they will charge you a high interest for the loan.
Why Do I Need to Hire a Credit Repair Company?
It isn’t always your utility bills or debt payments that lower your credit rankings, but sometimes, you might end up with a bad credit score because of a small error on your credit report. Regardless of the complexity of the issue you are facing, you can’t deal with the problem on your own. It is important that you seek help from a credit repair company to look into the matter and fix the issue quickly. As the name suggests, the credit repair company is in charge of fixing the errors in your credit report and removing the items that might be lowering your credit score. This includes charge-offs, late payments, liens, debt collections, and so on.
With a large number of credit repairing companies claiming to offer high-quality and cost-effective services, the decision of choosing the most reliable company could be a little overwhelming. Each company offers a set of unique services that are designed to improve your credit score in different ways. You might have to apply for a loan to finance emergency health requirements, your dream home, a startup, business capital, child’s education, and other requirements. Here are a few other reasons why you must hire a credit repair company:
· Fix Inaccuracies on Your Credit Reports
Research shows that more than half the population of the United States report inaccuracies and unnecessary errors in their credit reports every year. These errors occur due to the miscalculation is wrong information. As mentioned earlier, it isn’t always your debts and late payments that affect your credit rankings.
Sometimes, small errors in the report could have a profound impact on your credit score. It is, therefore, important for businesses and individuals to get their credit reports reviewed once in a while. Only a credit repair company has the expertise and skills it requires for reviewing the credit reports thoroughly and fixing the errors. The sooner you get these errors fixed, the faster you will be able to apply for a home loan.
· Job Opportunities
Many reputable companies ask applicants to attach a copy of their credit reports with the job application so that they know their staff is trustworthy. A good credit score increases your chances of getting hired by a reputable company.
· Insurance Policies
You can’t secure the best and low-priced insurance policy with a bad credit score. It’s important to work on your credit score to get the best deals on insurance policies. That’s because a majority of insurance providers offer insurance plans based on your credit reports. A reliable credit repair company will help fix your credit score, saving you a significant amount of money on an insurance policy.
Best Credit Repair Companies
There is no denying that good credit repair companies can help improve your credit reports by erasing the negative items and fixing the inaccuracies. Here are a few popular credit repair companies you can count on for premium services.
· Credit Saint: With more than 10 years of experience in this industry, Credit Saint tops our list of the best credit repair company. The Better Business Bureau has rated it A+ for the variety of services it offers. The company has undoubtedly improved the credit rating of a large number of customers successfully over the past few years. It reviews your FICO credit score, evaluates the negative items, and fixes the damaged credit score.
· Sky Blue Credit: If the price and quality of the services are your main concerns, Sky Blue Credit is your best bet. The company has kept a fixed price, which is $79 a month, for an extensive range of credit repair services.
· The Credit Pros: With over 200,000 customers based across different parts of the world, The Credit Pros is a 12-year old company that has received an A+ rating from the Better Business Bureau. You can enroll in its monthly plan that costs a flat fee of $49 or choose the prosperity package – whatever fits your preference and budget.
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