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

Is Smart Money Secret A Scam?

Is Smart Money Secret a Scam? Warning Amazing Credit Repair Book!


First of all, I would like to say thank you so much for taking your time to do your own research and join me to read this in-depth review of Smart Money Secret.


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. This is what the Smart Money Secret claims.


” You will discover how you get out of debt and finally take control of your family’s finance.” Is it possible to increase as much your credit score in very short time?


Just how good is this Smart Money Secret book? How does it compare to other credit repair books?


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 and give you a full run down what is Smart Money Secret, how exactly the Smart Money Secret works. And also answer the question is Smart Money Secret a scam?


Let’s get started…


Smart Money Secret Review: A Quick OverviewSmart Money Secret: credit repair book

Name: Smart Money Secret

Owner: Scott & Alison Hilton


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

Summary: Smart Money Secret is a great credit repair book. I like how it doesn’t make you wade through all ‘fluff’ that many credit repair books unnecessarily add for page count. The book is easy to read and understand and short to the point. It offers so much value to help you get out of debt and take control of your family’s finance. If you apply the strategies included in the book, you can increase your credit score 100+ points within a few months. However, the major downside is that the book is very short (45 pages), but it is $49.

Overall Rank: 6.8 Out of 10

Recommended: Yes, but a little expensive

Looking for a real solution for your money?

My Top Recommended Program


What Is Smart Money Secret All About?

Smart Money Secret found at is the brainchild of Scott Hilton who is the founder of the company. Smart Money Secret was launched on August 24, 20012. The company offers books, products, and membership that teach personal finance.


According to the Smart Money Secret website “” 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.


Here is a Short Video on Smart Money Secret

Bold claim, right? 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. Their services offered are very similar to other credit repair company out there.


Popular Article: Is My Instant Offer a Scam? Get the Answers In My Review!


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.


Don’t Miss: Is Lending Tree a Scam? Get The Answers In My Review!


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.


Does Smart Money Secret Work?

One of the main questions, people are starting to ask the question, ” does Smart Money Secret work?” is because the company is promising to improve your credit score almost instantly.


Smart Money Secret promises


The company also claims to help you get $1,500 new credit line without credit checks required, improve your business credit, improve your credit score within 24 hours and more. These claims are the key attraction.


The answer to the question, ” does Smart Money Secret work?” is very typical, “yes, but…”  Yes, Smart Money Secret can work to improve you credit score, but it not work for everything as they claim.


Smart Money Secret is great for improving your credit score with minimum effort. The book is fill with strategies to help you take control of personal finance, but keep in mind that it is not for a one stop for everything. It is not a magic credit score booster.


Also See: Fundbox Review- Scam or Real Deal, Find Out Now!


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.


This book also good for people who credit score have fallen on hard time and who are already to get their financial life back on track.


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


Smart Money Secret Reviews And Complaints

Many Smart Money Secret reviews argue that the company isn’t live up to its promises. The many Smart Money Secret reviews online argue that the service they’ve have receive in just a pure scam.


First, they want you to believe that by signing up to their program, you will start improving your credit score almost instantly. The image below is a snapshot of a review I found on BBB. org (Better Business Bureau) websites. It is one of the many complaints about Info Up, LLC and their business practice.

Smart Money Secret products and service complaints


You can see how easy it is for people to full prey to Smart Money Secret offers.


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.


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!



Looking for the Best Solution for your Money?About aun

I joined Wealthy Affiliate in late 2016 without a prior know knowledge about how to generate income online and within a few months, I started making money online.

After 18 months of joining WA, I was able to work from home and having a great time with my family. Wealthy Affiliate is the real deal and works. You can join for free. Come on in and I will show you how to actually start making money.

No Credit Card or Bank Details Required.

Try Wealthy Affiliate for Free now


Smart Money Secret At A Glance

Name: Smart Money Secret

Owner: Scott & Alison Hilton


Price: $49, then 19.97 per month

Overall scam rank: 6.8 Out of 10

Verdict: Legit, Might Take More Time Than Suggested


Smart Money Secret






Overall Quality



  • Affordable program
  • Proven Way to Raise Credit Scores
  • 30-Days Money Back Gurantee


  • Lacks in Support
  • Some Information Provided can be Found Online for Free
  • It Takes More Time Than Suggeste

11 thoughts on “Is Smart Money Secret A Scam?- The Surprising Truth About This Company!”

    • 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!

  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!

  3. Bought the credit book only, took me about 2 years, working diligently but succeeded and ended up with a credit score of 833 and 798, in 2 different credit company. It just depends a lot on your own personal situation, but stick with it and you will figure out your own situation and how to correct it.

    • Hi Diana thank you for your honesty, how much did the “book” alone cost you? While you was working diligently did you come across any other book(s) or program(s) that helped you along your quest? Do you
      recommend any book(s) and or program(s) ?
      Thanking you in advance.


Leave a Comment