Hey Folks, Thanks for stopping by to check out my Smart Money Secret Review.
I just want to let you know right away, I DID get the Smart Money Secret Book, and yes it really DOES work (proof below*). In this SMS Review I’ll be showing you EXACTLY what it’s about, and giving you a sneak peak into the Private FaceBook group too! (With now over 19,000 very active members!)
Important: If you find my review useful, and I really hope you do – would you please close the sales page if it’s currently open and pick up Smart Money Secret via my link here? I get a small referral fee if you do, and it helps me pay the bills!
Anyways, enough rambling – I’ll get to the reason you’re here:
What IS Smart Money Secret all about?
I got it so I can show you!
To sum things up in a few short sentences…
Smart Money Secret helps to put you in control of your credit report and credit score. It helps you ‘turn the table’, so to speak, and legally force creditors and collectors to realize it’s in THEIR best interest to just make you go away by REMOVING your negative and erroneous items.*
I’ve been in your shoes before! My Credit Score was 550!
- My Credit Used to SUCK, as mentioned above, it was 550 or so
- I was able to bring it up to 812 and KEEP it there for 5 years now using nothing more than the methods Smart Money Secret teaches.
The entire process took ME about 2 1/2 months or so and was much easier than expected.
A little while back I wanted to buy a USED car (1997 Honda Civic) for my then girlfriend/now wife – it was $7k and the interest rates they wanted to give us were STUPID high, 10-15% or so.
After a few months of using the Smart Money Secret Method, I bought her a new Fiat 500 ($18k car) for LESS per month (2.9% interest rate) then the USED Honda Civic would have cost us! LOL
Seriously folks, having a great credit score really CAN make that big of a difference, I’m living proof!
- You want to buy a house?
- You want to buy a car?
- You want to save money to go on your dream vacation?
- Then you NEED to pick up smart money secret now.
I want you to understand how this works, legally:
- All Three Credit Bureaus have 30 days (21 days for Maine) to respond to your credit disputes.
- If they DON’T respond in those 30 days, they LEGALLY have to remove/erase/delete the negative item(s) from your credit report.
- Smart Money Secret tells you how to take advantage of that law and win just about every single time.
Don’t believe me? Here is a direct quote from Experian.com
What happens after I complete the credit dispute form? (Click the link above to read it for yourself if you like!)
When you question information on your personal credit report and tell us specifically why you believe the information is inaccurate or incomplete, we contact the source of the information directly by telephone, by letter or through an automated verification system.
We ask the source to check their records to verify all of the information regarding the item you questioned and report back within 30 days of the date that we received your request (21 days for Maine residents).
Once we receive their response, we’ll send you the results of the investigation. If we do not receive a response within 30 days (21 days for Maine residents), we’ll update the item as you have requested or delete the information and send you the results.
When we complete our investigation process, which may take up to 30 days, we’ll send you the results.
Basically – this process is a HUGE pain in their asses, so they’ll just remove your disputed item to save themselves the hassle.
I’ve done this myself, and the Smart Money Secret FaceBook group is FULL of people doing this AND reporting their results every single day.*
That’s Nice Jeff, but how about some proof?
Sure! you want to know if Smart Money Secret works right? I can sit here and tell you all day long that it does, but why don’t I just show you some REAL testimonials from the private FaceBook group instead.
These are 100% REAL and you can view them for yourself once you purchase Smart Money Secret for yourself. (All members get free access to the group).
These are 16 REAL examples above of Smart Money Secret working for REAL people just like you.
There are HUNDREDS of posts like this every single week (yes, really) and you get instant access to this FaceBook group when you purchase the Book.
What are you waiting for? Pick up your copy here: www.SmartMoneySecret.org
Anyways, now that you can see it DOES work as it promises – but let’s take a look inside at the table of contents!
A look inside Smart Money Secret’s Recent MASSIVE Update:
- Chapter 1: Getting Started;
- In this chapter, you’ll learn the basics including how to get and analyze your credit scores AND credit reports, facts about FICO scores, the credit Bureaus, and get started immediately with removing inquiries from your credit Report! This chapter has 3 Inquiry Removal Letter Templates, you just copy, paste, fill in your own info and mail them!
- Chapter 2: Getting Inaccurate / Incomplete / Unfair / Unverifiable Items Removed
- One of my favorite chapters, this one is just FULL of letter templates ready to use for just about ANY situation!! Again, just copy, paste, fill in your own info and mail them out!
- Chapter 3: Advanced Tactics
- I don’t want to go into too much detail on this chapter, but it’s pretty good stuff! You’ll learn tricks involving public records, filing complaints and get access to additional letter types! (There’s also a KILLER, 100% legal, loophole to remove liens, judgements, AND bankruptcies!)
- Chapter 4: Lawsuits
- This is not for everybody, nor is it something everybody will feel comfortable with. But in ‘extreme’ cases, it’s easy to get a win with a quick lawsuit (on their dollar). This covers examples of what you could file suit for, against whom, and even gives tips for during the court case. Again, MOST people will NOT need to do this – BUT it’s a great resource for those who may.
- Chapter 5: ChexSystems Removals
- This chapter title is self-explanatory I think.
- Chapter 6: Student Loans, Repossessions, and HIPAA (Medical Bills & Collections)
- Chapter 7: Advanced Credit Techniques
- These advanced techniques are PROVEN to improve your credit score quickly. This chapter goes into getting good credit lines quickly, utilizing credit loans, business credit, and more!
- Chapter 8: Frequently Asked Questions
- Chapter 9: Statute of Limitations Chart
- Chapter 10: Glossary
As you can no doubt tell, the book gets straight to the point. The pre-written letters are a God-Send and the “Small Claims” section is…for lack of better words, freaking fantastic!
Pick up your copy here: www.SmartMoneySecret.org
The Smart Money System (Credit Secret) FaceBook Group
As I said before (and showed you) you ALSO get Instant Access to the Smart Money Secret/Credit Secret FaceBook group with OVER 10,409 members and growing by hundreds every day.
The ScreenShot testimonials I posted above were ALL from One Day in July, and there are TONS of members having success just like that, and even helping and encouraging one another!
Pick up your copy here: www.SmartMoneySecret.org
My Smart Money Secret Review
Check out my Smart Money Secret Review Video – I show you INSIDE the book and INSIDE the actual FaceBook Group too!
(Note, this review video is a bit older now, membership in the FB group has grown significantly since I first filmed this video, and YES – the methods work still). After you watch the video, read my ‘final verdict’ below!
Needless to say – this program really DOES work.* I wanted to show the FaceBook posts as soon as possible in the review so you can see this really IS ‘the real deal’ credit repair system.
My Recommendation: Pick up your copy now from www.SmartMoneySecret.org – give the program a full 30-45 days and you should be quite satisfied with the results you’re making. This method really DOES work, I’ve done it myself and I see new people posting their feedback in the FaceBook group every single day.
I’d like to give you ONE very important warning:
Whether or not you end up purchasing Smart Money Secret – P-L-E-A-S-E be careful if you’re looking to hire a credit repair company.
Most charge $1,000’s of dollars have hidden fees, and the results are sub-par at best.
Some of them charge you a monthly fee as well and take as long as possible to do things, in order to keep you onboard and charge you as much as possible.
Having said that – if you have ANY questions, let me know below – I’m a real person and will do my best to help you out!
Pick up your copy here: www.SmartMoneySecret.org
Talk soon 🙂
Jeff
P.S. If you found my review useful, and I really hope you did – would you please close the sales page if it’s currently open and pick up Smart Money System via my link here? I get a small referral fee if you do, and it helps me pay the bills!
*Disclaimer
YOUR RESULTS WILL VARY AND ALTHOUGH YOUR CREDIT PROFILE & YOUR CREDIT SCORE MAY IMPROVE, THERE IS A RISK YOU STILL MAY NOT BE APPROVED FOR ANY LOAN FOR FINANCING AT ALL. ALL FINANCIAL LENDING INSTITUTIONS HAVE THEIR OWN UNDERWRITING GUIDELINES & APPROVAL CRITERIA. FOR EXAMPLE: A PERSONS INCOME, EMPLOYMENT STATUS, LENGTH OF EMPLOYMENT ETC. MAY ALSO BE A DETERMINING FACTOR FOR LOAN APPROVAL. SmartMoneySecret.co, ITS OWNER, ASSOCIATES, AGENTS, EMPLOYEES, ARE NOT RESPONSIBLE FOR ANY MONETARY, ECONOMIC, BUSINESS OR PERSONAL DIRECT OR INDIRECT LOSS OR LOSSES BEFORE , DURING OR AFTER TAKING ADVICE FROM THIS BLOG
Hello. I just ordered money secret I got to do u want to upgrade? I didn’t want to and it wouldn’t let me go any further
Hi Barbara,
First of all, I’m sorry for the delayed response. I was traveling a little bit and neglected my emails. 🙂
Now – Having said that…you should be able to contact their support desk to get set up with that. I hope this helps, and sorry again for the delay 🙂
Jeff
I want so much to get your book. How ever I will try to barrow the money. But I only get paid on the 3rd of every month do to disability. Today is the 14th ,evening and read your add for the 1st time. All I can do is try on the 3rd. My credit went from 514 to 556 only after 14 car payments now. I only make 875 a MTh. I am 57. Hoping to save enough to bring a women here to Mary from Philippine’s. We may never meet. John
Hi John,
You’re definitely doing the right thing by paying your bills on time etc, in the meantime if you can’t afford the book PLEASE take a look at the other articles on my site. I’ve got some great one’s that will help you without you having to pay a dime 🙂
Jeff
Where are my other articles? Look in the sidebar at the top of this post,it’s on the right and should say “Recent Posts” 🙂
Jeff
I needed to file ch 13 back in 2008, It took me 5 years paying 750 every two weeks to pay back. Lost my home too. Now soing much better. Pay everything on time now for 2 years. I have a great job, I’m not sure how to raise my credit score when what’s on there is true. It’s at 678 now. Can I desute a truth? When I bought a car over a year ago the finance dept. Put out 21 requests for credit worthyness. Yikes all those requests sure didn’t help but they found me a 4.9% interest rate. Do you have any suggestions? Sincerely, Lisa
Hi Lisa,
Great job first of all on bringing it back up.
If you HAVEN’T yet, I’ve got a blog post with some GREAT tips here: How to Improve Your Credit Score
That should help you out quite a bit 🙂
Let me know what you think!
Jeff
Where do I go to order your product?
Hi Dwight,
You can order it from here: http://www.SmartMoneySecret.co/SmartMoneySecret
Do you guys can send the letters to the credit company for me if I buy your product?
Hi Leonardo
For that you’d need to go through lexington law, they charge $12.00 to set you up and $99 a month. With Smart Money Secret the beauty is you pay much less, but you learn how to and do the work yourself for a fraction of the cost of the other guys 🙂
Get Signed up at http://www.SmartMoneySecret.co/SmartMoneySecret
Jeff
I’m on my phone and have lot my way out of your sight twice was following directions on the credit score and paid that to and tried to go back for the next step and your sight left me don’t know how to etc back in I’m so frustrated please help me your like my last desperate attempt to not having a nervous breakdown Mary vieira
Hi MaryEllen
I’m very sorry to hear that, get signed up for Smart Money Secret by clicking here: https://smartmoneysecret.co/smartmoneysecret
I hope this helps 🙂
Could this program works to eliminate mortgage issues? Its been a year since I can not pay for it. Lost job and credit score drops really quick fron 783 to 587!!
Hi
If you’re not able to pay your mortgage, there’s probably not much this course can do for you unfortunately. If you ARE paying it again, it may help remove the negatives from your score, but it won’t eliminate mortgage debt or anything 🙁
Good luck!
Jeff
This product sounds great. Im on the verge of buying it but one thkng I dont understand. This program erases negative stuff from your credit score. Correct? But you would still owe the money to credit card company? Im little confused. If you can she a little light on this matter. I would appreciate it.
Hi Angel
Spot on, it helps you erase negative marks from your credit score, BUT you will still owe any debt so My suggestion would be to continue and make payments on your EXISTING debt while you work with the SMS system to clean up your credit score. That way it’s a win win for you:-)
Pick it up here, and let me know how it goes!
Jeff
Hi is there any way you can tell me how much your product cost? I’m not seeing the information anywhere
Hey Rachel
It’s $49, you can pick it up here https://www.smartmoneysecret.co/smartmoneysecret 🙂
Thanks!
Jeff
What happened to my order? Filled out completely and it just disappeared from my screen.
Hey J.
Stuff happens sometimes, sorry to hear that 🙁
Try again, https://smartmoneysecret.co/smartmoneysecret
Let me know if that works!
Jeff
I never got an email after ordering the book BUT did receive the book in the mail today.
Another but…..No link to the Facebook group and I can’t find the right one.
Hey Michele
Shoot them an email at support(at)creditsecret(dot)org and they’ll make sure you get access to the members area & FaceBook group etc 🙂
Jeff
I just bought the product online, but now it’s asking e to sign up for the Automator software. Do I need it and should I purchase it?
Hey ME
it’s NOT required at all, the book has EVERYTHING you need, the software just makes things a bit EASIER is all. 🙂
Get it if you want it and want to save some time, but I haven’t used it myself and I found the SMS process quite easy still 🙂
Jeff
Where do I buy the book
Hi Kristy
Click here, then follow the prompts 🙂
Jeff
Hi Jeff,
I just wanted to chime in here and say a big THANK YOU!
I was REALLY hesitant about buying Smart Money Secret, but thanks to your review here I got it about 2 1/2 months ago, and my score has gone up (on average) 103 points!!!!
I seriously can’t BELIEVE how well it worked and wanted to come back to thank you personally!!!
It’s funny, even as I was hitting the ‘buy now’ button every feeling in my body told me NOT to buy it – i’m so glad I did.
Thanks again
Wei
Hi Wei
Wow, that just made my day! I’m so happy to hear it’s working out for you, and I’m glad you came back to share that too!
Thanks again, and keep up the great work! 🙂
Jeff
Hi Jeff. One thing I don’t understand about the Smart Money System, it helps you remove negatives from your credit report. However, if the negatives on my report are there for a reason and are not inaccurate or incomplete, then what will SMS help me remove?
Hey Anthony
The same thing applies, if they don’t reply within the given time – it gets removed. 🙂
I had a few late that were legit lates and they still got removed when I disputed them, so while there are NO guarantees of course, yes you SHOULD be fine 🙂
Pick it up from https://www.smartmoneysecret.co/smartmoneysecret and let me know how it goes!
Jeff
Jeff, I picked this up just over a month ago thanks to your recommendation. I wanted to come back and thank you and tlel you and everibody that It really WORKS and my credit has gone up 75 points on average with the 3 credit agencies.
THANK YOU! And for those of you doubting, GET THIS NOW IT REALLY WORKS! LOL
Thanks again man, gonna tell all my friends and family about this!!!!!!!!!!
Geraldo
Geraldo, that’s AMAZING man! I remember when you first started asking me about it and took the plunge LOL.
So glad to hear it’s working out for you, and thanks for coming back to share your results! 🙂
Jeff
I’m diving in Head first Jeff! Your video gave me the nudge I needed to make this purchase and I will hopefully be on the FB telling the community of mine and my wife’s success soon! Wish us luck!
Awesome Dave, good luck & see ya in the FB group! 🙂
Jeff
What do you know about the automator program? Is it worth the extra money or is it your belief the regular program is enough? I just want to ensure my investment pays off for me and my family.
Hey Dave
It’s handy BUT not required. It just has letter templates, you fill in your name and info, and hit print and you’re good to go.
While it’s definitely a time saver, I would not say it’s required as you have all the letter templates already in the book to use (and you can just copy/paste them from the digital copy too) 🙂
Hope this helps!
Jeff
I am interested but few questions. Does it remove credit inquires from your credit report? And is it $49 every month? Can I cancel after say 3 months if I wish??
Hey Robyn
Great questions! Yes, it most certainly does show YOU how to remove credit inquiries. And it’s just $49.00 one time – but there is an OPTIONAL $19.99 (i believe) per month update with more info updated monthly etc. You’re given 30 days of that for FREE when you sign up, but you can cancel that anytime and never pay a dime more than the $49.00 🙂
Pick it up from https://www.smartmoneysecret.co/smartmoneysecret and let me know how it goes! 🙂
Jeff
So in the $49.00 package am I able to clean up my credit or is that just information? Or do I have to purchase the optional $19.99 each month to continue to clean my credit up?
Oh, the $49 is great and all you need honestly. Use the info from the free 30 days of the upgrade for $19.99, then cancel if you dont need that
For $49 you get A-LOT and you can do 100% of everything you need
The stuff you get in the upsell makes it a bit easier or quicker, but honestly, I never even used that stuff – it’s great but not necessary if you’re patient 🙂
Jeff
How do you cancel the $19.99 upgrade before your 30 days are up so you don’t get charged?
What is the difference between SMS and a credit repair company?
Easy Carlos
A credit repair company charges you $100 per month, they take up to a year (or more) and work slowly at doing it for you
With SMS – you learn how to do it YOURSELF, and can see results in as little as a couple of WEEKS (yes, really, plenty of real, documented proof of that in the Facebook too).
PLUS – you only have to pay one time less than HALF of what the credit repair companies charge you monthly.
Seems like a no brainer to me 🙂 Pick up your copy here: https://www.smartmoneysecret.co/smartmoneysecret
See you in the FB Group! 🙂
Jeff
I was referring more to the methods used by SMS as opposed to a credit repair company than the fees. I actually have a person working on my credit right now. It’s been two months and I cannot get a late payment removed from my morgatge company. Just not sure it’s worth the money if it’s the same things that the people I paid for use.
It’s likely the same methods, but again – they tend to take their time with what they do for you, because you’ll keep paying them monthly and they can keep saying “we’re working on it”.
Honestly, I’d pick up SMS, do it yourself, save the money and fire your credit repair company
So I purchased the book. Where do I go to cancel the $19.99 membership before I get charged each month?? Please help. Thanks
Where do you sell the book
I need one right away. ASAP
Thanks
Hey Mike
Pick it up here: https://www.smartmoneysecret.co/smartmoneysecret
You’ll get a digital copy immediately, and a physical copy shipped out shortly after!
OK people look never use any credit agency as Jeff said they charge an up front fee to join like $99.
Then a huge monthly fee and they will drag thier asses fixing your credit score while charging you hundreds per month and over $1000 for the year or more they decide to clean up your report …..but wait they will want more huge fees to protect you from id theft and other stuff on your credit scores.
Trust me on this google the scammers your jaw will drop to the floor when you read the theft that occured
How do I join Smart Money Secert
Hi Earnastine
Click here to get to the sign up page: https://smartmoneysecret.co/smartmoneysecret
Hope this helps!
Jeff