Smart Money Secret Review: Is This Just Another Scam?

John Parker - November 03, 2020

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Having a reliable credit record can make your life a lot easier, but for many people, good credit seems perpetually out of reach. In this smart money secret review we see if this product can actually fix your credit. 

Smart Money Secret can help you take control of your credit score so you can access game-changing financial products, like low-interest mortgages, lucrative rewards credit cards, and more.

The masterminds behind SMS claim the product can help you significantly increase your credit score in just a few months. Best of all, it can have long-lasting benefits for your credit.

In our Smart Money Secret review, we will put this credit repair system to the test and tell you if it lives up to the hype.  

>>Click here to sign up for Smart Money Secret now or keep reading for more info<<

smart money secret review

Smart Money Secret Review: Understanding Credit Scores

Your credit score is basically a measure of your financial responsibility. If you have a high rating, you can access better lending terms and higher-quality credit cards.  

Your credit score is calculated using several factors. Some of the most important elements include payment history, outstanding debts, credit utilization, and the average age of your credit accounts.

Credit monitoring companies weight each factor individually to reflect their overall importance, and then they use your ratings in each category to determine your three-digit credit score.

Battling Bad Credit

Once your credit score drops, it’s a lot harder to fix. Even if you paid off your entire debt tomorrow, your credit could take years to recover.

There are thousands of credit repair agencies that promise relief, but many of them just offer lower-interest loans for debt consolidation. Unfortunately, this approach creates more debt, so it doesn’t address the issue.

Even worse, the debt consolation industry is rife with scammers looking to take advantage of desperate people with poor credit. 

Fixing your credit score might seem simple enough, but you need to have a strategy. A planned approach to your debts can save you tons of money and lots of time.

There are no shortcuts to fixing your credit, but there are many lesser-known tricks you can use to make the process less painful. 

That’s where Smart Money Secret comes in. This proprietary credit repair system provides a proven framework for repairing your credit quickly and efficiently.

If you’re struggling with your credit score, Smart Money Secret is a game-changer.

Smart Money Secret Reviews: Street Cred

The Smart Money Secret system was designed by Scott and Alison Hilton. The couple wrote the book and after they overcame their own troubles with lousy credit.

They battled poor credit for over 7 years, but then they found a secret that changed everything. In just two years, they used this loophole to boost their score from the low 500s to over 800. 

Now, the husband/wife duo is sharing the secrets to their success with the world.

They’re so confident about the Smart Money Secret system that they promise to improve your credit within 30 days. If the program fails to deliver, you get your money back. 

>>Try Smart Money Secret risk-free 30 days and get a refund if you’re not satisfied<<   


smart money secret reviews

Smart Money Review: What’s Included?

When you buy Smart Money Secret, you get:

We will cover these features more in-depth below. First, we should say that the term “service” is a bit misleading.

Smart Money Secret will not settle your debts for you. Instead, it gives information on the best way to go about getting your debts settled. You will still have to contact the crediting agencies on your own. 

Smart Money Secret Review: The Book

The Smart Money Secret hardcover book includes 10 detailed chapters discussing a variety of financial subjects.

Each section contains loads of high-value content and easy-to-understand instructions. Here’s an outline of the book’s content: 

“Getting Started.”

The first chapter is about the basics of credit, including credit scores, how credit is reported, and what kinds of behaviors affect your credit score. 

“Inaccurate/ Incomplete/Unfair/Unverifiable Items Removal”

This chapter focuses on removing bogus charges from your credit score, contesting purchases or charges on your account, and navigating public records and filing complaints.

“Advanced Tactics

The third chapter contains most of the “secret” weapons that Scott and Alison champion. 


Chapter 4 focuses specifically on filing lawsuits. This information in this chapter mostly applies to extreme cases, but it teaches you how to file lawsuits against credit companies. 

“ChexSystem Removals”

This self-explanatory chapter tells you how to remove your name from the ChexSystem.

“Student Loans, Repossessions, and HIPAA”

Learn how to address the unique challenges associated with student loan debt. 

“Advance Credit Techniques”

This section covers more of the authors’ Smart Money Secrets.

“Frequently Asked Question”

Includes a list of commonly asked questions and issues surrounding credit and credit reporting.

“Statute of Limitations Charts”

A state-by-state breakdown of credit reporting limitations.


The Smart Money Secrets program also includes a 60-minute webinar that explains the system in detail.

In the presentation, Scott and Alison walk you through their unique process and show you how to settle your debt for less than you owe. 

Letter Templates

Use these letter templates to contact credit agencies so you can effectively address your debts. The SMS team designed these templates to be as effective as possible.

Most of the letters focus on convincing creditors to reduce or eliminate your debt, but they also cover various other situations. 

Smart Money Club: Members Site

Your purchase also includes 30 days of free access to the Smart Money Club. This members-only website serves as a central hub for the SMS user community to discuss credit secrets and tips.

It’s a great place to find more credit tips and connect with like-minded people.   

Facebook Group

You can also join the SMS private Facebook group. The group serves many of the same functions as the site, but some social media users might prefer socializing through Facebook instead of the website.

Plus, it gives people a streamlined forum to connect and share their progress. 

>>Sign up for Smart Money Secret to access these resources right now<<

Is Smart Money Secret Legit?

The creators of smart money secret say the program can raise your credit score within just 30 days.

They also say the program can help you receive $1,500 in credit instantly and deliver your first credit win in as little as 24 hours. These are bold claims, but the program mostly lives up to its promises.

So, does Smart Money Secret work? The answer is yes, but there are some things you should know. You can’t just flick a switch and fix your credit. SMS teaches you proven techniques for improving your credit score.

It’s up to the user to make the system work, so you have to put in the footwork to alleviate your debt. 

The program’s effectiveness depends on the amount of effort you put into it. Tips and tricks are useful, but they need to be implemented. You also need to practice good financial habits to make it work.

Pay your bills on time, don’t run up your debts, spend responsibly, etc. You won’t get anywhere if you’re not executing on the fundamentals.

Smart Money Secret Reviews: Cost and Value

Smart Money Secret is available for a one-time purchase price of $49. After that initial $49 purchase, you’ll pay $19.97 per month for continued access to the Smart Money Club.

This charge recurs until you cancel. Remember, the program includes 30 days of access, so you have a full month to decide if the Smart Money Club is right for you. If you don’t like it, you can cancel to avoid the $19.97 monthly renewal. 

The company also offers a 30-day money-back guarantee, so you get a full refund if you cancel your subscription within 30 days. No questions asked. 

>>Get the resources you need to fix your credit for a one-time cost of $49<<

Smart Money Secret Review: Word on the Street

The official website is full of stories about people who were in crushing debt but managed to overcome thanks to the Smart Money Secret program.

Obviously, we expect the official page to have positive reviews, so we looked on the internet to gain deeper insights. 

Generally, online communities speak highly of Smart Money Secret is the real deal. Many users applaud the program for its high-value information and say the techniques covered are well worth the admission price.

The strategies included in the Smart Money Secret system aren’t the kind of run-of-the-mill credit tips you can find for free all over the internet. These advanced techniques are relatively unheard of outside of professional debt collector circles.

It would take countless hours to research all this exclusive insider information on your own. 

All and all, Smart Money Secret is a great program that is jam-packed with high-value information. Fixing your credit is not easy, and, at times, it’s downright overwhelming. However, having a plan can make a big difference.

Smart Money Secret can help you take control of your finances so you can start working towards a brighter future. If you think there’s no hope for your credit, you need to look into the Smart Money Secret system before throwing in the towel. 


  • Simple, easily actionable advice is widely applicable
  • Can actually help lower your credit score in a reasonable amount of time
  • Gives tips and advice for non-traditional methods of handling credit woes
  • 30-day money-back guarantee is generous

Smart Money Secret Reviewed: The Final Verdict

So, is Smart Money Secret legit? We answer a resounding YES. Smart Money Secret is a total game-changer for people struggling with debt, and it can have an enormous impact on your finances and your mental well being.

If bad credit is stressing you out, you’ll feel so relieved when you finally take control of your debt with the SMS system. It’s simple, easy to follow, and highly effective.

Best of all, the SMS team offers a 30-day moneyback guarantee, so you can rest easy knowing you’re covered if you’re not satisfied. 

That’s it for our Smart Money Secret Review. Bad credit isn’t going to fix itself, so don’t wait another day. Start fixing your credit today with Smart Money Secret.

>> Ready to fix your credit with the smart money secret? Get started today! <<


John Parker is a finance writer and journalist based in the Outer Banks, NC. He worked in finance for several years before branching out into his writing career. He is The Stock Dork's chief review writer and works with several other online publications.