Smart Money Secret (Scott Hilton) By Real Member

Hey Folks – thanks SO much for stopping by to check out my Smart Money Secret Review (by Scott Hilton)

I’ll cut STRAIGHT to the chase and answer the question that’s on EVERYBODY’S mind:

What’s Inside Smart Money Secret (by Scott Hilton)?

Product Name Smart Money Secret
Creator Scott & Allison Hilton
My Rating:
Where to Buy
CreditSecret.org
Smart Money Secret Review  I got it so I can show you!

To sum things up ‘short and simple’, Smart Money Secret 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 to just make you go away – by deleting the negative/erroneous item.

Small Note: If you find this review useful would you do me the honor of closing the sales page if you’re on it currently and pick up SMS through my link here: Smart Money Secret– I do get a referral fee if you purchase via my link, and it helps pay the bills 🙂

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 these things – but how do you do it?

I’ve been there myself, a few years ago  I was trying to buy my girlfriend (now wife) a car, but my credit sucked (around 550).

After trying to finance at the dealership with 3 different loan companies wanting between 8% and 15% for a $7,000 1997 Honda Civic – I had to do something – so I started studying.

To make a long story short, after reading many credit repair books and even paying for some 1 on 1 time with an accountant I was able to fix my OWN credit!  It felt amazing!

My credit score was around 550 5 years ago, and in just a couple of months time I was able to bring it all the way up to 710.  It’s at 804 now (as of January 2017) and I’ve kept it in that high range for 4-5 years now.

(By the way, I ended up buying my girlfriend/wife a new Fiat 500 Sport, her dream car at the time, with a 1.9% interest rate for LESS per month than the 1997 Civic would have cost!)

Anyways, for those that are wondering HOW I did it; Smart Money Secret teaches ALL of the methods I used back in 2011 and then some.  These are the same methods I paid a lot of money and time to learn you could have right now for the price of a tank of gas – and guess what – this stuff really works!

How about some proof from a member of the FaceBook Group? (More Proof Further Below)

Smart Money Secret Testimonial

How Quickly Can You Expect to See results?

Results 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!

What are the Smart Money Secret 11 Words?

I’m sorry, I was asked NOT to disclose that with you, but it has to do with 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!  I was amazed when I learned how simple this really is, and even MORE amazed when I was able to get my own credit increased using these same methods.

Pick up your copy here: www.CreditSecret.org

Is Smart Money Secret a Scam?

Info Up LLC, The Company Behind Smart Money Secret are based in the United States, In Las Vegas. They would have been shut down and throw in jail a year ago if there was even the SLIGHTEST hint of a scam here.  What they’re teaching are proven tricks that people have known about and used for years They’re TEACHING you the very things that companies like Lexington Law have been doing and charging $100+ a month to do. 

Why pay $1,000 to Agencies like Lexington Law to do this for you when you can EASILY do it for yourself at a fraction of the cost?

Smart Money Secret really DOES work and the “loopholes” actually are legitimate tricks that I’ve used personally when cleaning up my own credit.

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

A look Inside The Smart Money Secret System

Smart Money Secret Book Smart Money Secret Secret Books is shipped to you via a physical book and as a BONUS you also get to download a copy in PDF format.  This makes it easy to save and read on your PC, or even your smart phone! (Not sure if you can view PDF’s on Kindle though? Comment below and let me know if YOU know!)

The main book is detailed and quite easy to read.  The loopholes (yes, they actually are) work 100% of the time when used correctly and there is NOTHING the banks can do about it, period.

Let’s take a quick look at the table of contents:

  • 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 see, the book is quick to the point but holy “wow” it packs a punch! The pre-written letters are AMAZING and also include small legal hints that really will scare the pants off of your creditors or debtors.  (For example, mentioning you’ll be releasing an Online Press Release discussing your interactions if necessary, or even a subtle threat to take them to small claims court near YOU, on their dollar)

Granted, you’ll (probably) never have to use those things, but they’d rather not take that chance – and this stuff flat out works.

The Smart Money Secret FaceBook Group!

Credit Secret FaceBook Group

THIS is where it’s all at.  As of March 2017, there are now over 19,500 members currently getting questions answered, cheering each other on AND sharing REAL results.

I took a few minutes today and grabbed some posts from the page to share with you.  Scott did ask me to mask the users names making these posts, but once you’re a member you can see them for yourself first hand and they’re pretty inspiring!

Here are just SOME of the many REAL success stories posted within this group!

(Click to view full size)

My Smart Money Secret Review

If you haven’t yet, take a minute to look at the 10 images above.  These are all 100% real and were posted in the Smart Money Secret Facebook group THIS WEEK by real members.  You can verify them for yourself once you sign up too! 🙂  Next up, check out my Smart Money Secret Review Video THEN read my final verdict below!

Anyways – if you haven’t yet figured it out, this is the real deal credit repair course.  It’s really NOT too good to be true, it WILL work if you apply yourself and you can see results in as little as 1 DAY if you take action quickly.

My Advice: Pick this up NOW from CreditSecret.org – give it a full 30 days and you should be quite happy with the progress you’re making. Speaking from experience, this type of stuff really works.

Pick this up from www.CreditSecret.org – and make sure you come back here and let me know in the comments how it goes for you!

ONE final thought and warning: Whether you end up getting Smart Money Secret or not, PLEASE be careful if you look elsewhere and potentially hire a credit repair company. Most charge thousands of dollars, have hidden fees, and get mediocre results at best. Trust me, I’ve worked with them before and it’s scary what they get away with (not doing)!

One last thing – if you have ANY questions, let me know below – I’m a real person and will do my best to help you out!  You’ll see I’ve answered over 100 questions below already, so read through them and let me know if I can clarify anything for you! 🙂

Talk soon 🙂

Jeff Lenney

P.S. Important:  If you found this review useful would you do me the honor of closing the sales page if you’re on it currently and pick up Smart Money Secret through my link here: Smart Money Secret– I do get a small referral fee if you purchase via my link, and it helps pay the bills 🙂

Thanks!

Jeff Lenney
 

My Name is Jeff Lenney. I'm an Affiliate Marketer, and Search Engine Optimization Expert.

  • Scott Sachnoff says:

    Hi

  • Cadelia says:

    Hello Jefff, I truly enjoyed your YouTube video. Now I have a question. I already purchased the book and sent out some letters. My biggest concern is that I have a foreclosure and I am praying ?? that this program can help me remove it. My loan was sold 2 times so i have one account number for this loan but it keep reporting 2 times by different mortgage companies. I am still reading the book. Do you know of anybody had a foreclosure and had it removed, using this system. Advice please

    • Jeff Lenney says:

      Hey Cadelia

      Yes I’ve seen foreclosures removed – if you search ‘foreclosure’ in the FB group too, you’ll find plenty of examples with real people sharing their experriences 🙂

  • John B says:

    I really want to try this, but I’m really afraid of being scammed and being out more money when I’m trying to fix my credit for the future of my life, family and even my kids future.

    • Jeff Lenney says:

      Hey John

      Not sure if you saw my whole review or not, but i showed plenty of screen shots from the facebook group – watch the video too, I show more in there 🙂

      it’s 100% the real deal, i would NOT be recommending it otherwise 🙂

      Pick it up here, and come back and let me know what ya think! https://www.jefflenney.com/creditsecret

      Jeff

  • billyzeke says:

    OK My last Comment did not show so here it is again all of you think this is a scam ..1st off simply google it with word scam after the name of program thats will show you if anybody got scammed but remember those who call it a scam did not follow instructions.

    NOW heres MY situtaion I want to refinace MY car because of high interest rate 18.5% Almost 3 years paid into it at $278 a month.

    Went to MY Local Bank BUT becuse i only have SSI I cannot refinance with them.

    MY credit rating is low 610 but even if i had higher rating my bank goes by income He told with a cosigner i could get it… MY son makes huge money now so that who i need.

    I still can get this program boost my rating and tell them i’m working delivering food. makiing $400 a week.

    Then go back to where i bought this car and have them get me lower interest ratewith another lender.

    It’s insane the payoff amount on the loan is $11,418.10 NOT the car tho that was purchased with tax and title fees for $11,000.

    YES so far i paid $8328.90 which means the original loan debt on the car is $2671.10

    See what happens when you get whacked with high interest rates.

    Blame myself for not getting the book long ago But i have health issues to deal with to fix my diabetes because Metformin and other drugs DO NOT.

    And MY tinniutis the constant buzzing ringing in my ears 24 hrs a day.

    SO now i have to do one thing each week or all 3 togther should be no problem get natural ingredits to fix the diabetes and Tinnuits and get the book.

    So there you have folks real life quandry paying huge % on car loan is killing me monthly I should have payments way less with good raqting in high 600’s or low 700’s

    even if only get down to 10% that will cut $100 a month off payments saving me $1200 a year for final 3 years.

    DO you now see why to go for this! Look at that amount over a 6 year term I could have saved $7200 OMG thats almost 5 months work BUT that $400 is not net i have huge cost in gas plus maintenance.

    I wish i could curse at you all be harsh kick u in the butt but i cannot Jeff will not put up a post with defamatory negative words in it.

    HERE it is people MY real situtaion i’m suffering paying at least $100 more per month than i should.

  • Billy says:

    To all of you negative nancy’s on here real life situation i have right now.

    MY car almost 3 years paid into i wanted to refinance because of high interest i got when i bought it 18.3% Well guess waht because I dont have any real income excpet SSI
    I got turned down by my bank Phila fed Credit union.
    The Pay off on the loan is $11,418.10

    OMG thats more than the car is worth. Actual loan was total $11,000 when i bought it.

    So now i’m stuck hoping to get this smart money secret to boost my rating up into 700’s then go back to deelaership where i bought my dodge caliber (love this car)

    And see if they do right by me.

  • Shana Begum says:

    Hi,

    I watched the video but the link at the end does not open for me to purchase the book. Is it not available anymore?

    • Jeff Lenney says:

      Hey Shana

      Sorry about the delayed response.

      Try this. Go here: jefflenney.com/creditsecret – hit REFRESH on the page, and it should give you an option to STAY and view a text only version. That should have the check out page 🙂

      Jeff

  • Jennifer says:

    Will it show me how to remove state tax liens?

  • Charles Hall Jr says:

    Will I get a book or just online access?

  • Charles Hall Jr says:

    Hello Jeff I want to give this a chance but first I need to know if your company has a BBB rating, that way I know if it doesn’t work I can get my $ back. Also will receive

  • Dan M says:

    Hi Jeff,

    What about tax liens on my credit reports? Is there a strategy for this in the book?

  • Billy F. says:

    FOR those of you thnking this is some type of scam let me assure it IS NOT! I did this years ago with fraudster Kevin trudeau . MY sons credit cards were deestroying him followed what he said in his 1st book make phone callss until you get lowest pay off amount. In other words the actual debt.

    Well his credit score went way up after that 175 points more got all the dings removed etc… and his low bad score of 520 was 695 after two months.

    Sent out second set of letters to the 3 bureaus and sure enough because they didnt do anything the 1st time that extra 30 days showing proof of 1st set of letters every thing was removed.

    DO it if your own the fence $49 is a steal comapred to those who charge to do it and they want $95 to get started fee into thier scammy program then $99 every month after that.

    THE info in this book or whatever plus their support is superb.

    IF you need more info about this HEY yo ever here about GOOGLE and the 1000’s of cerdit experts on you tube.

  • Micah says:

    What is the $19.99 for? To be part of the Facebook group? I am confused.

    • Jeff Lenney says:

      Hey Micah

      No No, the FaceBook group is INCLUDED with the Smart Money Secret book – you don’t need to pay a dime extra for that. 🙂

      Basically, the $19.99 p/month is for SMC VIP. It’s free the first 30 days (you can cancel anytime) and has some ADDITIONAL training and tips/tricks not covered in the main book. Honestly, the main SMS book has A-LOT so SMC VIP is not for everybody – BUT if you can swing an extra $19 a month it’s worth it.

      Again, NOT at all required, but it teaches some things like how to remove old addresses from your credit report, how to get credit (to build your score) without a credit check, a monthly budget worksheet, and a bunch of other goodies.

      I hope this helps! 🙂

      Jeff

  • Tamia Felder says:

    Hi Jeff,
    My name is Tamia Felder, and I am 20 years old. I am trying to repair my credit, because,my boyfriend and I are looking for our own place together, get our own cars, and etc. I am convinced that this works and I am willing to give it a shot. Now, with that being said. When i get everything fixed and I am back on my feet, I can cancel the subscription without any consequences?

    • Jeff Lenney says:

      Hey Tamia

      Awesome, that’s great you’re taking care of this now! 🙂

      The SMS book is a one time payment of $49.00 – there IS a monthly $19.99 BUT that’s free the first 30 days, and 100% optional. Having said that, YES you can cancel that ANYTIME and not pay a dime more than the $49.99.

      The content IN the additional training is great, don’t get me wrong, but not required to see success.

      Having said that, pick it up from https://www.jefflenney.comn/creditsecret – and i’ll see you in the facebook group 🙂

      Jeff

  • billyzeke says:

    FREE tip for all you owe debts .call call call and make a deal to have excess fees removed and all other cahrges to get to the real debt amount.

    IT’s the law they cannot charge you more than you owe no one can.

    KEEP caling until you get what YOU want then agree to make monthly payments while the account is now dead NOT being charged interest.

    I did this with 1st premier bank I tripled a payment one month $65 and next month the balance went higher because of thier theft fraud interets of 35% which they charge up front on purchases as i found out spent like 60$ out of 100$ so i tried to buy gas nad snacks with the card DECLINED no funds!

  • Amy says:

    So I can sign up for this for 30 days free? Then it will charge me?

    • Jeff Lenney says:

      Hi Amy,

      No – the $19.99 monthly OPTION is free for your first 30 days, but you do need to pay for the SMS book first to get that.

      BUT – it’s 100% RISK free and you can get a FULL refund if you’re not satisfied! 🙂

      Jeff

  • Leslie says:

    Hi Jeff,

    Right now I’m facing a defaulted student loan and about 4 hard inquiries from the purchase of a vehicle back in 2015. Also, bring threatened by back taxes I owe. I’ve started a payment plan to have the student loan default corrected and have started preparations for IBR on back taxes. But all this has my credit score at 471. How can the program help me? And after payment how will I be able to cancel if I decide to within the 30 days?

    • Jeff Lenney says:

      Heya Leslie,

      Wow, that’s tough – BUT believe it or not, I’ve seen people in the FB group get that type of thing fixed before.

      Hold on, I’ll show you:

      I just went to the Private FaceBook group, searched “hard inquries” for people discussing this and found quite a few people that have had success with this.

      This is one of my favorites, as she gives alot of info AND a screen shot of the inquiries removal 🙂

      Smart Money Secret - Hard Inquiries Removal WIN

      Now, pick it up for yourself at https://www.jefflenney.com/creditsecret – good luck, i know you can do this! 🙂

      Jeff

  • Rebecca says:

    Hi Jeff,

    I’ve read every post trying to decide if the time and effort will be worth purchasing the program. At one time, I had a fantastic paying job and that allowed me tons of credit because of my credit scores. Today, I’m at the opposite end barely getting by and still owing over $18,000 in credit card debt, 2 judgments from credit card companies and several tax liens. Yes…. I’m a mess.

    While I realize I will have to pay the debt and yes, there have been some great offers from the collection agencies who purchased the debt, I still haven’t been able to pay very much on them.

    My credit score was around 520 when I last checked – Do you think it will be possible to get my score above 700 again even before I pay off all the debt?

    Regards,
    Rebecca

    • Jeff Lenney says:

      Hey Rebecca,

      Well, I’m not sure if you read my situation, but when I first started, my score was about 550 – I took it up to 805 using the EXACT methods that Smart Money Secret teaches – and I prove that on the newly updated video on this page too if you watch it. 🙂

      Having said that, YES this most definitely CAN help you dispute lates, negatives, even judgements and tax liens. Seriously, give it a shot, don’t mind the hype this really does work and I would NOT be here publically putting my name behind it (recommending it) if it were a scam. 🙂

      Pick it up here, and good luck! 🙂

      https://jefflenney.com/creditsecret

      Jeff

  • sean says:

    Hey!

    Two years ago I had excellent credit in the mid to upper 700s. Unfortunately, I lost my job and began living off credit for the past year or so and now I have used up all my savings to pay minimum payments on 8 credit cards that are now all delinquent. The revolving balances are now close to $100K since I have not made any payment in 18 months now. I have no evictions, no repossessions, no bankruptcies, no tax liens, and no judgments to my knowledge. What should I do to repair my credit? Right now I have one credit card with zero balance for emergency only and student loans current. But I have no income right now.

    What do you suggest i do? File for bankruptcy and then have it removed? Or call each creditor and make a settlement arrangement? Or?

    • Jeff Lenney says:

      Hey Sean,

      In THIS case, I’m NOT a Tax Attorney or an accountant and would recommend you consult with one of them. My expertise is limited to what I’ve done myself, that’s cleaning up my own CREDIT – but my situation was not quite as bad as yours.

      Good luck my friend, sorry I can’t be more helpful 🙁

      Jeff

  • Amber says:

    Hey there
    How long does it take for the book to arrive? Just signed up today

    Thanks

    • Jeff Lenney says:

      Hey Amber, sorry for the delay – i TRY to take it easy on weekends but that’s not always the case LOL

      You should get INSTANT access to a digital copy of the book via the members area. Check your email for info regarding that.

      As for the physical book, I believe it ships from Las Vegas or San Diego, so depending on where you are in the US it could be 3-7 business days or so before you receive it. 🙂

      Jeff

  • Jean says:

    Hi Jeff,

    I have the same situation as Patricia. I have set an autopay with all my credit cards so i won’t get late paying them, the only thing that’s pulling my score down is high utilization percentage. I only have few late payments (as in few, like 3 or 4 overall) and still have in high 500 score. We even pay extra payments most of the time but still have low credit score. My major question is: What possibly can they removed from my credit and high rocket my score if my payments are current. I am trying to get a personal loan with Sofi Financial to consolidate all my credit balances and other loans into just one payment with a low interest rate and pay them all back for 4-5 yearsbut it’s just so impossible because they are requiring an excellent credit score. Please advise before i purchase the product. I have 2 high schools boys that will be in college in a couple of years, and want to start saving for my little girl as well, and I really need to save for their future. I really really need help of boosting up my credit score.

    • Jeff Lenney says:

      Hey Jean,

      Well 3-4 lates still brings your score DOWN – I’ve seen people in the FB group get amazing results (50+ points improved) by just removing a few lates. Obviously, doing THIS as well as having your cards on auto pay as you are doing will definitely help you out.

      Pick it up here, and PLEASE let me know how it goes for you! 🙂

      https://jefflenney.com/creditsecret

      Talk soon!

      Jeff

  • Ian says:

    Hi Jeff,

    I’m hoping to purchase a home before the summer is over. Will your book inform me how to remove a lien which is dragging my credit score through the ringer. Also, can I just purchase the book with being charge a monthly fee of 19.99? Thanks for sharing!

    • Jeff Lenney says:

      Hey Ian

      There are no guarantees of course, but YES there is a whole section (and pre-written letters) on how to remove tax liens. I just did a search for ‘liens’ in the FB group and found quite a few people reporting success with that as well.

      Pick up your copy here, and let me know how it goes! 🙂 https://jefflenney.com/creditsecret

      Thanks!

      Jeff

  • Patricia M says:

    This definitely sounds too good to be true…what exactly is it supposed to remove? Say I have a few late payments and pretty much just legit high balances because of living off of credit cards for the last few years while going to school and trying to survive with a toddler and husband, who’s also a student…what can they possibly remove from my credit history when all my balances are high because of my spendings that kept my family fed and dressed…

    • Jeff Lenney says:

      Hi Patricia

      Take a look at the FaceBook screen shots in my review, I ALSO got into the FB group ITSELF live on my review video. I know this sounds too good to be true, but it’s using 100% LEGAL techniques that are even talked about by experian and the other credit bureaus. Sign up at http://www.creditsecret.org – it’s 100% risk free and you’ll never know unless you try it for yourself.

      Jeff

      P.S. They’re based in San Diego, if this was in ANY way a scam – they’d have had feds knocking down their door a year ago when the program was first released. Info Up LLC – 100% US Based company. 🙂

  • Shawn Bardwell says:

    Hey Jeff my name is Shawn I just watch your vic I have a question I just filed bankruptcy in Oct 2016 and my credit score is 358 can you help thank you

    • Jeff Lenney says:

      Hi Shawn,

      It’s not my product, just one i’ve reviewed and used. :-0

      Having said that, there are no guarantees of course on what YOU can accomplish, but there are people in the FB group posting about having their Bankruptcy’s removed so it’s defintily possible, just not as easy as simply getting a negative or late removed.

      Pick it up here, and let me know how it goes please: https://jefflenney.com/creditsecret – good luck and I hope to see you in the private FB group 🙂

      Jeff

  • Tia says:

    I paid to receive the book and I was wondering if this will be mailed out to me or is this something that you will have access to right away after payment

    • Jeff Lenney says:

      Hey Tia

      You should get an email within the next few minutes with access to the wbsite and a digital copy of the book. You’ll also get a physical book in the mail within a week or so (they’re shipped from San Diego California I believe, so how long depends where in the USA you are) 🙂

      Jeff

  • Jeff Lenney says:

    Hey Jason

    Well, Smart Money Secret helps you remove NEGATIVE items, such as lates, no-pays, even things like bankruptcy in some cases. Have you checked your credit yet to see what’s on there?

    If everything is clear, I’d just focus on perhaps opening a new line of credit or two, use those and pay them off each month. I found a good article here about this too: Easy Ways to Build Your Credit

    If anything, I would suggest taking a look at your credit score, you can get a score and report for free usually

    I hope this helps!

  • Traci Allen says:

    Hi Jef’

    Question’ (?)

    I looked over my credit report and my score is low ( in the 500’s)
    I really don’t see a lot of negative scores…
    I need help’ I can’t really understand why my score is so low…
    What am I looking for or where should I start…
    How can I get my scores higher”

    Ps. Please Help Me!

    • Jeff Lenney says:

      Hey Traci

      That’s wayyyy too much info to answer in a blog post response, honestly – check out Smart Money Secret – great program and you’ll learn MUCH more from it than I could ever teach you. 🙂

      Get signed up here, and let me know how quickly it works for you! https://jefflenney.com/creditsecret

      Thanks 🙂

      Jeff

  • Dwight says:

    My only comment is why the cost is not mentioned? We should be told upfront what this process will cost so we can make an intelligent decision. I would appreciate a straight forward answer to my question without signing up for services blindly.

    • Jeff Lenney says:

      Hi Dwight,

      The price is $47.00, and that’s very much visible and made known before you purchase. I would never review anything that asked you to blindly sign up, nor do I think that would be legal for them to do IF they were doing it.

      I hope this helps clarify things 🙂

      Jeff

  • David says:

    no link appears to order the book, and when I click on the link in one of your email replies it also does not open to place an order. How do I get the book?

    • Jeff Lenney says:

      Hi David

      https://jefflenney.com/creditsecret should work – it’ll take you to a sales video, but a box or sign up button should appear below. If it doesnt, hit refresh on the page (then stay on page if you get prompted) and you’ll get a text only sales page with a buy now button at the bottom.

      Let me know if this works 🙂

      Jeff

  • Jason says:

    I don’t think this is real.

    • Jeff Lenney says:

      Why not? I’m happy to answer any questions you may have. I’m real, I’ve used these methods myself and can tell you they 100% work. It’s not too good to be true, just takes a little work. 🙂

      Jeff

  • AJN says:

    Hi, I just finished the book and would like to begin sending my letters. The main thing having a negative impact on my reports is a Judgement (which was satisfied within 30 days of it being filed). One thing I noticed is that it previously showed on my reports as satisfied with a removal date of 2017. However, it now shows a balance with the status “Filed.” Also, I don’t see an actual acct # but there is a reference #. What should I do to have this removed and should I use the reference # in place of the acct #?

    • Jeff Lenney says:

      Hi AJN

      I am not support for the company, please post your question in their private FaceBook group or contact support – you’ll get a much better answer than I can give you. 🙂

      Good luck!

      Jeff

  • Amaury Arriaga says:

    I have a few questions and concerns. My question is the book that you are advertising looks different to the one on the link we hit to purchase. I just want to make sure I’m getting the same book you are talking about. I am in need to clean up and fix my credit and get my life back on track. I am a single father of 2 little girls 8 & 11 and I am trying to start over. I have a poor credit score, due to a divorce my score dropped to mid 400’s. I have 2 repossessions and a few credit cards. so I hope this will help me get back on my feet.

    • Jeff Lenney says:

      Hi Amaury

      It’s called both Credit Secret AND Smart Money Secret – you’re at the right place. This will definitely help you get back on your feet, as a father myself I know that feeling of doing ANYTHING to take care of my little one – this is definitely a step in the right direction.

      Jeff

      • Alfredo Lopez aka Freddie says:

        Hello Lenny, I have purchased the program and book over 2 months ago and I have requested for my book on two different occasions I’m still waiting on my book which I have not received

        • Jeff Lenney says:

          Hi Fred,

          They asked me to let you know that that they’ve been emailing you at lci46(at)aol(dot)com (formatted here to avoid spam robots scraping your email address) and asking you to verify your correct mailing address but you have not responded. You may need to check your spam folder – thanks! 🙂

          Jeff

  • JACKI says:

    Hi Jeff,

    I can’t begin to tell you how long my husband and myself have been working on our credit. We’ve been married for 5 yrs. and out of those 5 we’ve worked with several credit repair companies seeing very few results I wont’ even mention the money we’ve spent. I ran across your program on Facebook, I looked at it and passed it up several times for fear it was some type of scam. Today, I decided I would review the video and found it very impressive. I am interested in trying your program, however, I’m like several other whom reviews I’ve read. I’ve been with Lexington Law since December 2015 and I’ve seen hardly no progress. So needless to say I’m a little iffy about the purchase.

    My husband and I would love to purchase a home, but I understand that good credit scores will be a major part of this taking place. We would love to ready to purchase in the next 6 months. Exceptionally tired of apartment life and looking for sincere credit help.

    • Jeff Lenney says:

      Hey Jacki!

      Thanks for the comment, and do me a favor – on this page – hit control f (to bring up the find box) then search for lexington.

      You’ll see a few OTHER people that have been with lexington for a long time (3 years is the longest) with only “so so results”.

      How much do you pay them a month, $100 or so? The Credit Secret/Smart Money Secret system is DIY – you just pay $49.00 for the book one time and don’t have to pay a dime more UNLESS you opt to stay signed up for the $19.99 per month program wich is 100% optional.

      Also – if you haven’t yet – take a look at the video I posted in this review – I go into the actual facebook group itself and show some of the REAL results by REAL members. You can’t fake what I did and it’s 100% real.

      Anyways – once you’re ready, get signed up at https://www.jefflenney.com/creditsecret and let me know how it goes please 🙂

      Jeff

  • Matt says:

    Jeff,

    I have a pretty specific question about my situation, and I’m wondering if you can answer it before I purchase (I’ll use your affiliate link, of course). I have a school loan that (I thought) was on deferment for an entire year and all of the reporting agencies show late payment for every single month of that year. I’m still not sure if I filed something incorrectly and this is an error, or if I truly missed an entire year of payments. Let’s assume that I screwed it all up and legitimately missed 1 year of payments…Do you think this system could help me remove that from my reports?

    • Jeff Lenney says:

      Hi Matt,

      Well I’ll be honest, that situation DOES suck. BUT – if it’s on your credit report (the lates), you can definitely dispute them and get them removed. No guarantees on that of course, but I’ve seen the system work just about every time – and in some cases where the initial response from the creditor or bereau was negative it was easy to fix/turn around with a 2nd letter.

      Pick it up here and PLEASE let me know how it goes! So many people forget to come back here to my blog and comment, but I see them posting their success in the Credit Secret FaceBook group all day long LOL

      If you have any more questions, don’t be shy – let me know! 🙂

      Jeff

      • Matt says:

        Cool! I’ll give it a go when I’m not traveling and I’ll come back to let you know how it goes.

  • Antonio says:

    Hey Jeff,

    Great write and review of the program. My wife and I are both interested in the program to increase our scores. Can we buy the program and both have access to the Facebook group w/o having to pay twice for the program since of course we both will use it?

    • Jeff Lenney says:

      Hi Antonio,

      Initially, they may just approve the email address to the group that made the purchase – however if you explain your situation to support I don’t see why they would not. 🙂

      If the support team says no for some reason, just let me know – I know Scott and a few people in the support team so I’m sure I can take care of you (but honestly, you’ll be fine I’m sure – they’re great)

      Get signed up here and let me know how it goes! 🙂

      https://jefflenney.com/creditsecret

      Jeff

  • anas says:

    when they say send a letter to correct an address and require proof of residence , ( it has to be listed under the new address I am updating to )

  • Fry guy says:

    Just wanted to make sure this is not a scam

  • Seazy says:

    How can the book/ program help someone with good credit? Can the book help with deleting or getting rid of current debt?

    • Jeff Lenney says:

      Hi Seazy,

      If you’ve got good credit already, then this is not for you. It’s made to delete nagative credit, but it does not magically remove debt 🙂

  • John says:

    Hello Jeff…

    I have one outstanding credit card (charge off of approx. $11K) that has been way past due, which has been the thorn in my side for the past couple of years. I haven’t been able to pay this down because of the amount of salary I have (after paying for mortgage, bills, groceries, etc.). By following the book, this will eliminate such? I have seen the reviews but only the introductory video to the book. I want to get the book but will have to wait for pay day. John

    • Jeff Lenney says:

      Hi John, First of all, I’m sorry for the delayed response. I was traveling a little bit and neglected my emails. 🙂

      Now – Having said that…YES – this will help to eliminate charge offs etc from your credit report but it WON’T remove the debt itself.

      I hope this helps clarify things!

      Jeff

  • Sara says:

    Jeff,

    If this product really works, then why charge for it. Our credit sucks and we live paycheck to paycheck with three kids. We really need our credit cleaned up, but $49 is a big risk especially when you live the way we have to. I have read reports that this is a scam and was also informed that to set up a web page anybody can do that and it doesn’t cost money to run it. I am so tired of falling for things and getting ripped off and brokenhearted. I suffer with sever depression and am scared.

    • Jeff Lenney says:

      Hi Sara

      If College helps people, then why charge for that? It’s a business. Yes it does work, and yes you can set up websites for free – but not like this one you can’t. 🙂

      I promise, this is the real deal and not a scam – if you ask me it’s worth way more than the $39 or $49 they’re asking for it.

      Jeff

  • Carolyn says:

    I so would love to try this but all my negative comments on my report are medical ones. Does this help with those?

  • Janie says:

    I have 2 charge offs and 2 open delinquent accounts. I also have a 706 score through Credit Carma. Will this program help clear those and is Credit Carma reliable?

    • Jeff Lenney says:

      Hi Janie

      Credit Karma will tell you your score – but it’s not going to help you clean it up. :-

      Credit Secret/Smart Money Secret can definitely help you do that – pick up a copy here and PLEASE come back and let us know how it goes 🙂

      Jeff

  • Ms. Jackson says:

    Hey… Jeff,

    I signed up today through your Facebook page. I wanted to ask you if the Smart Money Secret Guide works for removing hard Inquiries and their contact information off our credit report?

    If not, do you know a way I can request the Credit Bureaus to remove the Inquiries?

    Thanks..
    Ms. Jackson

    • Jeff Lenney says:

      Heya Ms Jackson.

      Make sure you join the private credit secret group on facebook – you should have a link to it in the members area. 🙂

      As for your question, yes it can def remove hard inquiries 🙂

      |Jeff

  • Tracy Thornton says:

    Hi Jeff!
    Do you think also purchasing The Automator is worth spending the extra money? I can see where it could save a lot of time possibly. What was your experience with it? Also, thank you for telling another email person that there is a recurring monthly fee you can opt out of at the end of 30 days (or less, I presume). I did not see this written anywhere. I would have liked to have ordered the program through your website but had already purchased it when I found you. I was looking for testimonials/info on the Automator.
    Thank you!
    Tracy

    • Jeff Lenney says:

      Hi Tracy,

      Well, I’m not here to make a quick buck – I’m here to help people – so my pleasure, I’m glad you found that useful.

      As for the automator, it’s definitely quite useful – not required at all but it IS a huge time saver. It’s up to you honestly, if you value your time saved over the fee of that ($97 I THINK) then pick it up. If not then don’t. Either way, if you follow the instructions in credit secret there’s no reason you won’t get amazing results.

      I hope this helps!

      Jeff

  • Brian says:

    Your comment is awaiting moderation.

    All my “bad credit” consists of late payments and charge offs. All of which was a result of working construction most of my life. Well now I have a good paying STEADY job.
    My question is will this system improve my “credit worthiness”? My debt to income ratio is very much in my favor, only my score is not!!

    • Jeff Lenney says:

      Hey Brian

      Yes this can definitely help you. You can get the late payments AND charge offs removed quite easily with this program & most definitely improve your ‘credit worthiness’ Letter 1 is made for charge offs in fact. 🙂

      Pick it up here, and let me know what you think! 🙂

      Jeff

  • James says:

    What if I don’t have negative marks but in debt with a low score? How and will this help me get my score in the upper 700?

    • Jeff Lenney says:

      Hi James,

      Well why is your score low? Just too many open lines of credit?

  • Gregg LeBlond says:

    Hi Jeff,

    I really really want to believe all this is for real, etc but I am still skeptical on the cost etc. What is the ACTUAL cost and is it one time or a monthly fee, etc. We have been working on our credit scores for the last 4 years and we are finally in the mid to high 600’s but we want that extra push to get us into the 700’s so this would work for us…i hope. I am worried about continuous charges etc etc though. Can you answer this cost question for me?

    Thanks!
    Gregg

    • Jeff Lenney says:

      Hi Gregg

      The book is a ONE TIME FEE of $49.00

      Now – you ARE enrolled in a free 30 day service also that goes to $40 or $50 a month AFTER 30 days – but you can cancel that at any time and it’s 100% optional.

      As for the cost – what’s to be skeptical about? It’s a 42 page e-book and FaceBook group – Scott & Alison want to help people, not charge them thousands for this information. 🙂

      Sign up here and PLEASE come back and tell me your results after 🙂

      Jeff

  • Mara says:

    Hi Jeff,

    Before I buy this, could you tell me if I can use PayPal rather than a credit card? If not, I need to wait for a few days. I appreciate your review. Thanks!

    • Jeff Lenney says:

      To be honest, I’m not sure Mara LOL

      I got it a couple of months ago and forget how I paid for it.

      Either way, you can check for yourself here – you just need to enter your email address to get the payment options

      Sorry if this isn’t the answer you wanted LOL

      Jeff

      • Stephen says:

        Jeff,

        Do you know off hand what letter to use to get student loans off the credit report.

        Thanks

        Stephen

        • Jeff Lenney says:

          Do a search in their private facebook group (there is a search bar) and I bet you’ll find that or any other questions you have 🙂

          Jeff

  • Kenny Choina says:

    First I would like to know. Am I going to get a Flag from my bank if I purchase this from you. The last time I tried to do this. I had to act dumb and say no I never authorize this. My wife and I are in need of help. I just don’t want to make a bad mistake and make things worse.

    Can you help us please.

    • Jeff Lenney says:

      Hi Kenny

      Why would you lie and say you didn’t authorize it when you did? Of course you’ll get a flag again from your bank, you said it was an an-authorized charge last time – they may just block it without even calling you this time.

      I don’t know that for sure, but it’s possible. Call them if the charge doesn’t go through.

      Pick it up here.

      Jeff

  • eddie says:

    Hey Jeff. Curious. I’m waiting to be added to the Facebook group under my name Eddie Putnam. I saw they have the automated program. Is that something I have to have right now? $97 is a bit more then I have right now

    • Jeff Lenney says:

      Hey Eddie

      The Automater is 100% OPTIONAL and not needed. However, having said that it IS quite cool – you just enter your name and a few more things, it creates your letters FOR you, and you take em off to the post office!

      Definitely a time saver if you don’t want to do some of the work yourself. However – in my opinion – with the letters in the Digital Book already – it’s not that difficult to copy/paste and add your own info.

      Your call – it’s worth it, but not necessary.

      I hope this helps!

      Jeff

      • eddie says:

        Thank you so much Jeff. I will have to sit down for a bit to get the addresses and all for each credit bureau and each creditor. One more thing. Which one should I mail out to first?

        • Jeff Lenney says:

          No problem man,

          Personally, i’d just mail out to them ALL at the same time – but that’s me and I like to hustle. No need to wait and do 1 at a time, after all 🙂

          Jeff

  • Joann says:

    Is this for real I am so tight paying bills taking care of my parents it’s tough for the only one working I really wish I could do but My parents come first it’s sounds great
    If I could spare it my life is on the line but family comes first.

    • Jeff Lenney says:

      Hi Joann

      It’s definitely real, and I’m sorry about the tight spot you’re in – I can certainly understand putting your family first so do what you have to do and take care of them. 🙂

      Jeff

  • Becky says:

    Hi Jeff,
    I don’t understand how if the negative marks are removed how they won’t reappear if the debt owed isn’t paid off?
    Please help me understand.
    Thanks!

    • Jeff Lenney says:

      Hi Becky,

      The debt can still be owed, but it’ll be removed from your credit report if the agency doesn’t respond within 30 days (they usually don’t, which is why this system works so well). 🙂

      If the original creditor couldn’t verify the originality of the debt the first time, than neither will this new collection agency. So if it DOES get re-added for some reason you’d just resend the Part 1 Letter 1 to the new collection agency for them to verify that debt, which they most likely won’t be able to and it’ll be deleted.

      Jeff

  • Jeff Lenney says:

    Hey LP

    Truly Cool Cat – man, I like the sound of that! LOL

    Anyways, to be honest I’ve been there before. Amazing income BUT my money all tied up in debt too. I think in this situation, Scott was making pretty damn good money – BUT he was paying it all towards credit cards & other bills instead of saving it and not paying it to debtors etc.

    As of now (August, 2016) my own credit score is 804 – banks tend to roll out the red carpet for you when you’re rocking a score above 800 like that LOL.

    Anyways, I hope this helps man – let me know if I can further clarify anything 🙂

    Always on the up and up,

    Jeff

  • Luis says:

    Can you remove repos from credit with your methods?

    • Jeff Lenney says:

      Hi Luis

      Yes definitely, I just did a search in the FaceBook group and found PLENTY of people with Repo’s discussing this, and what next steps to take. There are definitely ways you can do this – and you’ll learn them in the FaceBook group and the book itself.

      Pick it up here and get started for yourself 🙂

      Jeff

  • raul perez says:

    Hola amigo Jeff, hey i’m with Lexington law firm what’s the differance between ur program and Lexingtion ,Gracias

    • Jeff Lenney says:

      Hey My Friend,

      Great question. From what I understand, for Lexington Law you pay $99 a month, plus $12.50 as a registration fee.

    • So, Month 1 you’re paying $111.50 to Lexington
    • Month 2 – $99
    • Month 3 – $99
    • And So On
    • If you review other comments on this post (do a control F and type in lexington) you’ll see one person that’s been with them for over THREE YEARS with horrible results, that’s almost $4,000 they’ve spent.

      Now – with Smart Money Secret, you pay $49.00 for the book with ALL the knowledge you need to do things yourself. It comes with sample credit dispute letters and is a very helpful resource. Plus it is much more cost effective than using a credit agency such as Lexington to try and fix your credit.

      At any rate, sorry for the long run on answer – but the more I learn about this – the more I realize it’s easier, much quicker & much CHEAPER to fix your own credit using these same methods Lexington Law does. Plus, you’ll see excellent results in 1-3 months – not 1-3 years like some Lexington Law customers have reported in the comments here.

      At any rate, pick up your copy here – Hope this helps!

      Jeff

  • KIM HALL says:

    HELLO MY NAME IS KIM HALL, AND AFTER SEEING, HEARING & READING ALL OF THE BEAUTIFUL PEOPLE’S SECRETS OF THEIR CREDIT IMPROVEMENTS HAS ME FEELING LIKE I’M SO READY TO JUST JUMP ON BOARD THE GOOD LIFE, NO! THE BETTER LIFE SUCCESS TRAIN, ALL ABOARD, AND HERE IS MY TICKET, YEAP I’M ON MY WAY YALL, YEAH BOY!!!!! WATCH OUT NOW, I CAN’T WAIT, IT’S LONG OVER DUE FOR ME YEAH!!!!

    • Jeff Lenney says:

      LOL Fantastic Kim, welcome aboard – Looking forward to hearing your success story!!! 🙂

      Jeff

      • Stephen says:

        I just sent out 3 letters this morning certified to the CB’s for removal of bk. I used the letter from the ebook and help from Facebook group so hopefully it works. They will arrive on Monday.

        • Jeff Lenney says:

          Fantastic Stephen! Way to take action man! Let me know how it goes!! 🙂

          Jeff

  • Sharla Hamilton says:

    I purchased the book but I dont have any of my account numbers I went on credit krama but I dont see any account numbers on any of my collections.

    • Jeff Lenney says:

      Hey Sharla

      Sorry, I’m not sure how to answer that to be honest – try posting that question in the FaceBook group or contacting their support – they’ll be able to help you alot more than I will with regards to that. 🙂

      Jeff

  • Darryl says:

    Jeff, I sent a certified letter to the Mortgage company with the address listed on the credit report with negative remarks. It came back returned as the PO Box that was listed was not valid. How do I get the new address or will the Credit Agency remove this because of the address not valid?

    • Jeff Lenney says:

      Hi Darryl,

      Google may be your best bet to locate a good address for your creditor. Or, since it came back undelieverable, try to send Part 2 Letter 1 to the credit bureaus to make them verify the account. This could potentially end up with a removal of this account because if you were unable to verify this account with that address, then neither with the credit bureaus 🙂

      Hope this helps!

      Jeff

  • PAUL says:

    Jeff…I only have a bankruptcy and 8 hards on my record…how would spending $49.00 on this program help me. I already sent the letters to remove the bankruptcy and the hards. All three told me the bankruptcy will not come off until after 10 years..(which is 8/21/2017) How does it help to get rid of it? The hard inquiries stay on for 2 years! How does it get rid of those before two years? Give me good response and good answer and I’ll use your link…..

    • Jeff Lenney says:

      Hey Paul,

      Hi Stephen,

      I was told this by somebody on Scott’s Team:

      “Bankruptcies are one of the toughest to remove, but it can be done. There’s a number of members in our Facebook group that have been able to remove it successfully. If you navigate to the Facebook Group and type “bankruptcy” in the search box, you’ll be able to find those posts.

      Here is the best option to do this:

      Dispute directly with the credit bureaus, using the methods starting in Part 2 Letter 1 of the book. There is a chance one or more will remove it. If they don’t continue with the letters to the credit bureaus and even potentially filing small claims against the bureau(s) either for “failure to describe the method used to verify the claim”, or for not including the “disputed” mark on your credit report within 30 days.”

      Yes, it’s potentially a few letters you’ll be sending out – but I’ve seen plenty of people in the FB group have success with this so it’s worth being persistent.

      As for the inquiries, We’ve had a TON of members remove inquiries from Transunion, even one that removed 39, but they can take persistence as well. The negative accounts have the major impact so these are def worth going after.

      I hope this helps! 🙂

      Jeff

      • Stephen says:

        Jeff,

        If I want to get the bankruptcy removed from using the letters do I send it to the bankruptcy court since they are the ones who sent it to the credit bureaus.

        Thanks

        Stephen

        • Jeff Lenney says:

          Hi Stephen,

          That’s covered 100% in the SMS Book & FB Group! 🙂

          Jeff

          • Stephen says:

            Jeff,

            I will double check book because I don’t have Facebook so hopefully I can find it in the book.

            Thanks

            Stephen

          • Jeff Lenney says:

            My pleasure Stephen

            I HIGHLY recommend you sign up for FaceBook however, there are over 12,000 people in the FaceBook group now posting and helping each other out each day. It’s a great resource for Q&A, and worth getting a FB account just for, in my opinion. (You can also call or email their support, but in my opinion FaceBook is the best because everybody is able to learn from everybody else too) 🙂

            Jeff

  • Stephen says:

    I just signed up but where do I have to go to get the digital copy of it

    Thanks
    Steve

    • Jeff Lenney says:

      Hi Steve,

      Check your email – you would have been sent access a minute or two after paying. 🙂

      If it’s not there, check your spam folder – if it’s not THERE contact their support desk at support(at)creditsecret(dot)org.

      Jeff

      • Stephen says:

        The only thing I got was nothing in the email after I paid it had me go to free scores for credit report .

        Steve

        • Jeff Lenney says:

          Okay, that’s definitely the next step so you’re in their system. I bet it’s in your spam folder! (But if not, just shoot them an email like I suggested before) 🙂

          Jeff

  • Jeff Lenney says:

    You’re ENCOURAGED to copy them Kay, they’re perfect – just insert your own info in them, and send them off! 🙂

    Pick up your copy here, and let me know how it goes!

    Jeff

  • Marion Pettie says:

    Hi Jeff, I finally ordered the program today..But I prefer the hardcopy..Does the hardcopy contain everything in it as online..To my understanding, you get both.

    • Jeff Lenney says:

      Hi Marion

      Yes – both the PDF and Physical books have the same info! 🙂

      You’ll get the physical book in the mail within a week or so

      Let me know how it works out for you! 🙂

      Jeff

  • Barbi Garcia says:

    I have a judgement that shouldn’t be on my report and I have been trying to find a way to get it removed. I also have some collections all medical of course and some negative remarks on my house loans from 2010. My score went from 680 to 572 and I am wanting to know will this remove the negative remarks on all of my reports as well as remove that judgement that seems to never go away? Please help I want my life back!

    • Jeff Lenney says:

      Hi Barbi,

      Wow, that’s unfortunate about the judgement – but what you learn in Smart Money Secret can definitely help you get it removed as well as other collections, negatives, inquiries etc.

      Pick it up here, but PLEASE come back and let me know your results! 🙂

      Jeff

  • eddie says:

    Hey Jeff. So I’m one of the many pple looking to fix my credit. I’ve been giving a few names and other businesses. But don’t have the $1500 or $2000 to spend on the services. Will I regret my decision if I go with the smart money secret program? I’m seriously running out of options, and want to get out of debt and clean up my credit before it’s too late.

    • Jeff Lenney says:

      Eddie, read the other comments on my page here man, people are loving this because:

      It’s Affordable ($49.00) & it works 🙂 You won’t have to pay $99 per month like you would to Lexington law for a few years, just $49.00 for the book – and money on postage when you’re mailing out you letters.

      You will NOT regret it if you do things in the order it teaches. Pick it up here and let me know how it goes for you please! 🙂

      Jeff

  • Marion Pettie says:

    Is there a number to reach the support team after you purchase the credit info? I prefer doing business with people I can talk to when needing assistance. It’s more professional and reliable verses email.

    • Jeff Lenney says:

      Absolutely – they’ve got a phone # for support with hours etc, however you’d be silly to not take advantage of the FaceBook group too as there are TONS of people on there (my last count was 12,000 in there) and it’s growing every day by hundreds. Great Q&A sessions in there, tips & tricks etc.

      Hope this helps! 🙂

      Jeff

  • Sandy says:

    what if you already had a bankruptcy and it still is on my credit report. I thought it goes away after 7 yrs but it is still there.

    • Jeff Lenney says:

      Hi Sandy,

      It can most definitely help with removing Bankruptcy’s- I see examples of that multiple times per week in the private FaceBook group. 🙂

      Jeff

  • Marion Pettie says:

    Do the entire program comes in hard copy and ebook.. I prefer hard copy. What site do you sign up on? Does the program deals with charge offs?

    • Jeff Lenney says:

      Hi Marion

      It comes with both an e book AND a hard copy. The hard copy is shipped to you after you purchase – you should receive it within a week (depends where you are in the US – it ships from California I believe).

      As for where to purchase it, go here: https://jefflenney.com/creditsecret/, enter your email address below and hit sign up – you’ll be guided through the steps to purchase.

      I hope this helps and good luck! 🙂

      Jeff

  • Samuel Cokes says:

    Hi Jeff,

    Does this program work on people who has already filed chapter 13 bankruptcy? My credit is clear of everything except the bankruptcy, and the fact is show a low credit history now, which I assume is caused by filing the bankruptcy. Beside that, these are the only negative entry that show, beside me, controlling my credit card balance. Right now my credit score is around 671 to about 701 depending on my credit card balance. Is there anything this book will do, outside me waiting for me completing the bankruptcy (1 year left to pay on it) and 2 year after that to remain on my credit (total of 7 years0?

    • Jeff Lenney says:

      Hey Samuel

      Great question, and yes most definitely it can help remove Bankruptcy’s (chapter 13 or otherwise) from your Credit Report.

      And – naturally – you can also remove those two negatives which should also help!

      I hope this helps! 🙂

      Jeff

  • Stephen Suchanick says:

    I am interested in the program but before I go ahead with this I would like to know since my bankruptcy is only 2 years out will it still remove it off of all 3 of the credit reports and also remove any negative items. We are trying to get a bigger house since we have a 2 bedroom now and both of my girls are sharing a room. I really want to get this cleared up.

    Thanks,

    Stephen Suchanick

    • Jeff Lenney says:

      Hi Stephen,

      I was told this by somebody on Scott’s Team:

      “Bankruptcies are one of the toughest to remove, but it can be done. There’s a number of members in our Facebook group that have been able to remove it successfully. If you navigate to the Facebook Group and type “bankruptcy” in the search box, you’ll be able to find those posts.

      Here is the best option to do this:

      Dispute directly with the credit bureaus, using the methods starting in Part 2 Letter 1. There is a chance one or more will remove it. If they don’t continue with the letters to the credit bureaus and even potentially filing small claims against the bureau(s) either for “failure to describe the method used to verify the claim”, or for not including the “disputed” mark on your credit report within 30 days.”

      As for myself (Jeff) – I’ve seen plenty of people in the FaceBook group as well that have posted success with removing these.

      I hope this helps! 🙂

      Jeff

  • Ryan P. says:

    Hey I order the book still haven’t recieved anything also email the support email do know what my next option should be

    • Jeff Lenney says:

      Hi Ryan,

      Check your Spam Folder – I bet the email with the information is in there! 🙂

      If not, shoot their support desk an email (I think you said you did) and they’ll get back to you within a day or so. 🙂

      Jeff

      • Freddie Lopez says:

        Hello Jeff, I have not received the Money Secret Book please send it to (address removed by admin) i would really appreciate it.
        Thank You
        Freddie Lopez

        • Jeff Lenney says:

          Hey Freddie,

          I”m not sure where you are in the US – the book ships out from San Diego I believe a day or so after you pay – so it may take a few days to get there. 🙂

          If it’s been over a week and you haven’t received it, my suggestion is to shoot them an email at support(at)creditsecret(dot)org – they’re quite quick to respond to and help with any issues. 🙂

          Hope this helps!

          Jeff

    • Lu says:

      Hey Ryan,
      I too had that same exact problem just the other day in fact! But, mine was bc I didn’t submit my correct email addy. I left off a letter in my address. So, I did call their support and they helped out and fixed it no problem within just a matter of minutes.
      Good luck! You’re on your way to good stuff! 😉

      • Ryan P says:

        Ok thanks I give them a call earlier they said they get in contact with them so I’m give it bout a day also email them screenshot of my bank statement so I’m just waiting on a response

  • Lu says:

    Hey there Hi there,
    in California here -and bought this beauty yesterday afternoon online. Wow!! I am loving this and feeling the vibe! I ordered my credit reports from 360 and then printed them out..had already disputed some online through ck a month back but that worked out so so..and didn’t know lots of these little tidbit secrets but now I can do this the RIGHT way 😉 Anyway, I’m sending all nine of these babies off tomorrow morning certified and then it’s just the waiting game I guess…nail biting time..pacing time..haha! I’m pumped to get this ball rolling though! great info in here. I have yet to log onto the fb page… Will do that soon. Thx. I am glad you had your page here, cause I like reading reviews on EVERYTHING..haha! Can’t wait to update! 😉 I’ll be back!..said somebody famous once.

    • Jeff Lenney says:

      Hey Lu – California here too, don’t you just love our hot trafficy on fire state? LOL

      Anyways, glad to see your enthusiasm – hope to see you in the FaceBook group and see your amazing results, and GREAT job on already taking action so quickly!!! 🙂

      Jeff

  • shayan lavi says:

    jeff how can i message you about a couple questions i have.

    • Jeff Lenney says:

      Hi Shayan

      Well if you post them here I can answer publicly since I’m sure you’re not the only one with those questions. 🙂

      If you’d rather email me though, use the contact link at the top of my website here!

      Thanks

      Jeff

  • Denise says:

    Do closed accounts affect your credit score? If so, will this program help remove them and increase your score?

    • Jeff Lenney says:

      Actually, yes to both.

      Closing Old Accounts Could lower your average age of accounts – which in turn brings down your score.

      Smart Money Secret Can definitely help you remove those to improve your score. 🙂

      Pick it up at http://JeffLenney.com/CreditSecret/

      I hope this helps!

      Jeff

  • Ronald Millhouse says:

    I purchased the book and looking to join the room of followers. I’m looking forward to getting to work on my credit.

    • Jeff Lenney says:

      Fantastic Ronald! You’ll love the guide and the FaceBook group is great!
      (See ya in there!) 🙂

      Jeff

  • Devon says:

    I watched the video, read your article…but going to the website it looks like the only thing you can do is order a book(which , btw, is unavailable on Amazon)
    He says the price is 49.00 on the video…but I don’t see anywhere to order. Help

  • James says:

    Hi Jeff I am James, I am currently paying off credit card debt through an agency tied in with my banking institution. But i dont think its helping my credit fast enough. I have hard inquiries coming off each month, but the change to my credit does not always reflect the improvement. Plus the remaining bills I do pay and manage well; take forever to reflect on my credit report

    • Jeff Lenney says:

      Hi James,

      Props to you for taking that first step! Credit Secret/Smart Money Secret does have letters crafted to remove inquiries and lates, so you could definitely benefit from that. Just keep making your payments on time as you’ve been doing, and you will definitely see progress with the program!

      Jeff

      Jeff

  • Hello Jeff,
    How are you doing? What Great Reviews I See!!! I have just purchased “The Smart Money Secret”. However!, I have a question? I’m thrilled to clear my negatives from my report and late payments. I always pay my bills 95% of the time. As you know in life, things do come up. Not saying” this is going to happen.
    Lets’ just say I use the techniques that are mention in the course and my score goes up a 100 points or so. But, in the future I miss a few payments. Do you think I can use the same technique that I use before to clear my report up, or do you think the late payments will remain the same?

    • Jeff Lenney says:

      Hi Tiara,

      Yes, you can definitely use these ‘tricks’ in the future, just don’t purposely miss payments or anything just because you know you can clear them from your credit history LOL – Remember, use this for the power of good 🙂

      Jeff

  • Paula j Green says:

    Hi!! my name is Paula, I looked at the video and was amaze by it, I would love to do this right know because I cant get anything not evening a loan or bank account with the Credit Union, I have been giving my money to Lexington Law who i been with over three years and still have bad credit, I have seen some off my report but not as much. I would love to try this and cancel Lexington Law.

    • Jeff Lenney says:

      Hi Paula

      Wow, 3 years? What have they done for you? I’d seriously ask that. It takes 30 DAYS or LESS for your first major improvements to be seen.

      I’d fire them now, save your $99 a month that you’ve been paying them and just do it yourself with Smart Money Secret. If you do it in the order it says, you should see a huge difference in 30-90 days or so.

      Jeff

  • Will says:

    Will it take out inquiries cause i have a lot of them? How about bankruptcy? Are we just sending the letters to the 3 credit bureaus or to the lenders too?

    • Jeff Lenney says:

      Hi Will,

      Yes, it most definitely does remove inquiries – and there is a letter included in the book JUST for that. Bankruptcy too. As for who you’re sending letters to, it’s the 3 bureaus AND the lenders – double the power. 🙂

      Get signed up here, and let me know how it goes!

      Jeff

      • Gus Neri says:

        Hi Jeff- can you remove bankruptcies right away or wait until legal time frame for removal is up

        • Jeff Lenney says:

          Hey Gus

          GREAT question! And No, you don’t have to wait the full 7 years to get a bankruptcy removed. Smart Money Secret has had members remove bankruptcies just using the letters in this program and not have to wait the full 7 year term.

          I also did a search for “Bankruptcy” in the FB group and found a TON of people talking about their successes

          Good luck, I hope this answers your question 🙂

          Jeff

          P.S. Pick up Smart Money Secret and get to it – the longer you wait to take action, the longer you’ve got these on your Credit Report.

  • Allison says:

    Ok Jeff one more thing…i signed up but i didnt get the automater and i want it:( i could only afford to get the book at the time. I tbink the automater would greatly benefit me. How do i get it?? I e already hit the ground running…super stoked to continue! Lots of great info and i already do not regret this! Cant wait to see what happens!

    • Jeff Lenney says:

      Hi Alison, awesome – and if you contact their support desk (link is inside the members area) they’ll be able to get you a link to pick that up! 🙂

      Hope this helps!

      Jeff

  • Bob says:

    Jeff,
    I really want to get the program but unfortunately, my situation is dire and I can’t afford the program. Respectfully, without having to go into the horrific details, are there any options available to me? It may literally take me a coupe of weeks to afford it and I don’t know how long it will be available.

    • Jeff Lenney says:

      Hi Bob, I’m sorry – there are not any deals or special circumstances that I’m aware of. However, I don’t see this program going away any time soon. It’s helping a ton of people, and with the positive feedback it’s getting in the FaceBook group etc – I can see it being around for quite some time. That’s just my opinion of course, but I THINK you should be okay.

      Sorry I don’t have any better news for you though 🙁

      Jeff

  • Allison says:

    I am on the fence about this. I figure,its on 50 bucks with a guarantee for my money back…hmm. I see that youre real,and on fb and actually take the time to respond to all of us. But…im still weary. Not about the money, i frar getting my hopes up for more disappointment. I hired lexington law but i dont know if they will work for 12 months at $99 a month. This seems too good. My biggest concern is my eviction judgement. I cant rent anywhere! Student loans,medical bills…im exhausted…i just can’t take more disappointment. 🙁

    • Jeff Lenney says:

      Hi Allison

      Honestly, it works. Just do it and see for yourself. If you haven’t watched my video above yet with the full walkthrough of the Book & FaceBook group, I suggest you do. I show the FaceBook group and many people’s testimonials and screen shots and proof it’s working for them.

      This is based on the legal system in the US and works 100% of the time if done correctly.

      My advice, as another person said – just drop lexington law, you can do this YOURSELF in a fraction of the time for a fraction of what they’ll charge you.

      You said yourself that I’m real, I’m posting on FaceBook & answering questions. If this was NOT real – I would NOT be putting my name behind recommending it as I make a living online and promoting scams would not be good for my name or business, LOL.

      Hope this helps – and I hope to see you in the facebook group 🙂

      Jeff

  • Amie fowler says:

    Will this help with repossessions?

    • Jeff Lenney says:

      I had to research this one in the FB group as I have not had personal experience with it, but Yes Amie, it can definitely get them removed from your report! Just follow the same steps as you would for a ‘regular’ late/negative mark and it works the same way.

      Jeff

  • Deborah says:

    Got the book a month ago thanks to your recommendation Jeff, my score had already risen by 53 points (average) across the three bureaus!!! For those doubters out there, this really does work you just have to get off your rear and do what it teaches!!

    Thanks again Jeff, I’m glad I found this!!

    Deb

  • Billyzeke says:

    I’m all in ………….. i want to reiteriate about 1 poster who said he’s paying Lexington Law that enourmous FEE of $99 a month ………….. ridiculous

    also i was in contact with one rep last year theres a $12.95 join fee …. I halted him right there .wait a min wtf is that for i said YOU charge me $99 a month every month after why should i pay $12.95 upfront ???

    He said thats the processing fee any way i got the letters from that site saved on my pc but you have to rewrite them according to your situation ……….. MY score went down wasnt that good to start with 620 i had now it’s 560 because of one gross CC 1st premier bank who called me again yesterday and lady said oo yes i see your agreement etc… I blasted back at her this is umpteenth call i had from your company call i again i go for harrassment and fine you under the FTC and FDCPA and FCRA acts and YOU lose it all… KNOW your rights folks do not let CC companies bully you.

  • Michelle says:

    Hello, I am interested in trying the system, but am concerned about “debt being re-aged” if I send letters. Does communicating wit the companies “start the clock ticking again”?

    • Jeff Lenney says:

      Hi Michelle,

      No it does not, I’m pretty sure that’d be illegal if they could extend your ‘clock’ just because you contacted them. 🙂

      You’ve got nothing to worry about in that regard!

      Jeff

  • Dirk Fernandez says:

    Hello, it’s me again. Can we buy this book at Amazon? You see, I have tried and my card didn’t go through…I think my credit card company always screens anything that is being charged especially if they suspect that the transaction does not look legit.

    thank you.

    • Jeff Lenney says:

      Hi Dirk,

      I believe they’re sold out on Amazon, I had this happen before though – I just called my credit card, explained what I was trying to buy and they allowed the purchase. Not sure why you’re having this issue though, sorry..

      Let me know if that works!

      Jeff

  • Cortez says:

    I stoked to try this now.

    Jeff, is your code still valid?

  • Didra says:

    Hi Jeff:

    I just found out that other info reporting agencies that rate “levels of risk” (eg. Lexus/Nexus and Talx) also report info to auto and medical insurance agencies which impact the rates you are offered for premiums. Can the letters in the Smart Secret Credit Book be used to have these companies erase info affecting our ability to get car and medical insurance?

    Thanks!

    • Jeff Lenney says:

      Hi Didra,

      That’s a great question that unfortunately I don’t have the answer too because that’s kind on an unique situation.

      I can only speak on my experiences, but what I can say is this:

      Any type of account reporting in a derogatory fashion can be sent the Part 1 Letter 1 letter because you do have the right to dispute anything on your report.

      I hope this helps! 🙂

      Jeff

  • Dirk Fernandez says:

    Hello – I have not been late at any payments, thought right now I am paying practically the minimum amount because or cash flow issues with my Mom who is ill and where my $$$ go for her medication. I have high cash balances. It looks like there are hard inquiries on my credit profile for borrowings that did not materialize. When I bought a car and had it financed, the car dealer made 5 different calls to different lenders/financial firms so I got those in my credit profile. My credit exposure is very high too, with practically most of my card balances being maxed out.

    Edited: sorry I meant high card balances, not high cash balances.

    • Jeff Lenney says:

      Hey Dirk,

      No problem at all. This can definitely help remove the inquiries or any other errors on your credit report. At the minimum, run your credit report, see where you’re at, then follow the steps to get the inquiries etc removed and you should see it move up. You can also open up new cards with lower interest rates if that helps, and transfer the higher interest rate cards to the new ones. That won’t remove the debt of course, but your interest rate will be cheaper which means less out of your pocket each month.

      I hope this helps – good luck! 🙂

      Jeff

  • Billyzeke says:

    OK i have the letters that you need to rewrite and enter your own info but who do isend them too the 3 credit agencies experian , transunion and equifax.

    Is that all to remove zombie debts over 7 yrs old and about 12 dings from insurance agencies that has my report low at 605

    • Jeff Lenney says:

      Hi Billy

      Check page 4 in the Smart Credit Secret book – it’s answered there! 🙂

      And yes, that should take care of it – get them removed and you should be in the clear!

      Jeff

      Jeff

  • MB says:

    I have a question… my wife and I have hit a rough patch with our finances and are researching ways to get out of the hole we have found ourselves in. We are considering using a Freedom Debt Relief program that requires you stop paying your bills to allow your unsecured debt to default and go to collections and then they negotiate a lower amount with the collections agency. Of course, they charge a fee per settlement, but it ends up being a faster method to paying off the debt. And, the added benefit over something like bankruptcy is that you actually pay the debt off, so it’s not as bad. This will, however, leave your credit in bad shape for a while because essentially all of your accounts will show late statuses and collections.

    If we were to use this service, would this help clean up our reports after the fact to make the recovery process faster and less impactful? I know there are a lot of critics that would say there may be better options and FDR is just making money off us… but, their program allows a significantly smaller monthly payment and guarantee all debts to be paid in far less time than we can handle now. Is there any other option you can recommend for someone who’s unsecured debt payments are simply more than they can handle and doesn’t want to pursue bankruptcy?

    Please help!

    • Jeff Lenney says:

      Hey MB,

      Thanks for reaching out – and great questions, I’ll do my best to answer them for you and your wife!

      #1. Freedom Debt Relief. I found a GREAT article on them here and what you should do first: http://www.consumerreports.org/cro/2010/07/freedom-debt-relief/index.htm – basically, save your money, talk to your creditors FIRST to see if they have a plan for hardships that may allow you to reduce payments.

      I would imagine this would take a few phone calls, and it’s definitely something you can do on your own w/o the need to pay somebody else to do the work for you. I’m not sure what they charge, but I would imagine it’s not that cheap?

      #2 – As for the Smart Money Secret book, keep in mind it’s meant to help you REMOVE your negative marks on your credit report, it will NOT remove debt.

      #3 – As for other options, I’m afraid I don’t have the answer for that. Keep in mind i’m just reviewing the book and giving my own experiences – that may be a better question for the FaceBook group (over 10k members now, by the way) once you join the SMS program.

      Anyways – I really hope this helps, let me know if I can further clarify anything! 🙂

      Jeff

      • Gus Neri says:

        Hi Jeff- I am looking into your program and the comments made here. It sounds like this program only remove late payments and other derrigatory items on your credit report but does not address removing your debt. If this is the case, will the banks continue to report you as late due to outstanding debt you still owe, once a late is remove will it re occur due to unpaid balance?

        • Jeff Lenney says:

          Hi Gus,

          This program does not magically just remove the debt that you owe. By law, you still owe the debt, but the account just won’t be on your credit report. There’s been cases where people have gotten the entire account + debt removed because they took the creditor to court and they settled on the account by dropping the lawsuit in exchange for removal of the debt on this account.

          Good Luck! 🙂

          Jeff

          P.S. Here’s the link for Smart Money Secret

          • Gus Neri says:

            Thank you Jeff, so since account no longer in your credit report can bank continue to report it or is it permanently deleted. Also planning in ordering this book, thx

          • Jeff Lenney says:

            Hi Gus

            If an account is deleted of a credit report, yes, it can be re-inserted by another collect agency that buys the debt. The good thing is, if the original creditor couldn’t verify the originality of the debt the first time, than neither will this new collection agency. You’d just resend the Part 1 Letter 1 to the new collection agency for them to verify that debt, which they most likely won’t be able to and it’ll be deleted.

            Hope this helps! 🙂

            Jeff

          • Stephen says:

            Jeff should I do one thing at a time. Start with bk removal and then what would you suggest next to try. Inquiries or negative remarks. Thanks
            Steve

          • Jeff Lenney says:

            Everything at Once Stephen 🙂

            Also, be sure and check out the FB Group for further help – I’m not a member of their team, I just happen to be somewhat knowledgeable on the topic due to my own experience – which is limited.

            Jeff

          • Leslie McClure says:

            Hi Jeff,
            How does this program delete the negatives off your report? If it was real and could be done why wouldn’t everyone be using these secrets? I’ve researched credit fixes and I’ve never done any of them because I’m so afraid it’s a scam. I just don’t want this one to be a scam also. It sounds to good to be true and typically when that happens it is too good to be true.

            Thanks,
            Leslie

          • Jeff Lenney says:

            Hi Leslie

            Not everybody is using them because not everybody knows them. 🙂

            Essentially, it helps you (with pre-written letters) DISPUTE lates, negatives, liens, even bankruptices from your credit score. Payment History makes up 35% of your score, debt to ratio is 30% of your score, so by simply removing your negative items and lates is a great and easy way to get them removen.

            Do me a favor, if you haven’t yet, go up and watch the VIDEO I posted in this review. I go into the SMS FACEBOOK group and show REAL people’s conversations, wins etc.

            Once you watch the video, pick up SMS from here https://jefflenney.com/creditsecret

            I promise, it’s not a scam – they’re based in the US (In Nevada and California) and would be shut down, sued, arrested and more if this was in the SLIGHEST way a scam. 🙂

            Good luck!!

            I hope to see you in the FB group. 🙂

            Jeff

  • TERESA says:

    I would like to order this but like others have said, I am also sceptical! This book is just to help remove bad credit to help raise your credit score, right? Has a credit company ever gone with a lawsuit because of one of the letters mailed out that mentions lawsuit?

    • Jeff Lenney says:

      Hi Teresa,

      Honestly, I don’t blame you for being skeptical but I’ve done this stuff myself and it works. I also look at Posts on their private facebook page EVERY day and see people reporting successes in things like bankruptcys and other ‘impossible’ situations. As for your questino about credit companies and lawsuits, i have no way of knowing unfortunately – BUT If i had to guess i’d say no, as most credit companies simply don’t want to deal with the hassle – which is why this system works.

      Anyways, You have MY word that this system is legit, my name is Jeff Lenney – Google me – you won’t find anything bad about me because I’m known as the guy that tells people to AVOID scams, and I only point people towards things that WORK.

      Anyways, I hope this helps – thanks for commenting 🙂

      Jeff

  • Wendi says:

    How does this program work with student loans and if you have already filed bankruptcy in the past?

    What if you don’t have harassing phone calls and letters? Is this worth having if you are not in major debt?

    • Jeff Lenney says:

      Hi Wendi,

      Well – if you’ve got items on your credit report (such as student loan lates etc) that you want removed then I DEFINITELY recommend it. Just keep in mind, it won’t remove debt 🙂

      As for Bankruptcy, YES you can def have that removed too – there is a letter (part 2 letter 1) in Credit Secret that is written JUST for that scenario!

      Hope this helps!

      Jeff

      Jeff

  • Sean S says:

    I just purchased the Secret today. I have some late payments and a charge off. Score is currently in the low 600s so we will see what happens!!

    • Jeff Lenney says:

      Awesome Sean – you got this man, come back please and let me know how it goes in 30-60 days please 🙂

      Jeff

  • diana galuska says:

    woow

    • Jeff Lenney says:

      Pretty cool right? Let me know if I can answer any questions for you Diana! 🙂

      Jeff

  • Els Larry says:

    Will it remove my collections?

    • Jeff Lenney says:

      Hi Els, it certainly can – I just searched the FaceBook group real quick for the word “collections” and found a ton of people reporting positive results removing collections from all 3 credit agencies!

  • Dave Chandler says:

    Jeff…

    I feel like I have an impossible situation! Bankruptcy from Divorce (discharged), currently working thru Christian Debt Councelors due to reduction in pay and 1 check they weren’t able to give us in January. I have amazing equity in my home but can’t get to it now because of CDC and the “late” payments that show!

    Help
    Dave

    • Jeff Lenney says:

      Hi Dave,

      Wow – that’s tough man I’m sorry to hear about that. The techniques in this program should be able to help you remove the negative/late payments – the book costs about the price of a full tank of Premium Gas, and by what I’ve seen myself, and what i’ve read by others in the FaceBook group with impossible situations, nothing is impossible.

      I recommend picking it up, BUT i’d love for you to come back and comment after and let me and the others who are reading this review know your results in 30-60 days!

      Good luck – you can do this!

      Jeff

  • Gayle Brouckaert says:

    I want to try this but we are so short on money and I have been scamend so many times before believing this has to be real. Please help me believe this is 100% real. Thank you

    • Jeff Lenney says:

      HI Gayle

      It’s 100% Real – just keep in mind it’s going to cost you money in postage to mail your creditors, and they do recommend certified mail which costs more than just a few stamps.

      Having said that, take a look at my video and the FaceBook comments, take a look at the other comments on my review here. This is 100% real – and that Fact that I (Jeff Lenney) am putting my name behind my recommendation means alot. I would not recommend anything that’s fishy or iffy as I would not want to ruin my name online.

      I hope this helps!

      Jeff

  • Gloria Valverd says:

    I was trying to use my mom card to get my credit report but it decline it. is it bc its not under my name. Just was wondering about this? also since I broke a least apartment agreement will this go off my credit report or do I have to pay for the balance?

    • Jeff Lenney says:

      Hi Gloria,

      This is not a way to magically remove debt, keep that in mind – it’s to help you remove bad/negative marks from your credit score and improve it. Your balances would still be owed. 🙂

      As for the Credit Card, I’m not sure – you may want to email their support desk (link on the bottom of http://www.CreditSecret.org)

      Good luck! 🙂
      Jeff

      Jeff

  • Jacqueline smith says:

    I want to get the service

  • All says:

    Is this for US folks only? U.K babe here looking for repair lol

  • Abby says:

    I tried to order it twice and it said payment failed, I tried it with 2 diff cards and it wouldn’t let me purchase it, it said payment failed both times

    • Jeff Lenney says:

      Hi Abby

      Sorry, I have no control over that – you can submit a support ticket via their page here: http://creditsecret.org/contact-us/

      They should be able to take care of you – BUT I’m not sure if they work on weekends or not so it might take a day or two to hear back (with the 4th of july tomorrow as well)

      I’m sure they’ll be able to sort you out 🙂

      Jeff

      • Marion Pettie says:

        Hi Jeff, I was wondering. Is there a recurring payment for the credit program? I’m only interested if its a one time payment deal. Does the program covers charge offs, collections, and student loans even if there in good standings( deferred). What about repossessions that show as charge off account in reference to auto and a college that place their name on your credit report as a charge off. Even though you never borrowed money from them..FAFSA was the one who gave the student loan? Do your course show how to remove such?

        • Jeff Lenney says:

          Hi Marion

          Great questions! There is only a one time fee of $49 for the book – BUT there is 30 days Free Access to an upgrade which goes paid after 30 days. I’d recommend keeping that for 29 days, stick with it if you like it – but you can cancel if you don’t and never pay a dime over the $49 for the initial book.

          Pick it up here: https://jefflenney.com/CreditSecret

          I hope this helps!

          Jeff

          • Ron M says:

            I purchased the book but I’dont want anything taken from account yet as I need to cancel from Lexington Law and do a couple other things too. Can you assure that I won’t be charged for anything for now?

          • Jeff Lenney says:

            Hi Ron,

            You’ll want to contact their support desk if you want to cancel your payment – I’m just an affiliate and fan of the book, I have no control over when you’re charged. 🙂

            BTW – Good call on Canceling Lexington Law, I have heard both Good and Bad about them – it’s much cheaper to just do things on your own (and quicker too).

            Jeff

          • Ron M says:

            Thank you Jeff. I just cancelled a few minutes ago. Just received my credit reports so im going to try it.

          • Jeff Lenney says:

            Hi Ron,

            I’m not sure why you would cancel something you just paid for before you even got it….either way, good luck! 🙂

            Jeff

  • Angie says:

    I am trying to understand this system. So do you have to still pay off your debt that is owed? Is this system just removing negatives? Just curious since I switched careers last year to a strictly commissioned based job and I am so far behind on payments, sent to collections, etc. Just wondering how it works exactly before I order it! Thank you!

    • Jeff Lenney says:

      It’s about removing negatives from your credit report but it doesn’t make them magically paid off, unfortunately 🙂

      • sean says:

        That’s my question too—I lost my job and past due on my credit cards, except one that has zero balance. Do I still have to settle with the cc companies or pay off all the cards and then have the negative accounts removed?

        • Jeff Lenney says:

          Hey Sean

          That’s completely up to you – if you’re ABLE to – continue to make minimum ON-TIME payments for all of your credit cards. Use what Smart Money Secret teaches ALONG with doing that and you should see improvements.

          If you’re not able to MAKE the minimum payments, I’d suggest speaking with a Tax Attorney or Accountant. I’m a bit hesitant myself on ‘debt consolidation’ companies as many of them are legit scams.

          Anyways, that’s just what I’d do, I’m not an attorney or accountant so I can’t tell you EXACTLY what to do.

          Good luck – sorry I could not be more help 🙁

          Jeff

          • billyzeke says:

            EVERYBODY thinking this is scam listen to me.

            NOTHING happens Unless you take action. IF u just let your bad negative items and zombie debts sit on your credit report your going tp pay way more money per month because your bad risk and get nailed with an 18.6% interest rate.

          • Jeff Lenney says:

            Thank you Billy

            Nicely said! BTW for what it’s worth folks, this company (Info Up LLC, who owns Smart Money Secret) are based in the USA. If they were a scam, they’d have been arrested and shut down over a year ago.

            I PROMISE, this is 100% Legal, 100% Legit, and it’s stuff that works and I’ve used MYSELF.

            My name is Jeff Lenney, Google me, I do Search Engine Optimization for many high dollar clients and businesses and my reputation means EVERYTHING to me. If this were a scam, I would be the FIRST to say so!

            Pick up your own copy at http://www.JeffLenney.com/creditsecret – you won’t regret it 🙂

            Jeff

  • Khrystyn Scott says:

    Hi Jeff Lenney,

    How long does it take for the book order to come in the mail. I’ve done my research, and I’m actually fired up!!! I’m ready to utilize this resource. I’m paying Lexington Law $99.00 a month, and it seems as though there is no change. I was thinking about filing bankruptcy, but didn’t really want to unless nothing else worked out. However, I was on the worldstarhiphop and saw a post and opened the link. Now, I can’;t turn away.

    • Jeff Lenney says:

      Hey Khrysten, you get the digital book and access to their FaceBook group IMMEDIATELY. The physical book comes within a few days usually. It ships from California I think. I had mine in 3 days

      Definitely worth the investment! Hope this helps! Make sure you pick it up via jefflenney.com/creditsecret 🙂

      Jeff

      • Khrystyn Scott says:

        Hello,
        Will the creditor delete the negative items for good or will it be sold to another third party?

        • Jeff Lenney says:

          They’re deleted for good, you’ll be able to see a change pretty quickly on your credit score as well 🙂

  • Mia says:

    Hi Jeff, will this help me lower my interest rate or balance on my credit cards? I don’t really have late payments, but my balances are very high. I’m living paycheck to paycheck and I just lost my job. Thank you for any input.

    • Jeff Lenney says:

      Hi Mia

      Sorry for the delayed response, I was answering other questions via my phone but wanted to be back at my PC to answer you.

      While it won’t directly help you LOWER your Card’s Interest Rates, you CAN use it to improve your credit, sign up for NEW credit cards with Lower Interest Rates and transfer your balance from the higher rate cards to the lower ones. Yes it’s a little bit of work, BUT you’ll get better credit and lower rates in the process.

      Hope this helps – let me know if you have any other questions.

      Jeff

  • Freddie says:

    Hi Jeff, I’m really exited about this program I sent out 13 letters and I’m starting to get feed back from most of them it’s only been 10 days I’m hoping to see some changes which I know I will . Thank you for allowing myself and others learn about Credit Decrets
    Thanks again !
    Freddie

    • Jeff Lenney says:

      Fantastic Freddie, great job on taking action too! Come back and let us know how it goes okay? 🙂

      Jeff

  • Sheila Dargon says:

    Hi Jeff, my credit report is clean of any late payments. etc., but I have a high debt ratio and am just starting to worry that I won’t be able to keep up. Will this system help me obtain a loan to consolidate my debt with this high debt ratio? At this time I’m not looking at an increase in my salary for my day job, but I have a second job to help pay down my debt.

    • Jeff Lenney says:

      Hi Sheila

      Yah, actually I just checked to make sure and yes, I would say so. On page 33, there are 3 good methods for quickly getting good lines of credit. This would of course improve your DTR (debt to ratio) as long as you don’t immediately charge and don’t pay off the new credit lines 🙂

      Pick it up, it’s worth the tank of gas it’ll cost you! 🙂

      I hope this helps!

      Jeff

  • Jeff Lenney says:

    Hi Gloria,

    What did the text you got say exactly? I had no problem getting access myself, and from what I understand the Credit Secret Team has a good relationship with their bank. The product is definitely safe and legit.

    Let me know what the text said so perhaps I can help?

    PERSONALLY – I have text alerts set up on one of my bank accts; after EVERY purchase I get a text immediately telling me where my Debit Card was used and what amount was spent – are you sure it wasn’t something like that?

    Jeff

  • Terence Stamp says:

    I somehow recently found the Credit Secret site on my own. Because I knew a house purchase will happen this summer, I wanted to get in front of the ball so to speak. I recently sent out my first batch of letters and I expect to start receiving replies and/or deletions any day now. Then I come to Jeff’s sure here and see his review. I guess it’s true what they say about an idea worm. Oh, and by the way, the Credit Secret Facebook group is ACTIVE, with people helping each other and answering questions all day, everyday. Go ahead and buy this with no regrets.

    • Jeff Lenney says:

      Thanks Terence. Yah it’s definitely the real deal. Post back here and let us all know how your first results are!!

      • Terence Stamp says:

        I have started receiving some replies back from the credit bureaus. I had a judgement listed with all three of the big reporting agencies. The judgement has been deleted from two of them and I am still waiting on on the last agency to respond. I expect a deletion from them as well.

        • Jeff Lenney says:

          NICE Terence, thanks for the update – seems like it’s going well for you! 🙂

          Jeff

      • Mary Wadley says:

        Where do I go to get this? I watched the video and nothing popped up to click it

      • Tricia says:

        I just watched the video and I want to try it but I’m literally on my last dollars. I want to make sure it works if I invest into this. I’m a little scared about getting it.

        • Jeff Lenney says:

          Hi Tricia

          It definitely DOES work – just please don’t spend your last dollar on it if you need to pay rent or get food or anything.

          Having said that, it works, but you’ll also need to pay a bit for verified mail to send to your debtors and the credit bureaus etc – so plan on that as well

          Just FYI – you’ll be signed up for a monthly service, it’s free the first 30 days BUT you can cancel that anytime. 🙂

          Good luck!

          Jeff

          • Dian e says:

            So the $49 up front is
            For what? Is that all u have to pay

          • Jeff Lenney says:

            Hi Dian e,

            Yes, if you wish. There is a monthly optin (an upsell, if you will) that you’re given 30 days free access to – but you can cancel that anytime (day 1, or even day 29) and never pay a dime more than the initial cost of the SMS Book and program.

            Pick up your copy here, let me know what you think! https://jefflenney.com/creditsecret 🙂

            jeff

      • Terry says:

        When I order this will it help me and guide me with sending the letters and how long would it take me to be able to get a credit card and build from there

        • Jeff Lenney says:

          Hi Terry

          To answer your questions,

          1. Yes it DOES guide you on sending the letters. It gives you the exact sequence, and even tells you what letters to send for what situation.
          2. As for how long it will take to get a CC and build from there – let me ask this; how long is a piece of string? 🙂 This question is impossible to answer as so many things depend on you and your own credit history, so that’s not something I or anybody could say..

          Having said that – I’ve seen members in the FB group show large increases in the first WEEK using the system. That’s not always the case, but you should see nice improvements in the first 30-60 days if you follow and stick to the program.

          I hope this helps, pick it up from https://www.jefflenney.com/creditsecret

          Good luck 🙂

          Jeff

          2

          • Ken says:

            Hey jeff still waiting for my copy I signed up you suppose to send a email to confirm my membership still waiting and how long does it take to get the book still waiting I was supposed be able to join the Facebook group no invite what’s up with that if could please clear this up for me would greatly appreciated

          • Jeff Lenney says:

            Hey Ken,

            Congrats on joining, you should have received an email from their system (not mine), so check your spam folder. 🙂 The book can take a few days to a week or so to arrive, just depends where in the US you are! If you didn’t get the members area email, contact their support at support(at)creditsecret(dot)org and they’ll ake care of ya 🙂

            Jeff

    • Barbara says:

      I really want to try but I’m afraid. Is this for real?

      • Jeff Lenney says:

        Hi Barbara,

        It most definitely is! 🙂

        Take a look at the Video Review I posted in this article, I show the private FaceBook group and REAL comments by real users. Also take at look at some of the other comments on this blog. As I mentioned to a few other people, I take pride in recommending quality products – I would not want to ruin my own reputation by doing otherwise.

        Hope this helps – and I hope to see you in the FaceBook group! 🙂

        Jeff

      • Bill says:

        100% real mary i’m getting it this month , the credit agencies that supposedly fix your reports charge $12 up front and $99 per month.

        Plus they dont do a great job. OLD saying goes wnat something done right do it yourself

    • Dion says:

      Hi Jeff,

      I’m interested in getting the service. However, I don’t have much time to read a whole book as i’m a single parent, work full time as well as taking classes. My question is will I be able to get this done simply by sending prepared docs to my creditors? I heard you say one must follow the directions and read the book in order to be successful. i don’t want to make any mistake is there someone who will aid me in this if needed?

      • Jeff Lenney says:

        Hi Dion

        Sorry for the delayed response, I thought i responded earlier! Actually, the book is only 42 pages and can be gone through in pretty good detail in just 30-60 minutes. The BULK of the work is actually ‘taking action’ and writing your letters once you review the credit reports, BUT they make it easy and give you templates you can copy and paste so that saves you alot of time too.

        Anyways – you can definitely do this full time easily. The BULK of the work will be just one day – then you just wait for the letters to come in with positive responses 🙂

        Pick it up here: https://jefflenney.com/creditsecret – sorry again for the delayed response.

        Jeff

        • Dian e says:

          I thought the letters were all done for us all
          We have to do is fill them in

          • Jeff Lenney says:

            Hi Dian e,

            There are examples you can use for yourself, you can actually just copy those from the PDF and add your own info. So while they’re not “done for you” with fill in the blank, per say, it could not be any easier than this. 🙂

            Pick up your copy from http://www.creditsecret.org and let me know what ya think 🙂

            Jeff

          • Btittany says:

            Hi Jeff… Ive read probably 100 comments and fell fairly certain about the legitimacy of the book; however Im not sure It can help me? And my parents.. Golly. Okay so this might be a long one and I apologize for that. So.. Ill tell you my story. Please help!!
            My name is Brittany; I live in a small town in Georgia with just a few hundred people of population. We are ALL disasters in the credit field.. Which is probably while we are so consolidated. From what I can tell its such a out of reach area that anyone put in our situation who goes to realitors to find places to live get put here. They all work in factories so.. Just think about the Hunger Games and you can pretty much imagine my small town. Anyhow; im 19 years old. I am well beyond my age due to the hardships I have had to go through. I have no negative marks on my credit as Im very responsible with my money and working to get out of this infectious environment. However through trying to get a loan last year I have alot of inquires.. Could the book help with that? Also what else could it help ME with in the future? As far as my parents; my dad is very responsible but hes a financial slave to my mother… Yeah im not going into that one but she is head of the house and controls everything. The bills.. His paycheck. Everything. Could giving her the book after Im done with it potentially teach her how to be more responsible with their money? She has ruined both of their credit scores beyond anything you could probably imagine and unfortunately my brothers as well. Would have happened to mine if I didnt check my credit often and had to actually threaten to put her in jail for stealing my identity if she didnt pay off the amount she owed on my account. Please help Jeff… Im stressed beyond belief right now with everything else going on in my life and.. Theyre actually living in a home with no ac or heat thats half burned down from a fire in December that they couldnt afford to get repaired with mold and mildew and bug infestations due to the open exposure from the fire… Im hoping they can get out of there and start renting somewhere; rebuild there credit and try again in a year or so at buying a house. Thanks alot…

          • Jeff Lenney says:

            Hey Brittany

            So sorry about the delayed response, It’s been a BUSSSSSSSSSSY week for me and i’m just now getting to answering comments from the week.

            Anyways, (great description of your town by the way, you ever consider being a writer?) – I think it can definitely help. It DOES help you remove hard inquiries, and those are some of the easiest things to remove.

            Also, you’re encouraged to share the book once you’re done – let it help the whole family.

            The only thing it WON’T help you do is remove debt, anything you or any family members owe, they’ll still owe.

            Anyways, I really hope this helps and I’m sorry about the delayed response. Sounds like you are definitely beyond your 19 years. 🙂

            https://www.jefflenney.com/creditsecret – that’s the link to pick up the book – good luck and PLEASE come back and let us all know how it goes!

            Jeff

        • Daniel says:

          Where do you copy paste the templets? Online or from the book? You said this can be started online once you purchase. Please advice?

          Dan.

    • Dion says:

      Jeff,
      I’m interested in ordering the credit repair kit, with full time work, school and a single father. I don’t have much time to read another book or deal with lots of paperwork. Are there anyone who can either walk me through the steps or for a fee take over and handle this for me? i just don’t want to make any mistakes and waste time and money. Your thoughts?

    • Laura says:

      I want to try this but like many other people i want to make sure it works so i have watched video and read coments but like many people i am skeptick and i have many bills to pay which leaves me with no money to buy gas or food

      • Jeff Lenney says:

        Hi Laura

        While it definitely DOES work – I would not spend your gas or food money on it. Take care of yourself and your family FIRST, get this ONLY when it won’ be a financial burden to do so.

        Jeff

    • Michelle Olave says:

      Hello my name is Michelle,I don’t now way I’m not finding the way to write my letters I really trying to find the copies so I can copy it to send my letters out so I can feel I’m getting ready to become free again ,can u please help me ,please

    • Jeff,I do not know if u can help me or not.My problem is,fb updated my phone when I lost my connection with CMS I tried to respond to some comments It said I can’t get to u anymore .How do I get back to continue as a member.i have been a member for 2-3 yrs.

      • Jeff Lenney says:

        Hi James

        Hit up credit secret support via creditsecret.org – they’ll take care of you 🙂

        Jeff

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