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?

94% of our clients see a boost of 10 points in the first 35 days. Over the course of 180 days, our clients expect to see a 103 point increase.

What items can you help me remove?

We have a very strong track record helping clients with removals of bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, student loans, and more.

How much will it cost me?

We only charge you for deletions. View our pricing page for a cost break-down.

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

What areas do you service?

We service customers nation-wide. For in-person consultations you may visit us at our offices in NYC, DC, Miami, Houston, and Philadelphia. That said, there is no advantage to in-person meetings versus over the phone; we have serviced thousands of clients in almost every state since 2001.

Can I meet you in person?

We provide in-person audits & consultations for new customers signing up and existing customers willing to visit us in these cities: New York City, Miami, DC, Philadelphia, Houston. In-person meetings are by appointment only and may have additional fees. Please call in for scheduling. Please keep in mind that there is no advantage to meeting us in-person (we have serviced thousands of customers from almost every state in the US over-the-phone) and this is offered purely as a courtesy.

Looking for where to go?

* NYC (212) 658-1116: 234 5th Ave #200, New York, NY 10001
* Philadelphia (215) 764-3885: 1701 Walnut St #701, Philadelphia, PA 19103
* Miami (305) 677-1413: 14 NE 1st Ave #1008, Miami, Florida 33132
* DC (202) 883-4458: 1325 G St NW #502, Washington, DC 20005
* Houston (713) 766-1595: 5850 San Felipe St #500, Houston, TX 77057

Do you charge any up-front fees?

We do not. You will only be charged for credit repair after work has been done.

Do I have to do any work?

No. We do absolutely all of the work for you.

All your questions answered?