Is Smart Money Secret a scam? What is Smart Money Secret exactly?
Smart Money Secret is a book that promises to “turn the tables” on your creditors and get them to erase your debts.
So if your credit score is in shambles? and you are neck-deep in debts, the solution is to learn how to fix your credit score, so these opportunities requiring credit are open to you.
If you have a weak credit score, you won’t have access to credit cards, credit lines, and credit loans.
Today we’ll look at Smart Money Secrets.
Does their method work? Let us dive in and take a close look at Smart Money Secret.
What is Smart Money Secret?
Smart Money Secret (also known as Credit Secret) is a book written by Scott and Alison Hilton.
They authored this book to teach others how to manage and eliminate your debts, thus improving your credit score.
The key to Smart Money Secret lies in filing credit dispute forms against the credit bureaus.
Based on US law, all credit bureaus are legally obligated to respond and verify all credit disputes (such as inaccurate or incomplete details) within 30 days.
Otherwise, they are required to update or delete the negative item from your credit report.
This entire verification and response process is incredibly tedious and time-consuming for the folks at the credit bureau, especially if they need to respond through a ton of disputes (which is usually the case).
Smart Money Secret works by showing you how to use this law to your advantage and get your debts erased.
Is Smart Money Secret a Scam?
Absolutely not, Smart Money Secret does the same thing that Credit Repair companies do for their clients.
Only those systems usually require a monthly fee that’s greater than the entire cost of this book.
On the contrary, Smart Money Secret is a better value if you don’t mind doing the work to repair your own credit.
More like a DIY credit repair project.
What’s Inside Smart Money Secret:
When you buy Smart Money Secret, you will receive:
- A hardcover book
- An exclusive online webinar training session
- A done-for-you letter template to raise your credit score
- An audiobook with additional tips and commentary
- Exclusive 30 days access to Smart Money Club
- Invite to Smart Money Secret’s Facebook group
For only $49, Scott and Alison promise to raise your credit score within 30 days by using their secret method.
If your debts are already reaching hundreds or even thousands of dollars, this would be an excellent value for money.
If you are worried that Smart Money Secret can’t fix your debt problems, there is a 100% money-back guarantee provided.
The book is divided into 10 chapters, each covering the method in great detail. Some of the topics covered in Smart Money Secrets include:
This chapter teaches you how to analyze your credit scores and credit reports. It also touches on the facts about FICO scores and the credit bureaus in the United States.
Getting Inaccurate / Incomplete / Unfair / Unverifiable Items Removed
This chapter explains the various types of letter templates that can be utilized for almost all types of credit situation.
This chapter is the secret sauce of the Smart Money Secret, which contains insider tips.
You’ll study tricks relating to public records and filing complaints
This chapter is not required for everyone, except for those with ‘extreme’ cases, which teaches how to get an easy win with a quick lawsuit.
You’ll be glad to know that you will also receive the latest money advice from the exclusive Smart Money Club, as well as support from fellow readers in the Smart Money Secret Facebook group.
Generally, the advice in the book is not bad. Essentially what they teach is what Credit Repair companies do for their clients.
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Cons with Smart Money Secret:
Overall the Smart Money Secret is a well-written course. Here’s a few drawbacks we noticed.
Smart Money Secret is a physical book.
However, if we have to nitpick we would prefer if there is an option to receive the entire course in digital form.
I mean, most people have Kindle or other devices for reading books, so it makes sense to create a digital version.
Currently, you can only purchase the book in physical format.
It would be nice if we can order a PDF version which we can put in our phones and read while on the go.
Or an audio version.
Unfortunately, there’s only one version at the moment.
Smart Money Club Up-Sells:
Our second criticism would be the Smart Money Club.
While it is a useful resource for readers to keep themselves updated with the latest money secrets, we are dismayed by the lack of opt-out options to cancel the club membership.
You get one-month access for free, and you will be charged a monthly fee after that.
Currently, the only options to cancel your subscription are either during the purchase of Smart Money Secret or calling their hotline.
So they make it hard for you to cancel the club membership.
In my opinion, the book is bit expensive too, almost as much as a full textbook, though it’s not even close to the amount of material needed.
You can find a lot of similar books out there for less than $20, not to mention all the free resources online too.
And in various formats as well.
Smart Money Secret Pros:
Having said that, we enjoyed the Smart Money Secret because…
- It is well-written
- Covers everything you need to know about improving your credit score.
We’re glad that the book dives straight to the point ,and doesn’t take the reader around in circles.
In fact, you will be able to make actionable steps on improving your credit score as soon as finishing chapter 1.
Thankfully, the book has a dedicated Facebook group for true fans.
Lets you share insider tips with other readers and hear about their success stories using the Secret Money Secret.
With over 10,000 members, it contains a wealth of information, videos, and testimonials from other members.
You can see people posting actively in the group almost every day with their success stories, about how Secret Money Secret has helped them take back control of their credit.
It’s always nice to find an active Facebook group for a product.
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Conclusion on Smart Money Secret:
Smart Money Secret is an interesting book about repairing credit and issues related to it.
On the other hand, I think it’s a little over-priced and it doesn’t have an eBook version.
I also don’t like the marketing tactics for Smart Money Club.
There’s a bit too much hype, and they make it very difficult to cancel your membership!
In general, the book is perfect for those that need to repair their credit and have the time to follow through and take action.
It’s a better option than paying a credit repair agency that can cost a monthly fee (typically around $50 – $60/month).
Personally, if you have a lot of debt, I think it’s best to focus on building more streams of income.
One way to do that is by building an online business, and it’s easier than ever these days.
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Thanks for taking the time to read our Smart Money Secret review!
Now you know what is Smart Money Secret. Leave a comment if you have any questions.
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