Credit Secrets: Official Site of the Book

What is the Credit Secrets Program?

The Credit Secrets Program is a proven, customer-vetted process to transform your credit score and financial health…

Allowing you to gain control over your financial future, improve your credit score, and unlock new financial opportunities…

Without relying on expensive credit repair agencies or engaging in endless disputes with credit bureaus.

We achieve this by providing you with easy-to-follow strategies, expert insights, and actionable steps without overwhelming jargon, unnecessary complexity, or risky shortcuts that can backfire.

As a result…

This frees you up to focus on your financial goals and dreams…

Like buying a home or car, investing in your future, or simply enjoying the peace of mind that comes with financial stability - this is the Credit Secrets Program.

The Credit Secrets Program is a shortcut

Before we created the Credit Secrets Program - I worked in the credit industry where I witnessed firsthand the struggles that many Americans faced with their credit for years…

With many of them on the verge of giving up.

Then, one night, while I was at a conference in San Diego, I met a guy named Scott Hilton who told me something that would change our lives and the lives of thousands of Americans forever.

He told me that he was living on credit cards and had run out of money after failing to become a Hollywood actor.

He had racked up so many bills that he couldn’t afford to pay off the balances — plunging him deeper into debt and sending many of his accounts to collections.

No matter how much he made each month, he just couldn’t put a dent on his monthly payments.

What’s worse was, the hidden fees and interest charges continued to pile up to the point where it was literally suffocating him.

The only thing he could do to relieve his stress and anxiety was to take all sorts of depression and anxiety medication.

The pressure was too much.

So Scott did the only thing he thought he could do.

He went online and reserved an appointment with a bankruptcy lawyer that was happening the following week.

After hearing Scott’s story, I felt sick to my stomach.

I knew his pain because I had talked to hundreds of working class Americans just like Scott for years. They were just trying to get by but my cold scripted answer to them was always to go get their checkbook.

I felt guilty.

So when the opportunity to help Scott presented itself, I knew it was another chance for me to redeem myself.

I knew I had to help Scott get out of his situation using what I had learned from working at the credit industry all those years.

This is what led me to go on a life mission to help more Americans finally take control of their credit and raise their scores higher than they’ve ever been before.

Because after watching Scott use the little-known strategies I taught him to completely remove 12 negative accounts on his credit report and buy himself a new Maserati…

I knew it could help change the lives of other people too.

Here's how it works:

The Old Way:

Difficult Step 1

Spending hours disputing credit report errors

Difficult Step 2

Begging creditors for goodwill adjustments

Difficult Step 3

Paying for expensive credit repair services

Difficult Step 4

Juggling multiple high-interest loans

Difficult Step 5

Dealing with constant rejections for new credit

Difficult Step 6

Feeling overwhelmed by complicated financial advice

End Result Nobody Wants:

Stuck in a cycle of bad credit with no clear way out

The New Way:

Easy Step 1

Following clear, expert-guided action steps

Easy Step 2

Leveraging legal rights for credit improvement

Easy Step 3

Applying simple strategies to boost credit scores quickly

Desired Result

Achieving a 750+ credit score, unlocking financial opportunities, and gaining peace of mind

Here's How Many of Our Members Went from Poor to Excellent Credit By Without Paying of Debt, Hiring a Credit Repair Agency, Or Sacrificing Their Quality of Life

Monday, 6:21am

Dallas, TX

From: The laptop of Jay Hannon

Re: How to raise your scores to 750+ (And take control of your financial future)

Would it surprise you to learn that we’ve helped over 833,000 Americans learn how to raise their credit score and take control of their financial future using the information revealed inside the Credit Secrets program?

Skeptical?

You should be.

After all, you can’t believe everything you read on the internet :-)

So Let Me Prove It To You

But first, read this disclaimer:

I have the benefit of years of insider experience in the credit industry.

The average person who buys any “how to” information gets little to no results. I’m using these references for example purposes only.

Your results will vary and depend on many factors… including but not limited to your background, experience, and work ethic.

All purchases entail risk as well as massive and consistent effort and action.

If you're not willing to accept that, please DO NOT GET THIS program.

With that said … let me jump right in and show you…

How We Did It By Using A Proven, Customer-Vetted Process That Thousands of Americans Are Now Using To Significantly Improve Their Credit Scores…

And in turn unlock better financial opportunities usually reserved for the top 1%...

All while reducing financial stress so they can focus on what they truly want…

And best of all, gaining a sense of financial freedom and empowerment.

Just Like Earnest, Who Joined The Credit Secrets Program And Soon After Saw His Scores Jump To 844

He launched two businesses in that time that have produced seven figures and three others crossing multiple six figures over the last six years.

Take a look at what he posted inside our private FB Group:

And even though achieving an 844 credit score and financial independence is incredible…

That's not the best part.

The best part is the confidence of knowing that you have the exact roadmap you need to raise your scores.

It's about the confidence to take control of your life and the wisdom to make smart financial decisions.

And Earnest isn’t the only one either…

This Is Larry, Another Credit Secrets Member, Who Joined The Program Not Too Long Ago…

And soon found himself a part of the 700+ club.

Here’s a post he posted in our private Facebook Community:

Here’s another Credit Secrets member who started using these strategies…

Meet Sophia Who Got Approved for

$90,000

in Credit Across The Board!

Earnest, Larry, and Sophia Are Part Of A Group Of Nearly 31,000 Members Who Are Doing Things Differently…

And you can bet...

The Credit Secrets Program is unlike any program you've heard of before…

This is something completely different, because we don’t focus on:

Quick fixes that don’t last.
Disputing every single item without using simple, proven strategies.
Empty promises of overnight credit score jumps.
Costly credit repair companies that charge without delivering.
Generic advice that doesn’t apply to your unique situation.

In fact: we do not recommend actions that don’t lead to long-term financial health.

Instead, we give you little-known score boosting tools and strategies that put you in the driver's seat of your own credit score journey...

Like I said…

This is something completely different and it has the power to change everything for you.

And I know that’s true.

Because it changed everything for Scott and for our members who took action on what we are sharing inside the program.

The Credit Secrets Program allows you to get rid of 99% of all the BS that comes with repairing your credit and achieving financial freedom.

Things like…

Relying on credit repair companies.
Believing that a good credit score is out of your reach.
Accepting denial letters as your fate.
Feeling powerless in your financial journey.
Wasting money on strategies that don’t work.

The Credit Secrets Program freed Scott and our members from all that and allowed them to regain control over their financial future.

Here’s what our members' lives used to look like (and if you’ve ever tried to repair your credit, then I’m sure you can relate)…

I call this the “Cycle of Credit Despair”:

Step 1

Discover inaccuracies on your credit report and feel overwhelmed about how to dispute them.

Step 2

Attempt to negotiate with creditors, only to be met with resistance or unhelpful responses.

Step 3

Spend money on credit repair services that promise quick fixes but fail to deliver significant changes.

Step 4

Apply for new credit lines in hopes of improving credit utilization, only to be denied.

Step 5

Juggle multiple high-interest debts, trying to make minimum payments and not fall further behind.

Step 6

Feel restricted by your credit score, unable to qualify for a mortgage, a car loan, or even reasonable insurance rates.

Step 7

Lose hope as your financial options seem to dwindle, impacting your life choices and opportunities.

Step 8

Start over, searching for new strategies or advice, only to find yourself back at step one.

This Cycle of Credit Despair not only sucks, but has kept thousands of Americans stuck for years - forcing them to live with the consequences of a poor credit score while working tirelessly to find a solution.

This is exactly why we created the Credit Secrets Program…

And spent countless hours turning it into a simple, easy-to-understand process…

So you too can start raising your scores and finally transform your financial life for the better.

The little-known credit-raising strategies inside the Credit Secrets Program are 100% legal…

And we’ve broken them down into simple, actionable advice to help you finally improve your credit score and achieve financial freedom.

Think about it:

Why struggle with disputing credit report errors on your own?

The program guides you through the process with expert advice and effective strategies.

Why waste money on expensive credit repair services that don't deliver?

With the Credit Secrets Program, you have all the tools and knowledge at your fingertips.

Why let past financial mistakes dictate your future?

The program empowers you to take control and make positive changes that have a lasting impact.

Why continue feeling restricted by a low credit score?

The program offers a clear path to not only improving your score but also opening up new financial possibilities.

The really cool thing is that…

If you follow every single step that we teach in the Credit Secrets Program…

You end up with not just an improved credit score, but also with better financial understanding and control over your financial future...

But it’s much more than that..

It’s actually a complete transformation of your financial identity and the way you interact with money and credit forever.

So here's the deal…

Right now, as you're reading this very page...

There's a lot of misinformation and short-term tactics being peddled in the world of credit repair.

This has created a lot of confusion among those trying to improve their credit.

That’s why most people struggling with credit issues are looking for a new solution…

And as you may have guessed it - we have it.

And what's really cool is that our solution is actually better for the customer than the old way of fixing your credit.

And that's where the Credit Secrets Program comes in.

It does this beautifully in clear, manageable steps.

Step 1

Follow clear,
expert-guided
action steps

Step 2

Leverage legal
loopholes for credit
improvement

Step 3

Apply simple
strategies to boost
credit scores quickly

Desired Result

Achieving a excellent credit score, unlocking financial opportunities, and gaining peace of mind

And that’s the difference here.

When you approach fixing your credit using this program, the results are not just quick fixes, but lasting credit improvement.

All you need is the willingness to learn and apply these proven strategies.

And You Know What? I'll Stake My Entire Reputation On This One Promise

You can transform your credit score and financial life.

And once you start using the Credit Secrets Program...

Getting the credit score and financial freedom you desire isn’t something you ever need to worry about again - or even think about.

It’s something that comes naturally when you apply the knowledge and strategies we share inside.

In fact, here’s what I want you to do now: set your calendar right now - set it to just a few months from today.

Because if you implement everything I’m going to share with you in the Credit Secrets Program…

That’s when you’ll start seeing your first improvements.

That’s how easy this is.

I know that may sound ridiculous or cliche.

But listen:

I don’t care how many times you’ve tried to improve your credit score.

I promise you this…

Anyone can transform their credit with the right process.

Ultimately, I want you to know one thing..

If Countless Americans Can Do This, So Can You!

Because thousands of Americans are doing it right now within the Credit Secrets Community…

Just check out some of the posts inside:

And Here's Another Reason You Can Do This Too

It took my team and I a short time to "figure this out" and another brief period to perfect it.

Which is safe to say that there isn't anything left for you to figure out.

We have already done all of the hard work for you.

We figured it all out.

Which means...there’s nothing for you to “figure out”.

You just need to use the program and most important of all - implement it!

That’s it…

Here’s The Exact 3-Step Process Inside The Credit Secrets Program For Transforming Your Credit Score

Understanding Your Credit

(We'll demystify credit scores and reports, making it clear what impacts your score and how.)

Step 01

Advanced Dispute Strategies

(We'll guide you on how to effectively dispute inaccuracies and negotiate with creditors for the best outcome.)

Step 02

Building and Managing Credit

(We'll show you how to build new credit lines responsibly and manage your existing credit to maximize your score.)

Step 03

Those are the steps to achieving the credit score you've always wanted.

All of this is revealed in the Credit Secrets Program in step-by-step detail…

Making it a counterintuitive approach to credit improvement if you want freedom, confidence, and peace of mind.

And that's not all, because...

Here's What Else You're Going To Discover In The Credit Secrets Program

Little-known strategies for removing inquiries from your credit report to boost your scores faster
What to do when you want to get personal information removed and the credit bureau is giving you a hard time
The top 5 credit violations you can take advantage of to turn the tables around in your favor
How to remove inaccurate, incomplete, unfair, or unverifiable items from your credit report
Advanced tactics for handling issues like student loans, foreclosures, repossessions, medical collections, and bankruptcies
The “security freeze trick” for removing public records from your credit report
In-depth insights into data miners and their impact on your credit
A little-known “loophole” for removing liens and judgments
How to deal with identity theft situations and lawsuits
What you need to know about ChexSystems removals to raise your scores
Advanced credit techniques for securing credit lines even with low scores or ZERO credit
Post-credit repair steps to maintain high credit scores (so your scores stay high and you never have to experience the frustration, stress, and anxiety that comes with low credit scores ever again)
And much more...

If transforming your credit score and achieving financial freedom is what you are looking for, this is the most comprehensive program that shows you how to get it.

Plus, I'm Also Going To Give You Access To These 3 Bonuses…

Credit Secrets Guide To Business Credit

($39.95 Value)

If you've ever thought of starting your own home business, the Credit Secrets Guide to Building Business Credit can help you get there. You'll discover how starting a business allows you to secure business loans and lines of credit for doing something you love. Here’s exactly what you’ll discover inside:

Discover the ins and outs of getting approved for business credit and secure the funding you need fast -- regardless if your business is completely brand new.
Hear firsthand how one of our members secured over $260,000 in business and personal credit with the help of Credit Secrets. (Feel free to take some notes and apply the tips and strategies mentioned inside to get the funding you need!)
How to set up your new business correctly to maximize your chances of getting approved for funding
The inside scoop on applying for business bank accounts (including what to look for, the different accounts you need and an overlooked tool that can help you find funding like loans and grants much faster)
And more!

Credit Secrets Quickstart Guide

($19.95 Value)

This QuickStart Guide could have you seeing improvements before you even get to the main Credit Secrets book! This short but powerful guide will show you step-by-step how to get started toward improving your scores... in the simplest and easiest way possible. You will discover…

How ONE simple letter could raise your scores by 30-70 points! (You can even download this letter right on your dashboard when you login.)
The best part? It’s so simple to do, you can finish it in one day and be on track to raising your scores this year.
Step-by-step instructions to help you customize your letter based on your specific situation and send it out right away. (If you just follow these steps,, you will be on your way to getting your first wins with the Credit Secrets Program.)
And more!

Medical Debt Loophole

($19.95 Value)

This 'Medical Debt Loophole' guide offers a comprehensive, step-by-step approach to eliminating burdensome medical debt through little-known, yet highly effective, strategies and loopholes. Here’s what you will discover inside:

Learn why disclosing your insurance too early might lead to inflated medical bills
Discover a simple strategy to prevent hospitals from charging you for services you never received
How to navigate collections and dispute unjust charges from your credit reports
Actionable tips for tackling medical billing errors, what your rights are when it comes to dealing with medical debt and more!

And there's no charge for them.

I want you to have them as my gift for checking out the program.

And Before You Join… I Want You To Know That There's No Catch!

I know there are some websites out there that offer you a great deal on something but then they stick you in some program that charges your card every month.

This isn't one of them.

There's NO hidden "continuity program" you have to try or anything even remotely like that.

I'm literally giving you this entire program, for $39.00, as a means of "putting my best foot forward" and demonstrating real value.

My hope is that you'll love it and this will be the start of a good relationship for years to come.

Oh. And in case you're wondering...

Yes.

Of course, there's a money-back guarantee.

In fact, I think it's…

The BEST Money-Back Guarantee In The World

If you find for any reason this program isn’t everything we’ve described and more…

Just send an email to our support team at support@creditsecret.org or call us at (877) 215-6015 within 30 days for a full 100% money back guarantee -

No questions asked.

But if you commit to using the program for 90 days following the steps inside and find your scores don’t improve…

Let us know and we’ll give you double your money back.

How’s that for the world’s best money-back guarantee? I’d say pretty good!

And since you’ve made it this far, I’ll assume that you’re ready to order, so with that in mind…

Get Instant Access To The Credit Secrets Program For Just $39.00 Below:

Trust the process,

Jay Hannon

Founder, Credit Secrets

P.S. Remember, the Credit Secrets Program comes with The BEST Money-Back Guarantee In The World.

And if you’re not happy for any reason (and I mean ANY reason) - just let us know at support@creditsecret.org or call us at (877) 215-6015 and we’ll refund you your $39.00

Frequently Asked Questions

What is Credit Secrets?

Credit Secrets is a comprehensive program designed to help you improve your credit scores and achieve financial stability. It includes a step-by-step video course that complements the book’s content, which helps you better understand and follow the process so you can raise your scores and improve your financial life much faster.

How does the program work?

The program guides you through a variety of proven strategies and tactics to address credit-related issues. It provides you with information and techniques to repair your credit, remove negative items, and put you on the fast-track to raising your scores to 750+ (to name a few).

Who is Credit Secrets for?

Credit Secrets is for any American who needs to improve their credit scores, gain control of their financial life, and secure a better future. Whether you’re struggling with low credit scores, dealing with debt, or seeking a way to enhance your financial well-being, the Credit Secrets program provides valuable insights and actionable strategies to help you overcome credit-related challenges.

Can the program help with different credit issues?

Advanced tactics for handling issues like student loans, foreclosures, repossessions, medical collections, and bankruptcies

How long will it take to see results?

The time it takes to see improvements in your credit scores can vary depending on individual circumstances. However, many of our members have gotten results within as little as a few weeks to a few months. Like Corina who saw her scores jump from 586 to 700 in just ONE week after removing 6 derogatory items from her credit report.

What's included in the program?

The program includes the Credit Secrets book and a comprehensive step-by-step video course that shows you how to use the information inside to boost your scores faster. Together, these resources provide you with in-depth knowledge, actionable steps, and guidance to improve your credit scores and take control of your financial future.

Can I access the program from anywhere?

Yes, you can access the video course from anywhere with an internet connection. This allows you to watch the videos and follow the steps at your convenience.

How can I get started?

To get started with Credit Secrets, simply click the link below and follow the steps on that page to get access to the program. The program will provide you with the knowledge and tools you need to begin your journey toward better credit and financial stability.

What if I have more questions?

If you have additional questions or need further assistance, please feel free to reach out to our customer support team at (877) 215-6015 or email support@creditsecret.org