This is the most updated Smart Money Secret review you’ll find on the web (Updated last month).
It’s important to know that many article variations are claiming an honest Smart Money Secret review whether it is “100% exposed.” or is it a scam? Well, those are all OUTDATED.
Maintaining a good credit score is sometimes causing a lot of people a huge dilemma. And whenever they find themselves in that situation, they often struggle in turning things around, or specifically, getting their credit scores higher.
This is undeniably one of the worst financial situations that may happen to you. Whenever you go ahead and try to buy a car, you will be extremely disappointed once you learned that your credit score is low; therefore, your purchase will not be processed unless you are able to pay cash upfront—and trust me, that is extremely difficult to attain.
Unless of course, you are rich. You will definitely be able to pay upfront.
But for us? We have to stick with our credit cards and maintain a good credit score of 750 and above. And falling below 750 can happen in just a blink of an eye. And when that happens, you will have trouble with buying almost anything in a shopping mall.
This hindrance is quite apparent, especially nowadays, since everything is becoming expensive and not everyone can afford to pay in cash immediately.
Luckily, there are a bunch of tips and tricks that will surely help you keep your credit score above 750. There are even books and webinars available online that were received well by a lot of people who have had some financial trouble, specifically with their credit scores.
In this review, I will be talking about Smart Money Secret. Will it be worth a shot? Will it help you solve your credit score problems? Well, I will be detailing everything that is included in this book as well as the other bonuses that you will receive once you purchase it.
What is Smart Money Secret?
The Smart Money Secret is a book that has a complete collection of tips and tricks that will help you boost your credit score effectively. It guides you through a step-by-step system that makes it easier for everyone to comprehend the information found inside the book.
Although at first, it may seem unlikely that this book will turn your financial struggles around, in reality, it actually does. I can personally vouch for it since I got it, and my credit score has become consistent for many months now. The tips found in this book are extremely helpful and will definitely remove the financial stress you currently have.
Of course, you would have to be diligent and be true to what the book teaches you to do.
Aside from the book itself, there is also additional content that will surely provide you top-notch tutorials which will maximize your likelihood of keeping your credit score above 750 all the while getting out of your nasty debts.
Who are the minds behind Smart Money Secret?
The Smart Money Secret book and the other included bonuses were authored by Scott Hilton and Jay Hannon. Both of them are very knowledgeable when it comes to finances and credit scores since they have had their own fair share of experiences relating to credit issues and processes.
Scott and his wife, in particular, had experienced being broke and were in a lot of debts. This obviously triggered a lot of inconveniences for them, one of which includes some collector agents hassling them about their late payments.
But during this hardship, they managed to learn a lot about the things they should have done to prevent this terrible situation from happening to them. This experience played a huge part in authoring the book and creating the included webinars.
Jay Hannon, on the other hand, worked for over 5 years in the credit collection industry. Therefore, he is already familiar with the nooks and crannies of credit card management and credit score maintenance.
Both Scott and Jay collaborated and combined their collective knowledge and experience into a system that will help other people to avoid falling under a horrible financial situation which will lead to a lot of complications once it is not handled properly.
What is included in Smart Money Secret?
Smart Money Secret Book
There are 10 chapters included in the Smart Money Secret book. All of which are very detailed and are easy to understand since the information is conveyed clearly.
These chapters are:
- Chapter 1: Getting Started
- This chapter contains all the basic information you need to know about analyzing your credit scores, reports, and other known facts about the entities involved. The information found here is essential since it will help you start almost immediately with the first step. The first step is removing the present inquiries in your credit report. And to achieve this, you will be given 3 free inquiry removal templates which are easy to edit and use.
- Chapter 2: Getting Inaccurate / Incomplete / Unfair / Unverifiable Items Removed
- This chapter includes a wide variety of letter templates that you can use if ever you needed to send one out. It includes information on what letter to use in a particular situation.
- Chapter 3: Advanced Tactics
- You will find the tricks you can use on public records and filing complaints. This also has a fully working loophole that will help you avoid bankruptcies.
- Chapter 4: Lawsuits
- This chapter is for anyone who is deep into the credit score mess. Meaning if you are actually with or planning on getting a pending lawsuit where a court session is needed, you should never skip this chapter. This chapter is not for everyone, and you are free to skip it if you do not have the need for it, but it is still rich in information that you might need in the future—which I hope you will not.
- Chapter 5: ChexSystems Removals
- In this chapter, you will be taught the best way to remove your ChexSystems credit reports.
- Chapter 6: Student Loans, Repossessions, and HIPAA (Health Insurance Portability and Accountability Act)
- Included in this chapter is the basic information you need to know on handling student loans, repossessions, health insurances like medical bills, and other collections.
- Chapter 7: Advanced Credit Techniques
- This has got to be my favorite chapter since it teaches you how to increase your credit score by using advanced proven techniques and strategies.
- Chapter 8: Frequently Asked Questions
- Chapter 9: Statute of Limitations Chart
- Chapter 10: Glossary
- Although it is only a glossary, this will actually be useful if you are unfamiliar with the terminologies used throughout the book. I actually found myself shifting from most of the chapters to the glossary for most of the time. It helped me understand the techniques better.
The Exclusive 60-Minute Webinar
Apart from the Smart Money Secret book, Scott and Jay also included a 6-Minute Webinar that is exclusive only to those who bought the book. This webinar will include the necessary strategies that they had personally used to solve their financial crisis and remove the burden altogether.
Not only that, but they also highlighted more proven strategies to improve your credit scores.
To say the least, the 60-Minute Webinar is almost exactly the webinar interpretation of the Smart Money Secret book. This is great since there are people who are keener on learning things through videos rather than reading books.
Exact 3-Step Letter Sequence
This sequence is for anyone who is in a hurry to increase their credit score significantly. But the catch is, this is not an instant solution; it will actually take at least 30 days before you can see the results.
In this bonus, you will be given pre-written letters that are ready to be sent out once you fill in the required information about you and your credit account or score. It is a nice and very efficient bonus, if I may say so myself.
The Smart Money Secret Facebook Group
Once you purchased the book, you will also be able to join the Smart Money Secret private Facebook group where you will be able to interact with a lot of active members. You can ask them for pieces of advice, assistance, and of course, make friends with them.
Plus, this group will also increase your confidence significantly because of their posts. The members are always sharing their experience on Smart Money Secret and telling everyone on how successful the book has been in helping them improve their credit scores and rise up from their depts.
And I must say, the members are a very active bunch—plus, they are immensely approachable.
30-Day Free Access to the Smart Money Club
You will also get to join the Smart Money Club, which is considered to be the VIP group of the Smart Money Secret community. The club usually has a fee in order to join, but once you get the Smart Money Secret book, you are legible to join for 30 days.
Smart Money Secret Pricing
You can get the Smart Money Secret book for $49. This is quite reasonable since it can be seen as a package deal where you can get a lot of valuable content along with the book itself.
Other than that, you can also get a refund if ever you feel like Smart Money Secret is not doing anything to improve your credit score or situation. The refund will only be available in 30 days have not yet passed. The great thing about Smart Money Secret’ refund policy is that you will receive double the initial payment just because you considered them in the first place. It is amazing for them to show such an appreciation to their members.
Pros & Cons
What I like about Smart Money Secret (Pros)
- It has proven strategies and techniques on how to improve credit score as well as on how to get away from terrible financial situations.
- 30-day money-back guarantee which pays you to double the amount you initially paid
- The information is very easy to digest
- Rich in valuable content
What I do not like about Smart Money Secret (Cons)
- A bit too expensive for what it offers if I am being honest. But nonetheless, it is still a reasonable price.
- This is not for anyone who wants the results to be instantaneous. You would have to work hard to achieve your goal.
Credit scores are very important despite how easy it is to brush them off too quickly. You will never even notice how fast your credit score can decrease in just a single day. That is why it is extremely fortunate that books or training programs like Smart Money Secret are there to provide the necessary information regarding financial management.
I understand that not everyone experiences these financial problems, but sadly, there are a lot of people (even the ones I know) who struggle in their daily lives solely because of their credit scores being too low.
I would highly recommend Smart Money Secret to those who are currently in these situations as well as those who feel like they need some guidance on how to manage and maintain their credit scores to avoid finding themselves in such a dilemma.
It has an overwhelmingly welcoming community who are active and are more than willing to help you with your problems and queries regarding Smart Money Secret. Not only that, there are webinars that offer more valuable information as well as techniques.
It is an overall great product that you should buy I ever you get the chance. The bonuses are really neat, and content is far more informative than some books or webinars about credit scores are—which is the truth because some of these are straight-up scams and are most likely to put you in bigger trouble.
So, what do you think about Smart Money Secret? Let me know your thoughts in the comments below!
I hope you have enjoyed my Smart Money Secret Review. If you have any doubt or queries, please let me know in the comment box. I will be glad to assist you.