Is The Smart Money Secret a Scam ?

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.

Most people understand how easily and how quickly a credit score can be damaged, simply by missing a single credit card payment or by getting sick or injured and racking up medical bills which are expensive and difficult to pay.

This can quickly become a difficult hole to get out of, with late fees, higher interest rates, double payments, and other issues which can further exacerbate finances, resulting in lower and lower credit scores in a short period of time. How Does Smart Money Secret Work?

Smart Money Secret was built to show and teach you a safe, 100% legal way to clean up “every single negative mark on your credit report” and raise your credit score by 165 points in under 30 days.

You can do this without filing for bankruptcy or impacting your future credit score. You also don’t need to hire a pricey lawyer or work with a scammy credit repair/consolidation agency. Best of all, you don’t even have to call your creditors or collectors on the phone or have any previous knowledge of credit laws.

Does all of this sound too good to be true? Like most of us, we realize how wild and chaotic the financial credit industry can be but this is the core of the Smart Money Secret and what it has to offer.

Jay calls it “a loophole that can’t EVER be closed.” It relies on two important federal regulations, including:

The Fair Debt Collection Practices Act (FDCPA) The Fair Credit Reporting Act (FCRA)

Jay claims that hidden within these regulations is a powerful 11 word phrase that – when used in exactly the right away – activates a “powerful credit protection mechanism” that instantly prevents creditors from harassing you.

In any case, Smart Money Secret gives you a specific set of instructions that helps set you up to speak the 11 word phrase.

You also get letters you can send to your creditors to prevent them from harassing you which is a pretty big deal in itself given how harsh and tedious these agencies and collection services can be. What’s Included with Smart Money Secret?

Smart Money Secret includes the Smart Money Secret text (printed and delivered to your house) along with a series of bonuses. Here’s everything that’s included with the program:

Smart Money Secret Book Scott & Alison’s Credit Secret (60 minute online video that explains how Scott and Alison Hilton used the lessons above to finance a Maserati at a lower rate) The Exact 3 Step Letter Sequence That Can Raise Your Credit Score Up to 165 Points in Less than 30 Days 30 days free access to the “Smart Money Club” (you’re automatically charged a monthly fee once these 30 days are over)