Credit Glory is a credit repair company offering services to help remove inaccuracies or errors on your credit report. Founded in 2016, Credit Glory sells a monthly subscription service and provides customer service Monday through Friday, 9 a.m. to 8 p.m., ET.
Credit Glory receives mixed reviews online. While many customers have successfully repaired their credit using Credit Glory, others complain about additional costs and untimely refunds.
Many credit repair companies offer different services at varying price points. Research your options to make sure you're choosing the right company.
Pros Explained
- Positive reviews for customer service: Credit Glory's customer service representatives get high marks for providing friendly and helpful assistance to clients with poor credit.
- All Services are included in the monthly subscription: The monthly fee covers help to correct all credit report errors or inconsistencies.
Cons Explained
- Start-up Costs: Requires a $100 upfront setup fee in addition to the $99/month contract for a total of $199.
- Additional Costs: Credit Glory provides credit repair services, but additional fees for continued credit monitoring and hard inquiry credit reports are not included in their pricing.
Types of Services
Credit Glory offers a typical suite of services for a credit repair company, and all services are priced together under one package.
Professional Credit Analysis
Credit Glory offers an initial free consultation which gives you an idea of whether the company can help you update your credit report. Positive reviews for customer service confirm the staff offers knowledgeable advice before you commit to the monthly contract.
Credit Disputes
The main goal of credit repair companies is to resolve credit disputes. Credit Glory will decipher your three credit reports and reach out to the credit bureau or creditors to explain issues and request the removal of errors.There may be additional charges, not listed in Credit Glory's advertising or its website but mentioned in customer reviews, for certain credit disputes like hard inquiries.
Letters to Creditors and Credit Bureaus
Getting debt collection calls to stop and inaccurate items removed from your credit reports requires a lot of correspondence. Credit Glory can help you send ten different types of letters to stop debt collectors from contacting you, including dispute letters to the credit bureaus and letters offering payments to creditors to withdraw information from your credit reports.
Cease-and-desist letters can get creditors to stop harassing you, but they won't stop collection efforts entirely.
Credit Monitoring
Aside from your monthly contract with Credit Glory, it may be necessary to independently measure your progress and see your credit score change by using IdentityIQ. A subscription to this service is not included in Credit Glory's pricing but is strongly recommended.Subscriptions with credit monitoring through IdentityIQ range from $19.99 to $29.99 per month. The highest tier of service with IdentityIQ includes identity theft insurance.
Identity IQ is not your only choice. See our picks for the best credit monitoring services.
Company Features
Credit Glory's service is geared toward individuals and offers an online portal and telephone consultation. It does not provide formal debt management programs.
Credit Glory offers to repair your credit by fixing inaccuracies associated with:
- Collections
- Names
- Charge-offs
- Addresses
- Balances
- Bankruptcies
- Late Payments
Customer Service
Credit Glory's website advertises live phone support, Monday through Friday, 9 a.m. to 8 p.m., ET. There is no live online support via chat box, but you can reach the company by phone or email:
- Email: [email protected]
- Phone: (855) 938-3044
Company Reputation
Credit Glory has a majority of good reviews highlighting its customer service and knowledgeable associates on third-party websites. However, customers have voiced concerns about the company's refund and pricing policies. Additionally, Credit Glory is not accredited by the Better Business Bureau.
Contract Duration
The monthly subscription service can be canceled at any time for free.
Cost
Credit Glory charges $99 per month plus an initial setup fee of $100, for a total of $199 to get started.
How to Choose a Credit Repair Company
- Setup and ongoing fees: Credit repair companies typically charge first work fees and ongoing monthly fees that commonly range from $69 to $119 per month.
- Customer support: Some companies are available 24/7, while others offer limited hours or telephone support.
- Commitment: It may take only a few months to repair your credit, so be aware of the contract length.
- Refund policies: Most credit repair companies offer service guarantees, but the refund terms may vary based on the number of services the company provided before your cancellation.
- What's included: All credit repair companies offer credit repair, but some charge fees for monitoring or hard inquiry disputes.
- Customer reviews: Find reviews on independent websites and consumer watchdog groups to see what people are saying about the services they've received.
Alternative Choices
| Credit Glory | The Credit Pros | Credilife | |
|---|---|---|---|
| Services Offered | Credit and hard inquiry disputes, Credit monitoring and Identity theft insurance for a fee | Credit disputes, Credit monitoring, Identity theft insurance | Credit and hard inquiry disputes, Credit monitoring Identity theft insurance for a fee |
| Max. Number of Monthly Disputes | Unlimited | Unlimited | Unlimited |
| Letters to Creditors/Bureaus | Section 604 Dispute Letter; Pay For Delete Letter; Paid In Full Letter; Judgement Proof Letter; Goodwill Letter; Cease-and-Desist Letter | Dispute letter; Others not disclosed | Debt Validation Dispute Letter; Letter for Anything Derogatory; Goodwill Removal Request; Cease-and-Desist Letter |
| First Work Fee | $199 Setup | $119 | $21.99 |
| Monthly Fee | $99 | $69to $149 | $135 |
| Customer Service Platforms | Email, phone | Email, phone, iOS, and Android app | Email, phone, online form |
Final Verdict
Credit Glory offers a comprehensive suite of tools, but added fees may raise the cost of your credit repair. The company has live telephone customer support and an initial free consultation. Credit Glory receives positive reviews for client assistance and knowledgeable staff, but some customers have been unhappy with the timeliness of refunds and pricing policies.
Methodology
Our team evaluated 17 credit repair companies and collected over 600 data points before selecting our top choices. We weighed 39 criteria, giving the highest weights to those that are the most significant for customers. The top picks were selected based on:
- Costs and fees (weighted 40.5% in total)
- Services offered (34%)
- Customer experience (22.5%)
- Stability (3%)
We took into account factors like how many disputes will be sent per month, what kinds of dispute letters will be sent, cancellation and return policies, and how long companies have been in business. This information was used in our company's star ratings and best picks.
