Credit Glory Credit Repair Review 2022 – Investopedia
When you visit the site, Dotdash Meredith and its partners may store or retrieve information on your browser, mostly in the form of cookies. Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site.
We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info.
Credit Glory offers comprehensive service and friendly, informative credit analysts that take the time to truly help you understand the often-confusing process of credit repair. You'll need to be aware going in, however, that there are several additional fees you'll need to pay to get the most out of the service.
Many positive reviews
Offers $50 sign-up fee discount for spouses and military
Discount on third-party credit monitoring and identity theft protection
Lots of hidden fees
Relatively expensive to begin with
Customer service can be hard to get ahold of
Money-back guarantee comes with several conditions
Credit Glory is one of the newer companies in the credit repair world, and so far it's gaining good traction with customers nationwide who rank the customer service as excellent. It offers a comprehensive suite of services in one easy package, but it is on the expensive side compared with other credit repair companies. And you may end up paying even more after several additional fees are included for specialized work and ongoing credit services through a separate company.
To help you feel comfortable with spending the money, Credit Glory does offer a free consultation before you sign up, and it offers a 90-day money-back satisfaction guarantee. However, that guarantee doesn't come without strings attached—you'll only be able to request a refund if they were unable to remove anything from your reports, and you'll only be refunded the monthly fees, not the initial setup fee.
Credit Glory is one of the first companies many people come across when they're looking for help in polishing up their credit to buy a home or a car or to stop debt collection calls, for example. The company can certainly help with these goals by disputing items on your credit reports that shouldn't be there, but add-on services can be pricey.
The biggest thing that sets Credit Glory apart from other credit repair companies is its overall reputation. There are some people who are dissatisfied with the service, as is common in the credit repair world, but on the whole Credit Glory gets better customer service ratings than most. That can be especially important for a tricky topic like credit repair.
There are lots of options for credit repair companies that offer different services at varying price points. Scope out your options in advance to make sure you’re going with the right company.
Credit Glory offers a typical suite of services for a credit repair company, with a few nice extras thrown in. These are all priced together under one package, unlike some companies which charge more for more white-glove service. The company is typically able to start working on your credit reports within one day, which is great if you're looking to get started quickly.
Credit Glory offers a free consult before you sign up so you can get some idea of whether they'll be able to help you before you hand over your hard-earned cash. This is especially handy because if they're unable to help you, they'll generally say so. Judging by the generally positive reviews of the company's credit analysts, they're easy to work with.
The heart of credit repair companies is credit disputes. Credit Glory's credit analysts will go through each of your three credit reports with you one by one, line by line. They'll ask for details about each item to figure out whether it should be there or not. If not, then Credit Glory will reach out to the credit bureau and/or the creditor itself to state the facts in the case, request the removal of the item, and monitor your credit reports to make sure it's gone away.
A few things are important to note here. If you actually want to measure your progress and see your credit score go up, you'll need to pay an extra fee for an IdentityIQ subscription which is not included in the price. Credit Glory does get you a discount on this ($19.99/month, instead of the regular $29.99/month price) and it's not required for ongoing service, but the company strongly recommends it.
Instead of just going with Credit Glory’s recommendation, see our picks for the best credit monitoring services instead. You may be satisfied with a free tool.
In addition, there may be additional charges for certain credit disputes, like hard inquiry disputes. These fees can range into hundreds of dollars if you have a lot of disputes, and unless you pay these fees you won't be taking full advantage of the service. Credit Glory is not upfront in its advertising materials about these extra costs.
The hard work of getting debt collection calls to stop and inaccurate items removed from your credit reports generally requires a lot of correspondence. Credit Glory can help you send 10 different types of letters to help you in this quest, ranging from cease-and-desist letters to stop debt collectors from contacting you, dispute letters to the credit bureaus, and even letters offering lump-sum payments to creditors in an effort to get them to withdraw information from your credit reports. This is a more comprehensive list than most of its competitors offer.
Cease-and-desist letters can get creditors to stop harassing you, but they won't stop collection efforts entirely—they just silence them. You'll still need to find a way to deal with debt collectors before it escalates into something worse.
Credit Glory doesn't offer credit monitoring itself, but it can help you get it for a cheaper price through the IdentityIQ service. The company strongly recommends that you sign up for ongoing service at $19.99/month (in addition to Credit Glory's monthly fee that you're already paying), although it's not required. In order to get the most out of your service, however, it's a good idea to spring for some kind of credit monitoring, even if it’s through a different company. Otherwise, you won't have a way to verify that the service you're paying for is actually working.
Credit monitoring services are handy, but you can also monitor your credit for free, albeit with a few minutes worth of work each month.
If someone steals your identity, not only could it mess with your credit in a major way, but it could be costly for you too. If you opt to pay for ongoing credit monitoring through IdentityIQ, you’ll receive insurance to protect you against this threat, up to $1,000,000 in damages. Remember, though, that as soon as you opt out of paying for IdentityIQ you’re no longer covered by this insurance.
Credit Glory offers an online portal for you to work with your credit team, in addition to phone consults. Unfortunately, it does not offer any smartphone apps, so that's a potential downside if that's your preferred online route. It does not offer any formal debt management programs.
While Credit Glory's service is geared towards private individuals, it does also offer business credit repair services if you operate a business under your own Social Security number, as opposed to a more formal Employee Identification Number. This is generally applicable to sole proprietors, small entrepreneurs, side hustlers, and other smaller business structures.
Although Credit Glory's website advertises 24/7 live support, that's not the case. Its hours are actually weekdays from 9 a.m. to 8 p.m. EST, or 9 a.m. to 5 p.m. EST on weekends.
There is no live online support in the form of a chat box, which is always a nice touch when available. You can only reach the company by phone or email:
One of the standout features of Credit Glory compared with similar credit repair companies is its reviews on third-party websites like Trustpilot and Google. They're all generally positive, and even better, there are a lot of them, meaning Credit Glory consistently gets high scores. That's not the case on every single review site—it only gets mediocre scores on Yelp, for example, and only from a smaller number of reviews—but on the whole, they paint a picture of a company that's doing right by its customers.
You can cancel your service with Credit Glory at any time without any hassle, even after you immediately sign up. Of course, the company wants you to stick with them, but there are no cancellation fees for bailing if you're not happy.
Hiring Credit Glory to help clean up your credit will set you back a bit more compared with alternatives. To start, you’ll need to pay a one-time $100 fee to initiate service with the company. You’ll also need to pay a separate $1 fee for a seven-day trial of IdentityIQ, which the company partners with to pull your credit reports from each of the three credit bureaus.
After that, Credit Glory charges $99 per month. It also strongly suggests that you pay for ongoing IdentityIQ service at a reduced price of $19.99/month ($29.99/month normally), but this isn't required. This isn't included in Credit Glory's monthly fee, and unless you monitor your own credit reports independently, it's a good idea to pay for it. Without it, you won't have any way to make sure that Credit Glory is actually making any progress.
Finally, there’s an additional layer of fees for certain services. Notably, this includes any hard credit inquiry disputes you want Credit Glory to send out, at a staggering cost of $79 per dispute. If you have a lot of inaccurate hard credit inquiries on your reports that cost adds up fast.
Once you reach 10 hard credit inquiry disputes, however, the company instead shifts you over to a payment plan model where they’ll dispute all of them for a flat fee of $796, spread out in four monthly payments of $199. Again, this is in addition to the monthly Credit Glory service fee you’re already paying, and on top of the optional IdentityIQ monthly service fee. If you have any hard inquiries to dispute, we recommend going with a different service; take a look at our picks for the best credit repair companies.
Credit Glory isn't the only company offering credit repair services. There are many options to choose from, and it can be hard to know which one to select. Here are some tips to keep in mind as you shop around:
Credit Glory offers an overall good experience with a comprehensive suite of tools and many satisfied customers. However, it’s a more expensive service than usual, and even more concerning are the various fees that raise the cost of any meaningful credit repair work even higher. If good customer service is your top priority and money is of no concern, then it’d be an excellent choice. But if you’re on more of a budget, seek another option.
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:
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.