Alison Hilton's financial history isn't all that different from most people.When her employer began downsizing, things took a turn for the worse, and she was forced to miss a few payments on some of her credit cards. Before long, debt collectors were calling her at all hours. Some were even threatening to sue her."I had this great paying job, and life was good, then almost overnight everything changed", Alison explains.Before long, her credit score had tanked to 588. What's worse is, she quickly found out that even after paying off debt collectors the payments did not help her score. These negative items would stay on her credit report for 7 years.She felt helpless, as she and her husband Scott were forced to put their dreams of buying a new home on hold.Feeling like she had nowhere to turn, Alison signed up for a "credit repair" service. But as she and her husband soon found out, the service's claims of being able to "fix her credit" wound up being nothing more than empty promises.In her words: "The credit repair company would withdraw $99 from my bank account every month, but my credit score actually got worse!"Feeling frustrated, and defeated, the newly married couple were about to give up until a conversation with a friend named Jay, changed everything.He showed them a ‘shortcut' to improving their credit. A shortcut that he told them, is 100% legal, and works no matter how bad your credit is.Alison & Scott were skeptical, but they realized this was their last resort.A short time later Alison reported "I was able to raise my credit score from 588 all the way up to 781 in only 90 days!"And her husband Scott reported that his score went from a lowly 476 all the way up to 751 with just a bit more time than Allison."We feel so blessed to have been given this 2nd chance, and we will never make the same mistakes again. We don't have to screen our calls or read threatening letters in the mail anymore," says Alison.Learn more at www.creditsecrets.com.