Credit Glory Review – Pros And Cons Of This Service

Having good credit has a bigger impact on your life than getting lower interest rates on your loans. For many employment opportunities, employers will check your credit before making a hiring decision.

Apartment rentals and even wireless phone carriers may look at it too. So when you’ve made some mistakes in the past that have lowered your credit, it can feel like an uphill battle.

For those who are not sure how to go about fixing your credit, a credit repair company like Credit Saint might seem like a good option. Credit repair companies have gotten a bad rap in the past, so you want to make sure you’re working with one you can trust.

In this Credit Glory review, we’ll tell you everything that you should know about this company so you can decide if it’s the right partner for you.

What is Credit Glory?

Credit Glory is a credit repair company that helps people rebuild their credit. Its services primarily look at your credit report and challenge or negotiate negative items to help improve your credit score.

credit glory

The company is based out of New York City and works with customers across the United States. It’s new to the credit repair industry and was established in 2016.

What is a Credit Repair Company?

Credit repair companies review their client’s credit reports from the three credit bureaus to remove or correct incorrect information that’s affecting their credit. That’s the main method that which this type of business makes money.

People will work with a credit repair business to help them gain financial freedom through improved credit.

Credit scores have a major impact on your ability to get approved for loans like a mortgage.

If you do get approved for a loan, your interest rate will likely be higher when you have poor credit. The services that credit repair companies provide are typically those that a person can do on their own.

However, some people prefer reaching out to credit experts that can handle the work for them and have more knowledge on the topic. Each company has its pricing structure and services offered.

The credit repair industry has gotten a poor reputation in the past due to some bad players. A legitimate credit report company will not:

  • Ask for up-front payment – This is illegal
  • Makes a lot of promises about how they can improve your credit – If it sounds too good to be true, it probably is
  • Provide misinformation or hold back on telling you certain things – For example, the company should tell you how you can cancel their contract with them within three business days
  • Ask that you misrepresent information – If the company asks you to misreport your information, it is a huge red flag
  • Be dodgy about answering questions – If the company doesn’t answer questions about its pricing or services, it could be a sign that the company’s not legitimate.

Credit repair is a legitimate service, but it’s important to find a trustworthy partner due to the scams. Check out the Better Business Bureau for information about a company you’re considering.

How does Credit Glory Work?

Credit Glory helps customers improve their credit scores by identifying errors on their credit reports from the three major credit bureaus. Inaccuracies may include items like:

  • Charge-offs
  • Inquiries
  • Collections
  • Bankruptcies
  • Names
  • Addresses
  • Balances
  • Late Payments

Credit Glory reaches out to the credit bureaus and handles disputing these items on your behalf. The company will send a letter for each negative item found on your credit report that’s inaccurate.

how does credit glory work

To get started with Credit Glory, you would follow this three-step process:

  1. Talk to one of their credit experts – Their consultants will talk with you about your financial goals and match you with the right services.
  2. Agree to sign up – If you and your consultant have found a good match, you can sign up for service with Credit Glory. They will need some information from you and your credit report from each of the bureaus.
  3. Credit repair services begin – Credit Glory reviews your credit report and handles the job from there, including all the paperwork and document processing.

Credit Report

A credit report is a statement that contains information about your current credit situation, credit history, and the status of your credit accounts. You have three credit reports.

Each report is from the credit reporting companies. Experian, Equifax, and TransUnion are most often referred to as credit bureaus.

Lenders, credit card companies, and other financial companies will submit financial information to the credit bureaus. This financial data is collected and stored by the three credit bureaus.

Creditors do not have to report financial data to all of the credit bureaus. That’s why your report may look different depending on the bureau.

Credit Glory Pricing

Credit Glory has a straightforward and transparent pricing model. Its main credit repair plan consists of the following:

  • $99 a month service charge
  • One-time $100 review of your account and setup fee after your dispute letters are sent
credit glory cost

There appears to be other pricing structures that Credit Glory offers as part of its services. The credit repair plan mentioned above is its most popular option.

If you have different needs, you can contact them to find out more about other credit repair services for your unique needs. The other two products are for those that are victims of identity theft.

This side of the business will remove ten or more hard inquiries for a one-time fee of $799. You can also pay $79 for each inquiry if you only have a few hard inquiries to remove.

Both of these products also come with a money-back guarantee.

Credit Glory Features

15-minute Phone Consultation

Potential clients who want to understand if its services are a good fit for their unique situation can contact its sales reps team for a free consultation.

There’s no obligation or commitment required when you call. If you’re still not sure if their service will work for you, they offer a free trial.

90-Day Money Back Guarantee

Clients who sign up with Credit Glory have a 90-day money-back guarantee period. If they aren’t able to remove any inaccurate, negative items found on your report, you get a full refund.

Keep in mind that this money-back guarantee is on its monthly service charge. The $100 it costs for your credit review and setup fee are non-refundable.

Customer Service

The customer service line to Credit Glory is 833-461-0151. Its website has click-to-call functionality, so you can speak to a representative about its services.

credit glory customer service representative

You must talk to a credit specialist to sign up with Credit Glory. During your free consultation, they will ask you about your financial goals and match you with the right plan.

Customer service hours are Monday-Friday from 9 a.m. – 8 p.m. On Saturdays and Sundays, you can reach them from 9 a.m. to 5 p.m. The website doesn’t specify the time zones.


There’s a resources section on Credit Glory’s website that education and guidance on a variety of topics. Topics include:

  • Collections
  • Credit Cards
  • Credit Scores
  • Loans
  • Letters
  • Inquires
  • Medical Bills
  • Student Loans
  • General Education

Much of the content feels more like a sales pitch than actual information. There are specific topics like “Why did my credit score drop 7 points” and “Apple financing credit score” that are generic and not useful.

Credit Glory Competitors

Most credit repair companies are honest, legitimate businesses. Because a few bad characters have scammed clients out of money in the past, the industry is viewed negatively.

There are legitimate companies like Credit Glory out there, though. These companies have solid reviews and work toward the best interests of their customers.

How does Credit Glory compare to these alternatives? Read below to learn about a couple of the other companies out there and how they differ from Credit Glory repair services.

Lexington Law

The team at Lexington Law consists of lawyers that are experts at fixing credit. You can sign up online or give them a call if you have questions about its service.

competitors of credit glory lexington law

Its service also has an app version that’s available for Android and iOS users. The support team is available via online chat, phone, or email at all hours of the day.

Currently, Lexington Law is offering a free credit assessment. This package of financial products includes your free credit score, credit report summary, and credit repair recommendation.

Lexington Law offers three service level plans:

Concord Standard

This service plan is the lowest tier plan that Lexington Law offers. It includes bureau challenges/disputes and creditor interventions. You’ll be paying $99.95 per month for these services.

Concord Premier

Lexington Law’s mid-tier plan includes bureau challenges, creditor interventions, inquiry assistance, score analysis, report watch, and TransUnion alerts. The service costs $119.95 per month.

Premier Plus

If you need an aggressive level of service, Lexington Law’s Premier Plus plan might be the one to do the job. It includes bureau challenges, creditor interventions, inquiry assist, score analysis, report watch, TransUnion alerts, cease & desist letters, your FICO Score Tracker, identity protection, and personal finance tools. You’ll be paying $139.95 per month.

Structured similarly to Lexington Law is The company has been around since 1997 and claims to have removed over 8.2 million negative items since 2012.

competitors of credit glory focuses on educating its customers. The idea behind that is that it gives its customers the best chance at maintaining good credit for the long run.

Its easy-to-use website includes a credit score tracker for customers. Its mobile back is available for iOS and Android devices, so you can easily keep track of your progress.

You can sign up online or give them a phone call using its direct line at 1-844-984-4014. is currently offering a free online credit evaluation. The services included are a free credit score, a negative item summary, and recommended credit solution.

There are three price plans available with


Its lowest level plan includes up to 15 negative items challenged per month, 3 creditor disputes per month, credit report change alerts, anytime access to customer support, and no long-term commitments.

You also receive an updated FICO credit score every quarter. The Direct plan is available every month for $69.99.

Standard’s mid-tier plan includes up to 15 negative items challenged per month, 3 creditor disputes per month, credit report change alerts, anytime access to customer support, no long-term commitment, and a quarterly FICO credit score.

The Standard plan also tacks on a few things, including quarterly credit score analysis, 24/7 credit monitoring and alerts, and the ability to challenge hard inquiries. The monthly charge for this plan is $99.95.


The highest tier plan at includes up to 19 negative items challenged per month, 6 creditor disputes per month, credit report change alerts, anytime access to customer support, no long-term commitments, a monthly FICO credit score, monthly credit score analysis, 24/7 credit monitoring and alerts, and the ability to challenge hard inquires.

For the extra money, you’ll also receive identity theft protection, $1 million in identity theft insurance, and personal finance tools.

Credit Saint

One final option worth mentioning in the credit repair industry is Credit Saint. Founded in 2004 and accredited in 2007, Credit Saint has since maintained an A rating with the Better Business Bureau.

Credit Saint Review

Credit Saint is similar to in that it aims to educate users on credit and how to maintain a healthy credit score.

It includes options to polish, remodel, or create a clean slate for your credit repair. These plans include different features such as challenging credit bureaus, credit score analysis, interventions, score tracking, inquiry targeting, and more.

To sign up for Credit Saint, you’ll speak with one of their advisors through a free consultation. In this call, you’ll go through your credit history, and the advisor will let you know whether or not you are a candidate for their services. If you are accepted, from there, you’ll pick a plan and start working with Credit Saint to repair your credit.

There are three plans available with Credit Saint.

Credit Polish

This is Credit Saint’s lowest-tier plan. They say this plan uses a “medium” level of aggressiveness with the plan, including challenges to three credit bureaus, score analysis, creditor interventions, and score tracking. You’ll get to challenge up to 5 inaccurate reporting items per dispute cycle with this plan.

This plan costs $79.99 per month with an initial work fee of $99.

Credit Removal

This is Credit Saint’s mid-level plan. This plan includes everything from the Credit Polish plan with some additions. In all, the Credit Removal plan includes challenges to three credit bureaus, score analysis, creditor interventions, score tracking, inquiry targeting, and Experian monitoring. This plan also includes the ability to challenge up to 10 inaccurate reporting terms per dispute cycle.

The Credit Removal plan is priced at $99.99 per month with an initial work fee of $99.

Clean Slate

Clean Slate is Credit Saint’s highest, most aggressive plan. With this plan, you’ll get everything included in the lower-level plans and more. Clean Slate includes unlimited challenges to three major credit bureaus, score analysis, creditor interventions, score tracking, inquiry targeting, Experian Monitoring, and you can challenge unlimited inaccurate reporting items per dispute cycle.

Clean Slate costs $119.99 per month and has an initial work fee of $195.

Credit Glory Pros and Cons

Pro: Solid Customer Service

Despite the business only being around for a short time, it’s known for its great service and happy customers. Their customer service team does a great job of providing its customers with the support they need and simplifying the process. You can see it in their customer reviews and its A+ Better Business Bureau rating.

credit glory good credit

Pro: Simple, easy-to-understand plans

Among being the best-priced companies, Credit Glory offers straightforward and transparent plans. You’ll know exactly what you have to pay and what you get for your hard-earned money.

Pro: Money-Back Guarantee if not satisfied

You’ve got a full 90 days to try out Credit Glory. If you’re not happy with what you’re getting, simply cancel your service.

It’s a no-hassle process, and you get your money back, less the one-time setup fee of $100.

Pro: No Obligations or Contracts

In addition to its money-back guarantee, Credit Glory doesn’t make you sign a contract of any sort. So if you find yourself six months into using them and are content with your credit improvement, you can cancel. There is no commitment to bind you to its credit repair services.

Pro: Solid BBB Rating and Reviews

Credit Glory repair services have an A+ rating with the Better Business Bureau. That’s something unique to this industry. The business also gets solid reviews from its current and former customers.

Pro: Helps you understand what to dispute

Not everything is an item that you can dispute on your credit. For example, if you have a debt that went to collections because you didn’t pay it, it’s unlikely that you can get it removed.

A credit repair business could increase its sales by doing all the work and not educating you on how to prevent future mistakes. The bright side is that companies like Credit Glory will help you figure out what items you can dispute.

credit glory fixing inaccuracies

Con: Consumer Education is Lacking

The learning resources on its website initially look extensive when you see how many articles they have. However, the content is pretty generic and used as a way to promote its business.

If you want to learn about improving your credit or real debt strategies, it’s not the best company to find educational information like that.

Con: Free Consultations are a Sales Tactic

Offering a consultation is traditionally a way for a business to improve its chances of a customer signing up for its service. Credit Glory credit repair makes it a point to get potential customers to receive one.

Con: No Studies on how its Business has helped others

Credit Glory Credit repair doesn’t offer any case studies or other relevant information on the results that people can expect. Consumers should have a basic understanding of the possible results they may have before they pay the business.

Con: Doesn’t offer Credit Monitoring

Credit Glory doesn’t have any services that allow you to monitor your credit. This is a service that is offered by many competitors, but is lacking with this business.

Con: Need to Pull your Report

For a business that offers so much support, it’s surprising that customers need to provide a copy of their reports.

Con: Limited Service Offerings

Credit Glory technically only offers two viable plans to help improve your credit. The first plan runs monthly, and the other is a pay-per deletion model. It lacks additional services that would probably work better for those who need something in between.

Bottom Line: Credit Glory Review

Credit Glory is a reputable and reliable solution to your low credit. It will work fast to remove inaccurate negative items from your report with straightforward pricing. For those that have less advanced credit issues and don’t require additional services, Credit Glory is a solid choice.

Overall Rating: 3.88 out of 5

Anjana Paul

Anjana Paul is a financial writer with extensive education and experience in the financial industry. She received a Marketing and Management degree from Kansas State University and a Masters in Business Administration (MBA) from Baker University. Anjana also holds a Business Analytics Certificate from the Wharton School. Throughout her career, Anjana has worked in multiple roles within the financial industry. She has worked in banking, finance, student loans, consumer credit cards, and tech. Anjana's experience and education allow her to bring a credible, well-informed perspective to the content she writes at Wealth Pursuits, where her primary areas of focus include investing, credit, and personal finance.