Credit Secrets Book Review (Scott & Allison Hilton)

Hey there, I'm Jenna Lofton, and I'm thrilled you've stopped by to read my in-depth Credit Secrets book review. If you're struggling with poor credit or simply want to boost your score, you're in the right place. Today, we're diving deep into the credit repair book that's been making waves - Credit Secrets by Scott and Allison Hilton.

First things first, who are Scott & Allison Hilton?

The Credit Secrets Members Area: A Comprehensive Breakdown

One aspect of Credit Secrets that really impressed me is their extensive members area. It's structured in four strategic phases, each designed to guide you through your credit improvement journey. Let me break this down for you:

Phase 1: Your Credit Secrets Fast Track

This initial phase is all about getting you started on the right foot. It includes:

• Getting Started: Access to updated credit reports and scores
• Community Access: Membership to the Smart Money Club private community, where members share their success stories and strategies
• Jumpstart Training: A program that shows you how a single strategic letter could potentially boost your scores by 30-70 points

Phase 2: Improve Your Scores

The second phase provides the core tools you'll need:

• Digital Guide: The complete Credit Secrets digital guide (eBook version)
• Training Access: A detailed walkthrough training that expands on the book's concepts
• Software Tools: Access to the Automator online software, which helps streamline the credit improvement process

Phase 3: Build Your Wealth

This phase goes beyond basic credit repair to help you build lasting financial success:

• Credit Builder: The Secret Credit Builder Training (previously known as the Secret Money Method)
• Business Focus: A Business Credit Secrets program focused on securing business funding
• Income Generation: Resources for creating additional income streams from home

Phase 4: The Next Level

The final phase addresses specific financial goals:

• Home Buying: Resources for navigating home purchases even with less-than-perfect credit
• Vehicle Purchase: Car Buying Secrets with inside knowledge about vehicle purchases and financing
• Mobile Learning: Credit Secrets Audiobook for learning on the go

What Makes the Members Area Special?

Structure and Progression: What I particularly appreciate about this structure is how it progresses from foundational credit repair to broader financial success. While I can't make specific promises about results, the comprehensive nature of these resources suggests they've thought through the various challenges people face in their credit improvement journey.

The Automator Tool: The Automator software is particularly interesting, as it's designed to help streamline the process of implementing the book's strategies. While your results may vary, having digital tools to support the manual processes can be incredibly helpful.

Multiple Learning Formats: The inclusion of both the digital guide and audiobook versions shows they understand different learning styles. Whether you're a reader or prefer to listen while commuting, you can absorb the material in a way that works best for you.

Business Focus: The Business Credit Secrets program is another standout feature, especially for entrepreneurs or those thinking about starting a business. Understanding how to build and leverage business credit can be just as important as personal credit management.

The Bottom Line

Holistic Approach: What's particularly valuable is their holistic approach. They don't just stop at credit repair - they extend into home buying, car purchasing, and even potential income generation. This suggests they understand that true financial freedom requires more than just a good credit score.

Important Note: Remember though - while these resources are extensive, your success will ultimately depend on how you implement them. The tools are there, but they require your commitment and action to be effective.

So, What Is The Credit Secrets Book All About?

I got it, so I can show you!

My Personal Experience (Yes, this is my Credit Score Now!!!)

I was once in your shoes. About 13 years back or so, I was trying to buy a car, but my credit score was around 550, preventing me from getting a loan at a reasonable rate.

After trying to finance at the dealership with three different loan companies wanting between 8% and 15% for a $7,000 2007 Honda Civic, I had to do something. 

Anyway, I started studying, reading various credit repair books, and even paid for some 1 on 1 time with an accountant.

Keep in mind, as this was before the credit secrets book waws written, I had to learn this stuff on my own!

Anyway, after applying the same techniques shared in the book to my own credit situation, I saw an increase of 160 points, from 550 to 710, in my credit score within a couple of months.

As of today, in September 2024, it's sitting at 824 and has been above 800 now for 6+ years. 

Like many of you, I faced numerous obstacles while trying to improve my credit. However, by using the same techniques taught in Credit Secrets, I finally achieved my goal. I can confidently say that this book can change your life just as it would have changed mine if I had access to it back then.

This improvement allowed me to secure a loan at a much lower interest rate than I was initially offered, AND I was able to lease my BMW 3 series just a few months later at a 1.9% interest rate for LESS per month than the 2007 Civic would have cost 

This was my car below, "Breezy Bella", though I traded her in recently for a newer model!