Credit Glory Credit Repair Review

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 24/7 customer service.

Although the contract has a 90-day guarantee, Credit Glory receives mixed reviews. While many customers have successfully repaired their credit using Credit Glory, others complain about additional costs and untimely refunds.

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. 
• Money-back guarantee: The company offers a 90-day money-back guarantee for its services.
• 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 $299 upfront setup fee in addition to the $99/month contract. 
• Limited money-back guarantee: If you're unhappy with the service, you can request a refund within 90 days, but you won't get a refund if Credit Glory partially corrected your credit report. 
• 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. The company's comprehensive list is longer than what its competitors offer. 

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.

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
• Inquiries
• Balances
• Bankruptcies
• Late Payments

Customer Service

Credit Glory's website advertises 24/7 live support. There is no live online support via chat box, but you can reach the company by phone or email:

• Email: hello@creditglory.com
• 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 with an initial setup fee of $299. The company recommends the IdentityIQ service, which starts at $19.99/month for ongoing credit monitoring but is not required. 

Credit Glory may charge additional fees for hard credit inquiry disputes. Reviews of the company note the average cost is $79 per dispute.

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

Methodology

Investopedia compared more than 15 top debt relief companies to find the best in terms of stability (5%), reputation and customer satisfaction (10%), customer experience (7%), services (30%), and cost and fees (48%). We considered whether companies had a membership with the American Fair Credit Council, as well as how long they have been in business. We reviewed the types of services offered, like counseling, debt settlement, tax relief, and more. We also compared companies' money-back guarantees, upfront fees, fee percentage closed, and cancellation policies. For more about how we rate, review, and select the best debt relief companies, read our full methodology.