Business credit coaching clients come to me often with a fundamental dilemma — they need to repair their personal credit before they can obtain high business credit limits. While I do teach how to obtain business credit without personal guarantees, clearing up personal credit can be a massive weight off your shoulders and opens you to a world of options. The Credit Secrets book by Scott and Alison Hilton claims to have all the answers. But, does it really?
I’ve read the book, I’m a member of the Credit Secrets Facebook group, and my career was built on credit consciousness. Here’s my honest and straightforward review of the program.
This is what I’ll cover:
Now, learn what you’ll get if you buy the book.
What is the Book Credit Secrets About?
Credit Secrets (yes, I’m referring to the book that was featured on Larry King) is nine chapters of advanced credit hacks.
- Getting Started
- Getting Inaccurate / Incomplete / Unfair / Unverifiable Items Removed
- Advanced Tactics
- Lawsuits
- ChexSystem Removals
- Student Loans, Repossession, and HIPAA
- Advanced Credit Techniques
- Frequently Asked Questions
- Statute of Limitations Chart
In the end, the book includes a glossary of credit terms used in the text.
Consumer credit reports are filled with errors that often go overlooked. But, if you know what to look for, you can leverage these errors to your advantage; this is the premise of the book. In a sense, you can erase bad credit history with the knowledge you unearth after reading the Credit Secrets book.
In a nutshell, you will learn to make it seem as if credit bureaus will have an easier experience removing negative items from your credit report than leaving them there. And, you will learn what to do and what not to do.
What Questions Does the Book Answer?
This book is a step-by-step guide for rebuilding credit, even in the most complicated scenarios. If you seek answers to questions like the following, you’ll find them in Credit Secrets.
- What is the best way to deal with defaulted loans and vehicle repossession?
- What can I do to recover from bankruptcy or foreclosure?
- Can I remove liens and judgments from my credit report?
- How do I file a credit dispute and what can be disputed?
- What is the fastest way to rebuild bad credit?
- How can I get out of ChexSystems?
- How can I raise my credit score?
- How long does it take to rebuild credit history?
- What do I need to know about consumer protection laws?
And, they’re not just general answers that you can already find online. Most chapters include step-by-step tutorials, including common legal loopholes, as well as letter templates to send to creditors and credit bureaus.
What Will You Learn About Consumer Protection Laws?
Now, what really sets this book apart from other personal credit repair offers is that it lays out the steps you can take to file small claims lawsuits against creditors, credit bureaus, and collection agencies. The authors share 17 common reasons that you could legally take these parties to court, which laws you should understand to identify if you’ve been wronged, and the dollar amount of damages (fines) you could be able to collect in court.
For example, credit bureaus are required to respond to certain consumer communications within a set amount of time. Creditors have caused injury if they report inaccurate information. Collection agencies must abide by strict laws that they often do not follow. Once you know your rights, you may find that certain negative aspects of your credit report are legally invalid.
In addition, the book includes courtroom tips that can better your chances of success. These tips are followed by real-life examples of lawsuits won by consumers, both anecdotal from Credit Secrets members and legal citations for specific cases. Finally, you will learn how to find a registered agent and when you must hire legal counsel.
*Keep in mind that the authors of this book are not attorneys. You should always seek professional counsel when seeking legal advice.
Still, what you learn by implementing the guidance shared in the Credit Secrets book can have a major positive impact on your financial health and personal credit scores; this book has all the information you need to see amazing results. In fact, it is better than many credit repair services, as long as you’re willing to put in the work.
| How Much is the Credit Secrets Book? If you purchase from creditsecrets.com today, Credit Secrets will cost a flat-rate of $29.95 (usually $39.95). Plus, the authors throw in several gifts. Monthly access to the Smart Money Club online member portal is $38.60 per month, which also gives you the Credit Secrets audiobook for free. *You will be automatically enrolled in Smart Money Club, so contact the company within 14-days if you don’t want access to your member dashboard. |
What are the Added Bonuses?
Bonuses like guaranteed $1,500 lines of credit and how to obtain business credit can be found in your member dashboard upon purchase. So, even if you manage to find a copy of the Credit Secrets book free or at a discount, you’ll probably want to pay for a membership to access the most valuable tips and tricks.
And, that’s not all — to understand the value of the offer, learn what else you get when you purchase the book.
As of today, if you purchase Credit secrets, you will get the following:
- Credit Secrets Guide to Business Credit
- Credit Secrets Quickstart Guide
- Secret Money Method
- Shipping Discount
- *Two-week access to Smart Money Club
You’ll get a guaranteed credit referral, business credit and quickstart guides, a shipping upgrade, and two weeks access to the Smart Money Club online member portal as gifts.
I expect that the bonus products will continue to change with market demand and as the core offer evolves over time.
+The Money-Back Guarantee
One thing I don’t expect to change is the refund policy, a 100% money-back guarantee. For any reason, if you return your book within 30 days, you will get your money back. And, if you meet certain criteria, you can get double your money back after three months.
- Proof of purchase at least 90 days prior
- Verified login to the online member’s area
- Completion of the Jumpstart Training inside the member’s area
- Receipt for three certified letters sent to a debt collection agency, creditor, or credit bureau requesting removal or update of erroneous information
If you can show all of these things, you can get a check for $79.90 via check or PayPal within a month.
Final Thoughts
The Credit Secrets book is an ‘as seen on TV’ product. If you go fishing through Amazon, B&N, or eBay, it will be difficult to find a hard copy of the text, which might make you think it’s a scam. But, it’s not.
Furthermore, a used copy of the 2017 version of the book, previously titled “Smart Money Secret,” goes for upwards of $42 on Amazon. So, the $30-40 price tag you see on the branded website is pretty much a steal.
The book alone might be valued higher than the asking price. Especially with the added bonuses, this is definitely a worthwhile offer.
And, can you use this information to erase bad credit history? In some cases, you can. In all cases, you can use what you learn to take control of your personal credit.
While the tactics covered are legal, to my knowledge, I don’t recommend bending any of the included strategies without counsel from an attorney. I do recommend you check it out right away. And, if you’re interested in learning how you can obtain up to $100K in business credit that won’t show up on your personal credit report, start here.