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You may have heard the hype about Credit Secrets. Some people even call it the “Smart Money Secret Book” or the “Secret 11 Words Book”. But does the book live up to the hype? Find out in this Credit Secrets book review.

Everything I have read about this book was so over the top positive that it made me start to wonder if it was just too good to be true. If you know anything about the credit repair industry, then you know my reservations and concerns about a scam were understandable. 

So I decided to find out for myself.

Overall, I think the book is worth its cost. The smart money secrets given throughout this DIY credit repair book are much more than a temporary credit fix. They are credit lessons that you can use for the rest of your life. Implementing these strategies takes a lot of work, but it’s worth it.

What Are The Credit Secrets Book And The Smart Money Secret Letters?

As I reviewed Credit Secrets by Scott and Allison Hilton, I quickly realized it was much more than just a do-it-yourself (DIY) credit repair letters book.

Credit Secrets reviews much more than just how to send letters to creditors. This is a complete do-it-yourself credit repair kit. 

In the first Chapter, Scott and Alison take a lot of time explaining how your credit works, how to analyze your credit report, how the credit bureaus work and the laws protecting your rights and governing the creditors. 

 The first chapter of Credit Secrets is a comprehensive and effective strategy to take on creditors and credit bureaus. One point it discusses is the importance of keeping your address updated on your credit reports and why you should have all of your past addresses removed from the three big credit bureaus: Experian, Equifax, and TransUnion. 

This is because when creditors send in negative account information about you, the address included must match your address exactly. Or, when the credit bureau attempts to verify the record it will not match and can be removed for this reason.  

☝️ If you only have one address in your file, the likelihood that the creditor will provide the wrong address is much higher than if you have multiple addresses in your file including all the common spelling variations. 

Not only do they lay out some very sound strategies like the one above, but they also provide sample letters to send to the credit bureaus to have your old addresses removed. This book is full of sound legal credit secret loopholes. 

The meat of the book is definitely their DIY credit repair letters. They provide you with sample letters to be sent to your creditors and the credit bureaus that can force them to remove derogatory reports or act in a way that benefits you.

☝️ Pay special attention to these topics and letters found in Credit Secrets. The advice in these sections can quickly increase your credit score: 

  • Delinquencies
  • Student loans
  • Charge offs
  • Tax liens
  • Late payments
  • Collections
  • Repossessions
  • HIPAA
  • Bankruptcies
  • Foreclosures
  • ChexSystems
  • Small claims court

Is The Book Legit?

The question is a good one to ask. In the credit repair space, you have to be suspicious and careful with the products and companies you choose. 

Some of the stories and testimonials in the book and on their promotional websites are not believable. One story claimed that an unemployed actor used the 11 words and the do-it-yourself credit repair letters and was able to purchase a Maserati in a short time. 

They fail to explain how an out-of-work actor got the money to purchase a 100k car or how a creditor would ever approve a loan of that size for someone without a job. Maybe the point was that his credit was good enough to qualify for a large auto loan, but the story itself is hardly credible. 

It’s hard to come up with great testimonials for people with bad credit because they don’t have a lot of money or buying power and are just trying to find financial freedom. 

Most testimonials, say, ‘My credit score increased 100 points in 30 days!’ which is excellent but not as cool as” I bought a Maserati 90 days after reading Credit Secrets.

Testimonials from the CreditSecrets website

Does this make Credit Secrets a scam?

I do not believe so. As a former attorney, I believe the strategies advocated in this book are legal and exploit credit repair loopholes and protections the government has given you.

Do some people see this type of practice as a scam or somehow not legal? 

Maybe, but those same people probably have 750, 800, or 850 credit scores, and nothing better to do than judge those of us not as worthy as them. 

How Much Does It Cost?

The Credit Secrets book reviewed cost $39.95 plus taxes and shipping and handling… if you don’t wait on the purchase page for a few minutes. If you sit on the checkout page and do not check out, after a few seconds a button will pop up asking you if you want to buy the book.

Click on the button, and you will not have to pay for shipping and handling. In fact, I’d suggest you decline to purchase any of the add-on products in the initial offering because the next page will offer the same product for less money if you pass the first time. 

Looking for FREE sample credit dispute letters?

Free Section 609 Credit Dispute Letters: Samples, Templates & PDFs

There are additional upgrades such as the Automator DIY credit repair letter writer which will automatically format all of the letters to your creditors and the credit bureaus. Just add your account information and press print! I think this upgrade makes a lot of sense, and it only costs a few more dollars. 

I did not sign up for the guaranteed $10,000 credit limit offer. They offered an additional ebook about how to qualify for a mortgage and buy a house. I did not purchase that either. 

Credit Secrets Book Reviews 

We spent a few hours reading reviews from their customers and overall they were extremely positive. 

Credit Secrets reviewers appreciate the ease of use of the smart money secrets program and how effective it has been for them. 

The reviews found the book extremely detailed and said it gave credit repair seekers an effective road map to doing it themselves.

One reviewer thought that purchasing the book was better than hiring credit repair services but then pointed out that do-it-yourself credit repair is a lot of work. 

This is why so many people turn to a credit repair to help fix their credit for them, it simply is so much work to do on your own.

If you do choose to take on this monumental task, Credit Secrets can help you along. 

Credit Secrets BBB Reviews – Better Business Bureau

Credit Secrets is owned by Info Up LLC. The Company was started in 2016 by Jay Delboldt, according to the Better Business Bureau. 

There are only three Credit Secrets BBB reviews so it would be unfair to make too much out of them but one of them is extremely positive. 

The Credit Secrets BBB rating is a B-. This appears to be because Info Up LLC does not respond to complaints filed on the Better Busines Bureau site. 

This is pretty typical of companies like Info Up who refuse to pay the large annual fee to be accredited by the BBB.

Nonaccredited companies on the BBB on the whole have much lower ratings than accredited companies…

How Do I Order?

You can order Credit Secrets on their website only. You cannot purchase the book anywhere else online.

Upon completion of your purchase, they will send you a hard copy of the book, and you will be given immediate access to a link for the Credit Secrets Book PDF file.

Be sure to complete the do-it-yourself credit repair tutorial software so you will be familiar with all of the tools they offer.

Can I Cancel And Get My Money Back?

Credit Secrets has a 100%, no questions asked, 30-day money-back guarantee. To cancel your order and receive all of your money back for free, all you need to do is email the Credit Secrets customer service team within 30 days of your purchase that you would like to cancel and your money will be refunded. They won’t even make you send back your Credit Secrets PDF file! 

Alternative Ways To Quickly Improve Your Credit Score

DIY Credit Repair is a lot of work, and some of the letters you send will not have the effect that you want. Some entries on your credit report are legitimate and cannot be removed.

You can also improve your credit by building a responsible, positive credit history. Those old negative entries will remain on your credit report for seven years, but their influence on your credit score will fade with time. If you add new positive entries you can push your score up. Start with these 8 no-nonsense strategies to rebuild damaged credit.

The book Credit Secrets contains useful information that can help you repair your credit and avoid using a credit repair company. It also contains some hype and exaggeration, so you’ll have to use common sense about what to believe. If you’re really in over your head, consider credit counseling or even financial therapy.

🔎 Additional Credit Repair Resources

DIY Credit Repair:

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements, or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved, or otherwise endorsed by any of these entities prior to publication.