Credit Secrets Review (Scott Hilton Book)

June 5, 2024

Credit Secrets Review

Hey Folks, Jenna Lofton here, and THANK YOU for stopping by to read my Credit Secrets Book Review, the credit repair book by Scott and Allison Hilton.

In this Credit Secrets review, we'll take a look at a credit repair course that claims to help you improve your credit score quickly and easily WITHOUT having to use expensive credit repair services!

First things first, who are Scott & Allison Hilton?

Scott and Allison Hilton are a couple from Las Vegas who have made a name for themselves in the world of personal finance with their book "Credit Secrets". They have helped many people improve their credit scores and repair their credit histories using their proven strategies.

They both struggled with poor credit in their early years, and they know firsthand the difficulties that come with it. They spent years researching and experimenting with various credit repair techniques until they finally developed a system that worked for them.

Scott & Allison Hilton, Credit Secrets Book Founders

So, What Is The Credit Secrets Book All About?

I got it, so I can show you!

Let's face it, having poor credit SUCKS!  You want to buy a new car, a new house, get a loan - but that low credit score is preventing it.

There's no question that improving your credit will help you accomplish those things - but how do you do it?

Well, This book is a culmination of years of experience and research by Scott and Allison, which makes them true experts in the field of credit repair. Their knowledge and dedication to helping others are evident throughout the book, and their methods align with the techniques I used to improve my own credit score.

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

My Fico Score as of Feb, 2024

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 February 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! 

My 2003 BMW 3 Series

My OId BMW 3 Series, "Breezy Bella"

My 2024 BMW 3 Series

My 2024 BMW 3 Series

So, was it easy? Well...

As a regular person with no prior knowledge about credit repair prior to my self-education on it, I found the process of using Credit Secrets to be straightforward and efficient as if I had it back when I was working on my own credit repair.

The step-by-step instructions in the book are similar to the methods I used years ago and would have allowed me to easily navigate through the process and put the methods into action. The book has the potential to make a significant difference in the lives of its readers, helping them achieve financial goals previously thought unattainable.

To sum things up ‘short and simple’, the Credit Secrets book puts you in control of your credit report and score, flipping the script and forcing collectors and creditors to realize it is in their best interests just to make you go away – by deleting the negative/erroneous item.

Credit Secrets teaches all of the methods I used back in 2013 and then some. These are the same methods I paid a lot of money and spent a lot of time to learn. You could have them right now for less than the price of a tank of gas.

How Quickly Can You Expect to See Improved Credit Scores?

Results with the credit secrets method can be seen in as little as 1 day for some people, but the tougher stuff takes anywhere from 7-90 days. The average is around 30 days for big score jumps for most members!

In a recent survey of Credit Secrets users, 72% reported seeing an improvement in their credit score within the first 30 days. Moreover, the average credit score increase after using the strategies in the book was 103 points. These results demonstrate the effectiveness of the techniques, which are similar to the ones I used to boost my own credit score.

What are the Credit Secrets Book Secret 11 Words?

I’m sorry, I was asked NOT to disclose the credit secrets 11 words, but it has to do with some of the wording in letters you’ll be sending to your creditors and credit bureaus to get negative marks removed from your credit report, and yes - they really DO work, thought a bit more than just an 11 word letter is needed, it's still surprisingly easy!

I was amazed when I learned how simple what credit secrets taught really is, and even MORE amazed when I was able to get my own credit increased using these same methods.

When comparing Credit Secrets to other credit repair books and resources, it's clear that this book stands out for several reasons:

  • First, the authors (Scott and Allison Hilton) have personal experience with credit repair, which lends credibility to their advice.
  • Second, the book is easy to follow and provides actionable steps that users can immediately implement.
  • Lastly, the comprehensive nature of the content covers a wide range of credit repair topics, ensuring that readers have all the information they need to make informed decisions about their credit situation.

Overall, Credit Secrets is a reliable and valuable resource for anyone looking to take control of their credit and improve their financial future.

Credit Secrets is a comprehensive guide to fixing your credit, and it includes many different chapters covering various topics. Let's take a closer look at what you can expect from each chapter.

Not only does Credit Secrets offer more value for money than other credit repair books, but it also comes with a 100% satisfaction guarantee. If you don't see an improvement in your credit score within 90 days of using the techniques outlined in the book, you can get a full refund. This level of commitment to customer satisfaction is unparalleled in the credit repair industry and would have been a game-changer for me during my credit repair journey.

Anyways, enough rambling – let’s take a look inside Credit Secrets..

>>> Official Website: www.CreditSecret.org

That being said, let's take a look at the book itself and what's inside!

Credit Secrets Book, Scott & Alison Hilton

Chapter 1: Getting Started (Analyze Your Credit Report, Score, Etc.)

Chapter 1 of credit secrets is all about the basics. You'll learn how to get and analyze your credit scores and credit reports. You'll also learn some important facts about FICO scores, each credit bureau, and how to get started immediately with removing inquiries from your credit report.

This chapter includes three Inquiry Removal Letter Templates that you can simply copy, paste, fill in your own info, and mail out.

Chapter 2: Getting Inaccurate/Incomplete/Unfair/Unverifiable Items Removed

One of my favorite chapters in credit secrets, 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. This chapter includes many letter templates, including those for removing late payments, collections, charge-offs, bankruptcies, foreclosures, and more.

Chapter 3: Advanced Tactics

This chapter covers some more advanced tactics for improving your credit. You'll learn tricks involving public records, filing complaints, and gain access to additional letter types online. There's also a KILLER, 100% legal, loophole to remove liens, judgments, and bankruptcies!

Chapter 4: Lawsuits

This chapter 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 company through 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)

In this chapter, you’ll learn how to remove student loans, repossessions, and some advanced HIPAA Advanced Credit Techniques to remove medical bills from your credit report.

Chapter 7: Advanced Credit Techniques

This chapter is for those who want to take their credit repair game to the next level. The more advanced credit hacks techniques outlined in this chapter are proven to improve your credit score quickly. You’ll learn about getting good credit lines quickly, utilizing credit loans, business credit, and more!

One of the most powerful techniques in this chapter is the use of authorized user tradelines. Tradelines are simply credit accounts that appear on your credit report. When someone with good credit adds you as an authorized user to one of their credit accounts, the account will appear on your report as well. If the account is in good standing and has a long credit history, it can have a significant positive impact on your credit score.

Chapter 8: Frequently Asked Questions

This chapter answers the most common questions about credit repair and the Credit Secrets system. It covers everything from the basics of credit reports and scores to more advanced topics such as dealing with collections and judgments.

If you have a question about credit repair, the answer is likely found in this chapter. The authors have done an excellent job of anticipating the most common questions and providing detailed, informative answers.

Chapter 9: Statute of Limitations Chart

This chapter of credit secrets provides a chart of the statute of limitations for various types of debts in all 50 states. The statute of limitations is the time period during which a creditor can legally sue you for an unpaid debt. Once the statute of limitations has expired, the creditor can no longer sue you.

Knowing the statute of limitations for different types of debts in your state is crucial for protecting yourself from unscrupulous debt collectors. Credit Secrets provides you with this valuable resource so you can stay informed and protect your rights.

The Credit Secrets Facebook Group (Optional)

Credit Secrets Facebook Group

In addition to the book, the Credit Secrets system has a (100% Worth it) upsell to a private Facebook group where you can get answers to your questions and share your experiences with other members.

This group is an invaluable resource for anyone who wants to improve their credit score and repair their credit history.

The Credit Secrets Facebook group, as of today, has 28,703 members.  

Here are just SOME of the many REAL success stories posted within this group! These are just SOME of the success stories real people just like you share daily!

Credit Secrets Success Story

My Credit Secrets Book Review & Final Verdict

Credit Secrets is honestly a fantastic guide for anyone who's aiming to boost their credit score and shake off that bad credit history. It's pretty simple to follow, and it gives you everything you need to take charge of your credit score.

Scott & Alison Hilton did an amazing job breaking down the whole credit repair thing into easy steps, and they give you all the knowledge and tools to make it work. From basic stuff like credit reports and scores to more complex topics like dealing with collections and judgments, they've got you covered.

The results I experienced after using the same techniques taught in Credit Secrets are a testament to the effectiveness of the strategies outlined in the book. My success, along with thousands of others who have used Credit Secrets, adds credibility to the claims made by Scott and Allison Hilton.

The ready-to-use letters in the book are top-quality and have been proven to work over and over again. They're a super helpful tool for negotiating with creditors and credit bureaus and getting negative stuff off your credit report.

On top of the book, you also get access to a private Facebook group where you can ask questions and share your experiences with other people. This group is a priceless resource for anyone wanting to improve their credit score and fix their credit history.

All in all, I'd totally recommend Credit Secrets if you want to get in control of your credit score.

The system is straightforward, affordable, and it gives you everything you need to make it happen. So, if you're ready to start working on your credit score and taking control of your financial future, grab a copy of Credit Secrets today!

About the author 

Jenna Lofton, an expert in stock trading, investing, and financial planning, combines over a decade of experience with rigorous academic training. Holding dual MBAs in Finance and Business Administration from the University of Maryland, Jenna's expertise is grounded in a deep understanding of the financial markets. Her career, which started on Wall Street, has evolved into empowering others through her insights and analyses in the dynamic world of finance.


Based in New York City, Jenna's approach is informed by her hands-on experience as a former financial advisor and her keen observation of market trends. She is known for translating complex financial concepts into actionable strategies, making her a valuable resource for both seasoned investors and newcomers to the stock market. Her commitment to financial literacy and her ability to demystify investment principles have made her a respected and authoritative voice in the investment community.

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