Smart Money Secret Review (Credit Secret Review) | 30,000+ Happy Customers!

DIY Credit Repair is a Way to Improve Your Credit Drastically Without Breaking The Bank! For $49, You Can Purchase Smart Money Secret & Get Your Life Back…It’s That Simple.

Smart Money Secret Review (Credit Secret Review)

Smart Money Secret Book

Attention: Before you buy Smart Money Secret I want you to know that Credit Secret is the same credit repair system by Scott Hilton. This has caused some confusion so I wanted to make sure everyone was aware…Thanks!

We hope our reviews are helpful to you! To help keep our site active and up to date with the latest credit repair product reviews any opinions or recommendations made on this site may be compensated via an affiliate commission on any lead or sale that we make.

Click here for the Smart Money Secret

This is our Smart Money Secret Review (Credit Secret Review) where we will review Scott Hilton’s new DIY credit repair book / system. If you are looking for the actual site, click the link below:

CreditSecret.org Official Site

Not a fan of reading like me? haha I made a audio/video version of our review below:

Having bad credit can ruin any hopes that you have of ever owning a house or even a car (Trust me, I know first hand!). In order to get a secure line of credit, you must prove that you will pay your debts and that you will not have any trouble paying off the credit line or loan.

If your credit score is below 700 you may have many problems getting a substantial line of credit from lenders. Making sure that your credit doesn’t get in poor standing is easy by just paying your bills on time to your lenders but things can happen.

If you find yourself with bad credit you might think that there is no way to fix your credit and that you will simply be lost and never have anything good. The truth is that there are many ways to repair your credit and increase your credit score. There are tons of programs and companies out there that promise they will fix your credit and get you at a high score.

The truth is that those companies are scams or if they are not they may take forever to fix your credit and may charge you outlandish pricing. There is a company that can help you to repair your credit and that is CreditSecret.org and their DIY credit system called Smart Money Secret. With this do-it-yourself credit system you can get the help that you need to repair your credit and you could see your scores skyrocketing to the top very quickly.

If you click the video below, you will see the presentation that Scott created to explain it all! It reveals secrets the government does not want you to know about…

What Is Smart Money Secret (Credit Secret)?

Smart Money Secret (Credit Secret) was founded by Scott Hilton who found a way to increase your credit score overnight. He suffered from a poor credit score himself and desperately scoured the internet for ideas on how to rebuild his credit. Finally he looked into laws surrounding credit scores and found a legal loophole that allowed him to get many of his negative accounts off of his credit report.

The loophole is completely legal and been tested. By getting this credit trick you can take your poor credit score and turn it into an excellent credit score. Even the poorest of credit can get picked back up by this great loophole. The best thing about this credit system is that you only have to pay $47 to learn the loophole and get full access. Smart Money Secret (Credit Secret) is definitely the way to go to repair your credit.

What I Liked About This DIY Credit System Called Smart Money Secret (Credit Secret)…

There are many things that I like about Scott Hilton’s book. The fact that my credit report got wiped clean and I was able to start anew was definitely a plus. My credit was restored and I was able to secure credit cards and loans that I needed to purchased my wife a used car (used 2012 actually) . I also enjoyed the fact that it is 100% legal and I did not have to worry about getting in trouble with any legal proceedings.

I also liked the fact that I got rid of those pesky collection agencies and I no longer had to borrow money from companies that charged me outrageous interest rates. I would highly recommend Smart Money Secret (Credit Secret) to anyone who wishes to get their credit back into good standing.

What I Didn’t Like About It…

The one thing that I did not like about this system is that it is not a cure all nor a magic pill. Yes it works to rebuild your credit and secure the fact that your credit rating is not bad but it is not a miracle loophole. I have to stay on top of my spending habits and make sure that I pay all of my bills on time. Instead of not paying attention, I have to make sure that everything is done correctly.

It dos take some time to work the process that is taught in the book so don’t think it is some “get to 700 in 24 hours” type gimmick! If you follow the steps, you will begin to see real positive results in around 30 days (sometimes sooner).

Other than that, this book is a great way to fix your credit. Just make sure that you keep it that way once it is repaired.

My Smart Money Secret Review (Credit Secret Review) Final Thoughts

After completing my Credit Secret Review, my personal opinion is that if you want to repair your credit quickly and efficiently you should go with Credit Secret (Smart Money Secret). I know the feeling of waking up each day thinking that there is no way out of the whole. Everyone has different circumstances that led them into debt and not being able to pay it all off on time.

This diy credit repair book is a way to real financial independence. You have to follow the steps that Scott Hilton lays out. The credit secrets are real, take advantage of them! This program will help you to succeed and not cost you an arm and a leg while repairing your credit. Check it out today!

Click Here to Get Your Copy of Smart Money Secret (Credit Secret)

Credit Secret (Smart Money Secret) Facebook Group

Credit Secret (Smart Money Secret) Facebook Group currently has more than 30,000 members. It is a page that you can go to and ask questions about the program and about obstacles you are encountering.

It’s also a support group where members share their experiences and support one another. If you’ve ever gone through credit problems in the past, or you are going through them now, then you know how lonely a journey it can be.

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118 thoughts on “Smart Money Secret Review (Credit Secret Review) | 30,000+ Happy Customers!

    1. Damian Post author

      I did over a year ago and new people in the Facebook group are reporting great results and case studies for everyone to see. I have learned even more ideas from other members in the group!

      Reply
    1. Damian Post author

      Yes, very much so. The system that is laid out works as long as you go step by step. There are many people in the Facebook group that have also eliminated delinquent medical bills. If you sign up, you must join the Facebook group! Love it!

      Reply
    1. Damian Post author

      Yes, in the Facebook group, there is actually a discussion going on about this exact topic. Many have used these credit secrets for state AND

        federal tax liens…
      Reply
    1. Damian Post author

      This is why we all use this credit repair system. We all want to improve our credit score so that we can get lower rates on homes, cars, credit cards, etc. People are raising their score 100+ in just a few months…

      Reply
    1. Damian Post author

      Tariq, If you are talking about credit repair help then Scott’s Credit Secret product can definitely help you.

      Reply
  1. Quanita Ashe

    Damian, I need this right now in my life ..I’m a believer that God sent you thing in his time .. So I’m going to try it with your comments I believe this will work in my life .. Thanks a million !!

    Reply
    1. Damian Post author

      Quanita, Follow the steps, join the group and ask questions! It will work! I can’t keep up with all of the success stories in the Facebook group. I don’t even need to repair my credit anymore but still visit the group every few days! haha

      Reply
      1. Damian Harlow Post author

        Hello Erin! I just pulled my latest report (April 23). Please see image…. I still have too much debt but nothing negative remains!!!

        Latest Credit Score

        Reply
    1. Damian Post author

      How are you Felicia? Yes, It tells you what to do step by step for each negative account on your credit report. If you ever get stuck, their support is amazing but as I was working on my credit and had an issue, I would just go to the Facebook group and find what I was looking for. It’s great for that imo…

      Reply
  2. David

    How do I really knows this works? There are ways scammers can look legit. My family needs it really bad if it works. Wife just lost job and credit scores is 500 or below and we have 65 dollars in our savings right now. So 49 dollars really matter to us now. Don’t want to be scammed and family miss out on food.

    Reply
    1. Damian Post author

      David, I totally understand but this is legit. I have used the tactics in this book to raise my credit. Not to mention they offer a 30 Day Money Back Guarantee (From their Terms of Service):

      Billing & Refund Policy:

      Descriptor: Your credit card statement will show a charge from “InfoUp_877-215-6015”.

      Book: You may return the book to us within 30 days and receive a full refund. Returns should be sent to:

      2001 N Hunt St, Terre Haute, IN 47805

      You agree that 30 days is a reasonable time period to fully evaluate the book. All refund requests must be made no more than 30 days after the initial purchase date. Approved refunds will be processed within 3 business days after the request is made.

      Reply
    1. Damian Post author

      Hey Julian, I’m not sure what the problem is. I would contact their support and ask them directly. They should get back to you within 24 hours.

      Reply
    2. Anthony Simo

      hey Julian go to CreditSecret.org/automator …….video should start…if not hit play….approximately
      3/4 through the video a button pops up underneath video box ( displays types of payments…etc..cc’s…paypal ) button takes you to new secure page to purchase the Automator….good luck!

      Reply
  3. Wesley

    Really curious if this will work for short sales? I see that it will help with medical bills and other stuff as well

    Reply
    1. Damian Post author

      Hey Wesley, I just looked through the group and saw multiple people have removed short sales from their credit report. One guy says he has removed 4 foreclosures himself. If it was me, I would try it out.

      Reply
  4. Tammy

    OK, I purchased this package over an hour ago, it stated I would receive an email with in 15 minutes. Have not heard anything yet.

    Reply
    1. Damian Post author

      Hey Tammy, Sorry been out all weekend. Did you get your information? If not please send an email to [email protected]. I am not associated with them but just really love their credit stuff! Plus, I have sent at least 5 or more emails about different issues and they are great to respond. Let me know if you have issues still. I will contact them myself!

      Reply
    1. Damian Post author

      Mary, It’s legit! I was just reading the Facebook group and saw at least 15 new credit increase stories and everyone is using this Credit Secret product! No doubt, if you do what Scott’s teaches step by step, it will work. Not to mention they offer a Money Back Guarantee.

      Reply
  5. Peteri

    Hey Damian.. i am interested but a little hesitant with a lot of scammers now a days.. Is this for reals? Should I trust it?

    Reply
    1. Damian Post author

      Take my word for it, you can trust it! There are currently over 9,600 members in the Facebook group and it is becoming the best credit repair “mastermind” I have ever seen! It’s step by step.

      Reply
  6. J G

    I am confused on how this works. Does is teach you how to budget to pay the items off your credit? Or is there another way it works?

    Reply
    1. Damian Post author

      No, it teaches you how to deal with the creditors and how to get your negative credit accounts removed from your credit score. It is a step by step guide (if you will)…

      Reply
  7. Ford

    After you pay the $49 dollars is that it? And what is the book about? I am really hesitate because it’s so many scams out there

    Reply
    1. Damian Post author

      They have a Smart Money Group (that you get full access to for the first month free). That is if you need more hands on help. I was in it for a few months didn’t really need it myself. Others think it is a huge help. The $49 is all you really need IMO…

      Reply
    1. Damian Post author

      Do you have a negative mark on your credit from student loans? If so, it will show you step by step how to remove them.

      Reply
    1. Damian Post author

      Hey John, I am pretty sure this is just for the US but to be positive, you can email their support and ask before you purchase. That’s what I would do. Cheers!

      Reply
  8. Lilia

    What I need to do to start repair my credit. This eliminate debts from irs, Bill payments, and students loans. Thanks. How Long does it take?

    Reply
    1. Damian Post author

      Hey Lilia. You can increase your credit within the first month. Many people have increased their score by over 100 points in a few months.

      Reply
  9. E.Moore

    So if this program is or was designed to help these people don’t don’t have enough money to pay their bills or buy food for their family, what makes this program think poor people can buy this program or even have a credit card to order this…Sound like a scam to me! Why not let everyone have the access to it and use their testimony to better your company. I know I can not afford 50.00 I don’t even have 20.00 to spare each money.

    Reply
    1. Damian Post author

      Hello E.Moore! I understand where you are coming from on the credit card issue, not sure how to get around that? But, just to be clear, I don’t own the company. I am just someone that used their system to raise my credit so that I could buy a car. I have compared it to other DIY type credit repair books/systems for people to see my opinion. I am a member of the Facebook group and there are now many success stories posted every day from people in every state…

      Reply
  10. Jason Slack

    My wife and I have low credit scores so we ordered the book and received it today 7/20/016 a few pages in and it is making sense. If this system can clear up my dept and raise my credit score it is worth every penny. I would much rather see the word (Approved) rather then (Denied). I will let you know my progress as the time goes by.

    Reply
    1. Damian Post author

      Hey Jason, Please do get back to me to let me know your results! I love to see others opinions on products… good and bad.

      Reply
  11. Ivy

    I’m trying to buy a home. I need my score to go up about 30 points. I have 4 medical collections, 3 late payments, and 5 inquiries on my report. Will your product help me increase my score and how long will it take?

    Reply
    1. Damian Post author

      Hey Ivy! First off, this is not my product (I wish! haha). I am just someone that has had success with it and wanted to tell people about it that have never heard of it! As for your question, you can absolutely raise your score 30 points by fixing some of your issues.

      Reply
  12. Mina

    Damian,

    My husband and I are victims of a so called “friend”, she asked us if we could help she and her spouse out, long story short…..we are co-signers of several private student loans that they have bailed out on. We have given Sallie Mae all of their contact info to no avail. Will this program work for us?

    Reply
    1. Damian Post author

      Hello Mina! I have looked through the group and have seen a few people discuss successful deletions of negative marks due to being a co-signer or are in the process of working to remove these. I have never used it for that my self but people are using this system for that. Just an FYI …

      Reply
  13. Jason clute

    I signed up it froze after the initial order on the Automator screen. I couldn’t download or order the Automator. I didn’t get member login email either.

    Reply
  14. Carmelia

    Trying to buy a home by December and need to raise score. Super skeptical though. Gonna have to pray about this, been scammed before

    Reply
    1. Damian Post author

      Carmelia, I can 100% promise this is not a scam. You have 30 days to try it out and if you are not happy, ask for a refund.

      Reply
  15. Dawn

    I don’t have any negative accounts and my credit score is in the low 700’s, but I am trying to pay down my debt and it’s taking forever
    Also I have student loans but not delinquent
    Would this help me?

    Reply
    1. Damian Post author

      Hey Dawn, unfortunately, I don’t think so. This is for removing negative accounts. If I was you, I would pay the min on the student loans. Then list your accounts smallest to largest. Start with the one with the lowest balance and highest interest rate. Pay as much as you can and get that debt removed and get a “WIN”! Then move to the next. It will take time but it will start snow balling soon enough! Good luck!

      Reply
      1. Elizabeth Robinson

        Dawn I don’t use this product as I am like you I have no negative accounts just had some real tough times and had to rely on credit cards to get through those rough patches. The snowball method Damian mentions is amazing. After you pay off the first debt, take the money from that payment and add it to the payment of the next debt you’re paying off. This will get paid off quicker as you’ve added more money to the payment each month. When that’s paid off just do the same thing add that money to the payment of the third debt. Pretty soon you’re making payments of hundreds of dollars and paying off huge debts in a matter of months. Its is the quickest and least painful way. I managed to pay off several cards that all had large credit limits in a matter of months using the snowball method. This needs to be taught to every on in budget 101

        Reply
  16. Neal Brown

    My name is Neal Brown and my credit score is 507. Using your book how much will my credit improve by next September.I have late student loans payment

    Reply
    1. Damian Post author

      Hey Neal! First of all, this is not my book. I am just recommending it because I have used it myself and raised my score by 100+ points with its step by step system. You have about a month so I’m not sure you will be able to raise it that much but it is possible. I have seen a few people in the group raise close to 100 in 30 days.

      Reply
  17. Alando burch

    Hello

    I’m not sure what product I should be ordering I need to eliminate debts and a higher credit score is it one book?

    Reply
    1. Damian Post author

      Alando, the Credit Secret and Smart Money Secret are the same book/system. This will help you eliminate negative accounts on your credit and increase your credit score.

      Reply
  18. Robert

    Hey Damian. This also works for negative accounts closed already?? And what about late payments? How soon you can see results? Thanks

    Reply
    1. Damian Post author

      Yes, it works for removing negative accounts and you can start seeing results in less than 30 days. 30 – 60 days is when you start really seeing your score improve.

      Reply
  19. Derrick Washington

    This is a true working program that will help you to put yourself in a better situation all the way around!!!!

    Reply
  20. Brian

    Damian, I have a bankruptcy (1 year old) and a collection account (3 years old) on my report. Additionally, I have about 7 negative accounts (credit cards) that were charged off due to the bankruptcy. Will this system remove all of these negatives? I ask because if the negative account are cleared yet the public record of the bankruptcy is still there, I do not see my score going up too much.

    Reply
  21. Tina

    Hi there. Can you get a hard copy of this? I’m not a phone or computer person. If so how can I get a copy?

    Reply
    1. Damian Post author

      Hey Tina, you actually get a hard copy of the book when you sign up. It will be mailed to you.

      Reply
  22. Zia

    Hey Damian, just filed bankruptcy and it’s been discharged, however it has been most difficult to establish new credit and buy a car. I check my credit regularly and am still seeing the creditors, although showing closed $0 balance some say paid, it shows the chapter 7 right at the bottom of the items. Oddly enough I applied for a car loan and had over 10 inquiries (from 1 dealership) I was livid because this wasn’t disclosed to me and it was after my bankruptcy as well. Before I spend money that I so desperately need I want to ensure that my investment is a valuable one that’ll raise my score. All my hopes of getting credit cards, new car loan and credit lines after bankruptcy have been completely depleted. I’ve been working with the credit bureaus to make sure that open accts that were filed under bankruptcy are corrected and even asked about all those inquiries they filed my dispute for the inaccuracies, however I was told that there is absolutely nothing I can do about those inquiries. My dilemma still stands at being lost & stuck!

    Reply
    1. Damian Post author

      Zia, the great think about this book / system is it is truly step by step. It is a process that helps walk you through removing negative credit marks…

      Reply
  23. Tina

    Are the items people are disputing on their credit report leg image or are they trying to remove items on their reports that are errors.

    Reply
  24. Genorse Gilbert Jr

    I am currently (4 months) with a debt resolution program paying them $366 a month for 36 mos to pay off over $17,000 worth of credit card loans and am very interested in joining Smart Money Secrets. Though I am struggling to pay that amount, my greatest fear would be canceling my affiliation with the program only to find out that I would have to directly negotiate payment settlement offers with my bill collectors which again would be financially overwhelming. Is this Smart Money program designed to show how I can legally avoid paying my creditors (delinquent credit card accounts)? I do believe (according to the video) that that’s its reference point.

    If I am understanding this correctly, all I have to do is pay $49 for the book and a $19.95 monthly membership fee, follow step by step procedures on how to become debt free, erase negative credit, and raise my credit score using the Smart Money Secret handbook, right?

    Reply
    1. Damian Post author

      Yes, Credit Secret (aka Smart Money Secret) is a step by step Do-it-yourself credit repair system. You have to do the steps yourself but it sure beats paying $300+ a month to someone else…

      Reply
  25. Mike

    I have bad credit card accounts and tax liens and repo from a car and medical bills. Will they be able to come off if I fellow ?

    Reply
  26. Jess Jlo

    I’m not much of a reader. Never like to read a book but really want to know how far into the book do I really have to read to get the so call 11 words that they say magically works by saying to other creditors.

    Reply
    1. Damian Post author

      Honestly, it is a very easy book to read plus the back end of the Smart Money Secret members area is extremely helpful too! That is where I started.

      Reply
    1. Damian Post author

      Once you sign up, you will get access to the group. It is a private Facebook group that now has over 14,000 members all helping each other. It’s really amazing imo…

      Reply
  27. JB

    Damian my question for you is if you purchase this program for $49 what’s with the $19.95 member fee is that every month or once you become a member that’s all you have to pay please let me know.

    Reply
    1. Damian Post author

      The $49 is for the book and access to the back-end of the members area. You also get access to the group for 30 days. To be honest, that is all you really need. The 19.95 is to have access to the group after 30 days. If you read the book and are active in the group, you will not even need to keep the $19.95 monthly payment.

      Reply
  28. Benjamin Afrifa

    Hi,

    You claim to not be part of the publishers, and just domeonevwho successfully used the program. Yet, you provided an email “[email protected]” for this person to write to you. Are you sure you’re not part of them?

    Secondly, why is the company’s website registered as a “.org” and not “.com”? I know dot com are nonprofit organizations. Are you guys nonprofit?

    I have read all the comments and your response to each one of them.

    Reply
    1. Damian Post author

      I have absolutely zero part of Smart Money Secret / Credit Secret. I am truly just someone that has had REAL success with this and wrote a review for it. As you see on my site, I have written other reviews for other products. This is still the #1 DIY credit repair product in my opinion.

      Reply
  29. MD

    I just saw the video for the SmartMoneySecret, I have only a few questions , is the book $49 dollars , and is that all a customer pays for this service

    Reply
    1. Damian Post author

      The book, access to the quick start members area, and a 30 day free trial to the smart money group is what you get for the $49. After 30 days, you can either cancel the membership or pay the monthly fee until you get your credit back to where you want it.

      Reply
  30. Jaime Cantu

    I have 10 credit cards with negative remarks and 6 that have lates on them and 7 that are paid on time, I had signed on to a company that gets credit cards for you and they got me 18 credit cards that I used in order to keep my doors open when the economy tanked back in 07-08 and the cards have been taking its toll ever since, does this program have something for me. I have negotiated terms with 7 of them and 3 companies so far have refused to give me terms.

    Reply
    1. Damian Post author

      I believe this book and program would definitely help you remove some of these negative marks (if not all) on your credit rating.

      Reply
    1. Damian Post author

      It’s on this page… Just click the link and be sure to watch their smart money secrets video… It’s pretty cool!

      Reply
  31. Robert

    Mt credit rating was 677 before I was told that I had cancer. I took radiation and chemo for about 14 months. I am now cancer free. During that term It was very expensive to pay for ( I had no insurance ), and was not able to work. Needless to say My credit rating went down the toilet to 504 and right now I don’t know, Just don’t want to check any more. I have late payments and 5 credit cards that haven’t been paid for close to a year. I am retired and with the low payment I get from the government I am fighting to keep my house and feed myself and my 12 yr. old daughter. Would this program help me at all ? Desperate and in need of HELP !!!

    Reply
    1. Damian Post author

      Hey Robert, first of all I’m praying for you sir! Scott’s Smart Money Secrets Book has helped thousands of people remove negative credit marks on their credit score which in turn, raises their score. Obviously everyone has different issues but if I was in your shoes, I would try this system out.

      Reply
  32. kwesi

    hey….. i have bad credit from lossing my job and not being able to pay my bills….. creditors are collection agency are vslling around the clock…. i dont have $50.00 to waste nor in my pockets but i will borrower it if i know for sure that this program will help me. please advice

    Reply
    1. Damian Harlow Post author

      There are over 20,000 people currently in the Facebook group. It has worked for thousands of people, why not you?

      Reply
  33. Gary Vineyard

    Damien,

    First, thank you for taking the time to do this. Not many people would freely do so. My question is, have you had any responses from people who have signed up and had similar success? I’ve read each tag but none are testimonies of it working for them with the exception of yourself. I’m sure it works but like many, skeptical due to the scams out there.

    Thanks,

    Gary

    Reply
    1. Damian Harlow Post author

      Hey Gary, This gentleman posted this 2 days ago. He is one of over 27,000 people in the group.

      Smart Money Secret Results

      Reply
    1. Damian Harlow Post author

      I never continued with the monthly program and I am still in the Facebook group. The book, which has been updated recently is all I needed.

      Reply
        1. Damian Harlow Post author

          You will have the book has a PDF instantly and the hard copy will be sent to you within a few days.

          Reply
  34. Pingback: Important Things To Consider Before You Make A Bad Credit Home Loan - Credit Secret Reviews

  35. kimba

    Why is this program being posted as a scam?
    I want to know the truth the reason is that I have lost lots
    of monies from scammer and just hoping once this a
    real program all I want is that you be honest and tell the truth about the
    program

    Reply
    1. Damian Harlow Post author

      It’s not a scam. If you buy the product and still think it is a scam, they will refund you.

      29,000+ people are currently in the group. So Many Success Stories Daily!

      Credit Secret Group

      Reply

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