Book Review

Book Review: Credit Secrets – a DIY Self Help Credit Repair Kit

Why Are So Many People Talking About Credit Secrets?

Today when millions of people in the US are struggling with their loans, a book like this is highly relevant. “Credit Secrets” promises simple tactical steps any person could follow to improve their credit history and eventually reach financial stability. No wonder it got endorsed by Larry King in one of his special reports, ‘Is Your Credit in Crisis?’ Since its first publication in 2017, “Credit Secrets” (often referred to as “Secret 11 Words Book” or “Smart Money Secret Book”) has been causing lots of discussions on the Internet.

At first glance, this book is nothing too special. It addresses one of the most common problems in America, describing the situation its authors – spouses Allison and Scott Hilton – have appeared in prior to developing their own strategy which made a foundation for this book. Particularly, the following issues have been described:

  • Low credit score
  • Collectors menacing the debtors and their families
  • Deteriorating financial state

So How It Could Be Useful to Me?

The book proposes solutions to all these difficulties. Well-structured and written in a straightforward, easy-to-understand manner, edited by experts of, it provides a detailed description of the tactics used to combat them and to gradually improve the financial situation of an unlucky debtor. It is not a secret for anyone involved in similar situations that credit score organizations are often using any occasion to lower a person’s credit score as soon as she or he stops paying for credit repairs, even if all payments were proper and timely previously. On top of that, banks and debt collection companies do not hesitate using quite questionable practices on a massive scale. Therefore, it makes sense for any person involved to know their rights, the laws they can invoke to defend themselves and other legit options to stop collectors and credit organizations from destroying their well-being. And essentially this is what the authors, Allison and Scott, tell us about in their book. After all, they both have come through such an experience – as they claim.

Peeking Inside Credit Secrets: A Detailed Example to Avoid Decreasing Your Credit Score 

Let us inspect a simple example without spoiling the entire book to you:

  1. A bank or a credit organization asks you to provide full information about yourself, including your contact address.
  2. You move along often, so your contact addresses is changing over time. 
  3. Now, you absolutely must ensure that only your current and relevant address is specified everywhere, at least in major national credit organizations’ archives. 

The thing is, any inconsistency found here automatically leads to decreasing your credit score. Sounds very simple but isn’t it a precious piece of advice to a debtor in trouble? Other valuable advices this book suggests include an 11-word phrase that helps to stop any collector from attacking your family and a list of message samples to write to your creditors in order to support your credit repair process.

How Can I Be Sure It Is Not a Scam?

How about credibility? It is hard to evaluate how well all these measures (beginning from the DIY letter samples to this 11-word phrase) work unless you are a credit company employee. At least, I am personally sure that certain insider experience was used in order to develop all these tactics. 

The book tells all this knowledge with a simple and straightforward language. It does not however guarantee its reader to solve all her or his credit issues immediately after reading it. As stressed in the text, not everyone is able to follow these advices (particularly compose the DIY letters to creditors) by themselves. So if you are in doubt, it would make sense to use professional help to do that.

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