Is Smart Money Secret A Scam?- The Surprising Truth About This Company!

Is Smart Money Secret A Scam?- The Surprising Truth About This Company!

Name: Smart Money Secret

Owner: Scott & Alison Hilton

Website: creditsecret.org

Price: $49 One-time, then $19.97 per month

Overall Rank: 7 Out of 10

Let me guess, you’ve got an email like me and watch the sale video, you are dying to know if it’s really possible to raise your credit score up to 165 points in as little as 30 days.

Well, call me a skeptic, but I seriously doubted this claim because I’ve been there before.

I’m glad that you have done your due diligence.

By doing your proper research before-hand, you have just saved yourself the risk of falling for yet another potential scam that is only interested in taking your hard earned money and leaving you nothing.

This article will help you understand how exactly the Smart Money Secret works and simply answer the question is Smart Money Secret a scam?


What Is Smart Money Secret All About?

Smart Money Secret found at creditsecret.org is the brainchild of Scott Hilton who is the founder of the company. Smart Money Secret was launched on August 24, 20012.



According to the Smart Money Secret website “creditsecret.org” domain registration, Scott is based out of Nevada, U.S.A. This is presumably where Smart Money Secret is being operated.

They advertised themselves as ” The New Family Finance Book That Has Everybody Talking”.

They claim that their system helps you raise your credit score up to 165 points in as little as 30 days.



Bold claim. Let’s see how it stacks up…

In a nutshell, the main focus of this company is to help you control your credit report and credit scores.


The Bad Credit Blues

I used to have terrible credit. Not just bad credit. I’m talking truly awful. It takes me almost 7 years to increase my FICO score from 150 to 750.

Bad credit really hit me hard. Started for 2011, I tried every bank in my hometown and several others online to transfer my first mortgage, I just got it last year with half amount of down payment.

In my 7+ years struggled with the bad credit, I know what’s the bad feeling about dealing with irate debt collectors and their annoying phone calls at all hours of the day and night.

If I found Smart Money Secret in my early days, I don’t think I would have to go through such financial headaches.

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What’s Included With The Purchase?

When purchasing the program, you will receive several things which include:

Smart Money Secret Book (hard copy + downloadable PDF format)

The contents of this book include:

  • Chapter 1: Getting Started.
  • Chapter 2: Getting inaccurate/ Incomplete/Unfair/Unverifiable items removal.
  • Chapter 3: Advance tactics
  • Chapter 4: Lawsuits
  • Chapter 5: ChexSystem removals
  • Chapter 6: Student Loans, Repossessions, and HIPAA
  • Chapter 7: Advance Credit Techniques
  • Chapter 8: Frequently Asked Question
  • Chapter 9: Statute of limitations charts
  • Chapter 10: Glossary

Bonus #1: How Scott and Alison through budgeting and saving, were able to finance 2 of their dreams cars.

This is a 60 minutes webinar where you’ll learn how they did it by using a few simple techniques anyone can use.

Bonus #2: Monthly Budgeting Kit

This is a ready-made set of tested and proven budgeting templates that you can use to track your income and expenses.

Bonus #3: 30 Days Optional Free Access to the Smart Money Club Membership Community.

This is where you’ll want to join a community of over 100,000 fellow members who are ready to help you and answer all the questions you may have about Smart Money Secret.


The Pros Vs. Cons Of Smart Money Secret


  • 30 days money back guarantee
  • One of the most affordable programs out there
  • A bunch of ready-made templates to use
  • Proven way to raise your credit scores
  • Learn tips and trips involving public records, filing complaints
  • The owners of the program walk the talk

Cons :

  • The community is somewhat active
  • The support response time is slow
  • Some information provided can be found online for free
  • It takes more time than advertised on the sale page


What Is The Cost Of Joining Smart Money Secret?

The retail price of Smart Money Secret is $49 one-time payment. This includes a hard copy of Smart Money Secret book plus a downloadable PDF file and 30 days free access to the Smart Money Club membership community.

After 30 days free trial, you’ll be charged $19.97 per month until you decided to cancel.

They offer a 30- day money back guarantee without question.


Who Is It For?

Smart Money Secret is for those who want to repair their credit history and improve their credit scores.

If you have bad credit and very low credit score, this might be the best option for you.

If you already have a good credit, you can also benefit from the tips and trips here to maintain your credit score.


My Final Opinion: Is Smart Money Secret A Scam?

This is a great product which offers a good deal of tools, training, and support.

Scott and Smart Money Secret are definitely one of the more legitimate groups within an industry. Scott is one of the good guys in the industry.

Good credit is an essential especially if you’re US resident. Anyone that has tried applying for loans through awful credit will exactly know what I’m talking about.

It takes me about 6 months just to get an answer of a big capital “NO” from a bank that my loans application wasn’t qualified.

With my vast experience 3 major credit Bureau, the only thing put me off with Smart Money Secret is the claim to help you raise your credit score up to 165 points in as little as 30 days.

In my opinion, it might take more time than they suggested. Apart from that, everything is OK.


Smart Money Secret At A Glance

Name: Smart Money Secret

Owner: Scott & Alison Hilton

Website: creditsecret.org

Price: $49, then 19.97 per month

Overall scam rank: 7 Out of 10

Verdict: Legit, Might Take More Time Than Suggested

Do you happen to have any prior experience with this program that you would like to share with everyone else here today?

Tell me all about it in the comment box below!

Thanks for reading.

Wish you all the best!









    • Hi Larry,
      You should go to the Smart Money Secret official website and purchase it there. First, you will be registered with them and get 30 days free trials. After that, you will be billed $20 a month if you are continuing using their service.
      Wish you all the best!

        • Hi Carolena,
          First of all, thank for dropping by!
          You can contact their Customer Service team by phone at 877-215-6015, by email at Support@CreditSecret.org, or by submitting them directly to their website through their Contact Us link and clicking Submit a Ticket.
          Wish you all the best!

  1. I have had hip surgery and my husband is the only income we have now. We are 2 months behind on our mortgage and car payment and credit cards.
    We owe taxes and have not been able to pay now we have a hold on our account until it’s paid. What do we do? I feel like we are about to loose everything. Can you please help me with what I can do.

    • Hi Chrissanthia,
      I had such bad experience a couple years ago. At that time, My FICO score was only 200. I tried several banks to help me out, but couldn’t help. The only way was to go with personal loan. I got it from an online lender.It was very high interest rate, but worth it.

      Keep calm, you don’t need to loose everything. Bad times are just temporary.

  2. This program really works. I was employed by a credit repair company for years. I tried their program with no success. I purchased the program Credit Secrets. Within one month my credit score increased more than 100 points!!!! THIS PROGRAM REALLY WORKS!

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