Frequently Asked Questions

So, why Credit Glory?

We’ll give you three reasons:

1. Experience. We’ve been in the credit repair industry for over a decade. Before credit repair, we worked for one of the largest debt collection agencies in the nation, giving us very unique insight into the businesses we challenge on your behalf. No one can fight for you like us because no one understands the competition like we do.

2. We understand that happy customers leads to referrals; the better we do, the more customers we get, and the more our business grows. Most credit repair companies don’t understand this simple concept – they try to make a quick buck without much effort, leaving their clients with broken promises and poor results.

3. It may not seem like it, but credit repair is fulfilling work. The gratitude we receive on a daily basis from lives we’ve affected is a feeling that’s hard to get anywhere else. This is all to say, we understand our work is important–life changing for many of our clients–and we treat it with the appropriate level of respect and urgency it demands.

Is credit repair legal?

Yes. It is your right under the Fair Credit Reporting Act (FCRA) to dispute any inaccurate and not verifiable items on your credit report.

Is credit repair worth it?

Many people tend to think credit repair is irrelevant until they need it. But it is always better to start improving your credit now than waiting until you need to apply for a loan.

Having a subpar score will limit you from competitive interest rates on loans, which can add up to thousands of dollars over the course of the loan.

When you compare the price of credit repair to a higher interest rate on a 30-year mortgage loan, it is easy to understand why credit repair is worth it.

How long does it take before I see results?

Many of our clients see a boost of anywhere from 10 to 30 points in the first 35 days. Over the course of 180 days, many clients see increases of over 100 points.

However, that's not always the case. We'll be the first credit repair company to be completely honest with you: some clients don't see any results. That hurts to say! (We wish we could deliver perfect credit 100% of the time.) But it's the truth, and we'll always be honest with you. That's just good business. That said, if you don't get any results after 90 days of working with us, you may request a full refund. No questions asked.

If you're curious, there are credit repair companies out there who do get 100% results in lightning-fast times. It's true. You may have heard of one. They usually claim they have a "secret". The "secret" is that they're claiming identity theft on your legitimate accounts, using fraudulent police reports without your knowledge or authorization. Not something you want to be a part of (unless you are a victim of identity theft!)

Bottom line is this: we're good at what we do, and we abide by the law. If we can't help, no one can (legally), and we'll refund you! Simple.

What items can you help me remove?

We have a strong track record helping clients remove negative items that are inaccurate or have other errors, which has included bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, inquiries, credit card debt, late payments, old addresses, judgements, tax liens, student loans, and more.

Can you remove hard inquiries?

We have a strong track record helping clients remove hard inquiries that are unauthorized and/or unrecognized, suspected of identity theft, and did not result in credit or a bank account of any kind.

We cannot help in removal of hard inquiries that were authorized and are legitimate.

How much will it cost me?

View our pricing and signup online today to get started.

Does paying off my bills improve my score?

Yes and no. Paying your bills on time will improve your credit score in the long run, but it will not remove derogatory accounts such as collections, charge-offs, or other negative marks on your report.

What are Equifax, TransUnion, and Experian (the "Bureaus")?

The Bureaus are what we call Credit (or Consumer) Reporting Agencies.

They’re privately held companies (just like McDonalds or Walmart) that sell your personal and financial information in the form of “credit reports” to businesses who use that information to make an educated decision on whether or not to lend to you.

Due to shady practices by these companies in the past, and the ever-growing importance of credit in the lives of Americans, the government created laws to empower consumers to defend themselves by challenging the accuracy of this information.

Unfortunately, even with these laws in place, the processes to challenge these entities and the information they report about you can be complex and time-consuming.

What areas do you service?

We service clients nation-wide.

Can I meet you in person?

We've stopped providing in-person consultations as there is absolutely no benefit. We can do everything over the phone--and have for tens of thousands of clients nation-wide.

Do you charge any up-front fees?

The Credit Repair Organizations Act states that no credit repair company may charge before services are fully performed. We abide by this.

In our case, our services are fully performed each month when we analyze your report, create dispute letters challenging inaccuracies and erroneous information as governed by the FCRA, and mailing them. Only then do we charge.

Do I have to do any work?

We do absolutely all of the work for you. But we do require that you keep an active score tracker so we can get fresh credit reports. This isn't mandatory, but we're unable to provide updates without fresh credit reports.

How often is my credit score updated?

Your credit score is updated all the time- every time a balance changes or a new account is added (or removed), your score is changing. How often you can see your score updates depends. Some score trackers, such as CreditKarma, update once a week, while others update every 35 days.

Get Your Credit Repaired, Today!

Let us repair your credit before your next big purchase. If we can't remove any negative items within 90 days, we will give you a full refund, no questions asked.