Manage Credit Glory

How to cancel credit glory and stop monthly charges in the philippines

What credit glory is and why you might need to cancel

Credit Glory is a United States-based credit repair subscription service that charges recurring fees to dispute negative items on your credit report and monitor your account progress. If you signed up, you are paying for a team to review your credit file, submit disputes, and provide ongoing support over several months, not a one-time cleanup service.

The service operates on a monthly subscription model, which means charges keep coming until you actively cancel. Many users in the Philippines find themselves continuing to pay long after deciding the service did not deliver the results they expected, or they simply cannot afford the monthly fees anymore. At Stopee, we understand how frustrating it feels to be trapped in a recurring charge cycle, especially when cancellation feels deliberately hidden.

Who uses credit glory and what they are paying for

Credit Glory customers are typically people working to repair damaged credit histories by disputing inaccurate or outdated negative items. You might have signed up hoping to improve your credit score, qualify for better loan rates, or clear errors from your report. The company promises a structured dispute process and monthly account reviews, which sounds valuable until you realize results take time or simply do not materialize.

What you are actually paying for is access to a support team, monthly monitoring, and dispute submission services. The company does not guarantee any specific outcome, which is an important legal distinction. If you have been charged but see no progress on your disputes, or if your financial situation has changed, cancelling Credit Glory is a completely valid decision.

How credit glory operates for customers in the philippines

Credit Glory's support operates Monday to Friday, 9 AM to 5 PM EST (Eastern Standard Time), and Saturday to Sunday, 10 AM to 6 PM EST. For customers in the Philippines, this timing creates a significant challenge because Philippine Standard Time is 13 hours ahead of EST. You may need to contact support late at night or very early in the morning to reach someone during their business hours.

The company charges approximately ₱5,100 to ₱6,000 per month (equivalent to USD 99.99 to USD 120), depending on your plan. Public pricing is not clearly displayed on their website, so charges may vary based on what you negotiated during your initial consultation. If you signed up through a promotional offer or consultation call, your actual monthly cost might differ from the standard rate.

Your consumer rights under philippine law

The Consumer Act of the Philippines (Republic Act No. 7394) protects your right to cancel subscriptions and receive refunds for services that do not deliver promised results. This law gives you significant leverage if Credit Glory refuses to cancel your account or continues billing you after you request cancellation.

What the consumer act of the philippines says about refunds and cancellation

Under Republic Act No. 7394, you have the right to cancel a service contract and request a full or partial refund if the service provider fails to deliver on its promises. If Credit Glory has not successfully disputed items on your credit report, or if the service quality falls short of what was promised during your consultation, you can use this law as grounds for a refund claim.

Additionally, the law requires that cancellation processes be transparent and easy to execute. If Credit Glory makes cancellation deliberately difficult or unclear, that itself may violate consumer protection standards. At Stopee, we have helped thousands of consumers invoke their consumer rights to escape unfair subscription traps, and you have the same protections available to you.

How to escalate if the company refuses to cancel

If Credit Glory ignores your cancellation request or continues charging you after you cancel, you can file a complaint with the National Trade Commission (NTC), which enforces consumer protection laws in the Philippines. The NTC has authority to investigate unfair trade practices and can compel the company to refund charges and stop billing.

Document every communication attempt. Screenshot your emails, save delivery confirmations, and note the dates you requested cancellation. If the company continues to charge your card or payment method after your cancellation request, dispute those charges through your bank, GCash, Maya, or card issuer immediately. Your bank can reverse fraudulent or unauthorized charges under payment protection rules.

Methods to cancel credit glory

Credit Glory does not offer a self-serve cancellation button or dashboard option; you must contact their support team directly to cancel your account.

Phone cancellation (fastest method)

Calling Credit Glory's support team is often the quickest way to cancel because you receive immediate confirmation and can ask clarifying questions in real time. The phone number is (844) 700-7067. Remember that support hours are Monday to Friday, 9 AM to 5 PM EST, and Saturday to Sunday, 10 AM to 6 PM EST, which means you will need to call late evening or early morning Philippine time.

Email cancellation (best for documentation)

Sending a cancellation request by email creates a written record of your request and the date you submitted it. This proof is invaluable if the company claims they never received your cancellation request or if they continue billing you afterward. Use the contact form at creditglory.com/contact or request the direct support email address during your initial consultation.

Mailing a cancellation letter (strongest legal option)

Sending a certified letter to the company's official address creates an indisputable record and shows the company you are serious. This method also protects you legally because the postal service provides proof of delivery. You can use the cancellation address provided later in this guide.

Step-by-step cancellation process

Follow these steps to cancel Credit Glory and ensure your cancellation is processed correctly and your billing stops immediately.

Prepare your account information before contacting support

1. Log into your Credit Glory account and take screenshots of your current membership status, billing plan, and next billing date
   • Save these images to your device or cloud storage
   • Note the exact amount you are being charged monthly
2. Find your latest invoice or billing confirmation email
   • Note the last 4 digits of the card or payment method on file
   • Record the email address used for signup and account access
3. Calculate how many days remain until your next billing date
   • Aim to cancel at least 5 days before the next charge to allow time for processing
   • If you are within 1 to 2 days of billing, ask for expedited cancellation in writing
4. Write down your phone number and the best time to reach you during Credit Glory's business hours
   • Convert Philippine time to EST to find the right calling window
   • Have your phone charged and ready to call during their operating hours

Contact credit glory and submit your cancellation request

1. Call (844) 700-7067 during business hours (Monday to Friday, 9 AM to 5 PM EST; Saturday to Sunday, 10 AM to 6 PM EST)
   • When the representative answers, clearly state: "I want to cancel my account effective immediately"
   • Do not be pressured into extended conversations about why you are leaving
   • Ask the representative to confirm the exact date your cancellation becomes effective
   • Request that they confirm your cancellation will stop all future charges
   • Ask for a confirmation email with the cancellation details
2. If you prefer email, send a cancellation request to their support address
   • Use a professional subject line: "Account Cancellation Request [Your Name]"
   • Include your full name, email address on file, phone number, and the last 4 digits of your card
   • Write clearly: "I request immediate cancellation of my Credit Glory account effective today"
   • Ask for a cancellation confirmation email with an effective cancellation date
3. If you choose to mail a letter, send it to the address in the final section of this guide
   • Use certified mail with delivery confirmation
   • Include the same information as your email request
   • Keep the postal receipt and delivery confirmation for your records

Verify that your cancellation has been processed

1. Wait 2 to 3 business days after your cancellation request for a confirmation email
   • If you do not receive confirmation within 5 business days, follow up immediately
   • Use Stopee's verification checklist below to confirm all cancellation details
2. Check your bank account, GCash, or Maya on your next scheduled billing date
   • If a charge appears after your cancellation request, contact your bank or payment provider immediately
   • Dispute the charge as unauthorized and reference your cancellation request date
3. Log into your Credit Glory account a few days after cancellation
   • Verify that your account shows "cancelled" or "inactive" status
   • Take a screenshot of your account page for your records
4. Save all cancellation confirmation emails and communications
   • Create a folder on your computer or cloud storage labeled "Credit Glory Cancellation"
   • Store screenshots, emails, and confirmation numbers in this folder

What to do immediately after cancellation

Cancellation does not end your relationship with Credit Glory until you confirm that billing has actually stopped. Many customers find themselves surprised by charges weeks later because they assumed cancellation was automatic.

Monitor your charges for the next 60 days

Check your bank account, GCash, or Maya balance every few days for the next two months. Warning: Some subscription services take multiple billing cycles to fully process a cancellation, especially if there are pending disputes or account credits. If you see a charge after your cancellation date, act immediately.

Dispute any charges that appear after cancellation

If Credit Glory charges your account after you cancelled, contact your bank or payment provider and dispute the charge as unauthorized. Provide them with your cancellation request date, confirmation email, and any supporting evidence. Most payment providers will reverse charges made after a documented cancellation request if you provide proof.

Follow up with stopee if billing continues

At Stopee, we track common patterns in company behaviour after cancellation requests. If you continue to be charged after requesting cancellation, visit stopee.com to file a detailed report. Your experience helps us build the consumer protection evidence needed to escalate complaints to the National Trade Commission and protect other Filipino customers.

Refund eligibility and recovery options

Whether you can recover fees depends on how long you have been charged, whether disputes were filed on your behalf, and what results you received.

When you can request a refund

You can request a partial or full refund if Credit Glory failed to deliver the promised service. This includes situations where the company did not file the promised number of disputes, did not provide agreed-upon monthly monitoring, or made no progress on your account over several months. Under the Consumer Act of the Philippines, you have grounds to request a refund for services that do not meet their promised standard.

Pro tip: Request a refund in writing and reference the specific promises made during your consultation. If you have documentation of what was promised versus what was delivered, include that evidence. Companies are more likely to refund or offer partial refunds when they see clear documentation of their failure to perform.

Months of charges you may be able to recover

Generally, you can request refunds for months during which the service failed to deliver results. If the company charged you ₱5,100 per month for six months with no visible progress, you can reasonably argue that you deserve a refund for at least part of that period. Document the dates of each charge and the progress made during that period.

Dispute charges through your payment method

If Credit Glory refuses to refund you, dispute the charges directly through your bank, GCash, or Maya. Most payment processors allow chargebacks for services not rendered or false advertising. You will need to provide evidence of your cancellation request and explanation of why you believe the charges were unjustified.

Common mistakes when cancelling credit glory

We understand that cancelling a subscription can feel stressful, especially when the company has your payment information and history of charges. Avoid these mistakes to protect yourself during the cancellation process.

Mistake one: assuming silence means cancellation

Do not assume that your cancellation request has been processed just because you submitted it. Credit Glory support sometimes acknowledges requests without confirming an effective cancellation date. Always ask for a specific date and written confirmation. Follow up if you do not receive a response within 5 business days.

Mistake two: cancelling without documentation

Phone calls are easy and fast, but they do not create a paper trail if the company later denies your request. At minimum, send a follow-up email after any phone cancellation that repeats the key details: your name, account email, phone number, and requested cancellation date. Request a confirmation email in response.

Mistake three: not monitoring your account after cancellation

Many people cancel and assume all charges will stop immediately. Then they are surprised by a charge 30 days later and do not act because they assume it is a processing delay. Check your account and payment method actively for at least 60 days after your cancellation request. If you see an unexpected charge, dispute it immediately rather than waiting.

Mistake four: ignoring the next billing date

If you cancel just after your billing date, you may have already been charged for the next month. That charge may not be refundable depending on the company's policy, so the best strategy is to cancel at least 3 to 5 days before your next billing date. This gives time for processing and prevents you from paying for service you no longer want.

Mistake five: not saving all communications

Screenshot your account status, save all emails, and keep delivery receipts if you mail a letter. If you later need to dispute charges or file a complaint with the National Trade Commission, these documents are your proof. At Stopee, we have helped thousands of consumers win refund disputes simply by providing clear documentation of their cancellation request and the company's failure to honour it.

Pricing and what you are actually paying

Understanding exactly what you are paying helps you calculate potential refunds and decide whether the cost justifies the service.

The company does not advertise pricing on its website, which means your actual charges may differ based on what was negotiated. Request an itemized invoice from your account if you want to verify the exact charges being applied.

Checklist: your step-by-step cancellation plan

Use this checklist to ensure you complete every step correctly and create a complete record of your cancellation.

• [ ] Screenshot your current Credit Glory account and membership status
• [ ] Note your next billing date and amount charged monthly
• [ ] Save your latest invoice or bank statement showing the charge
• [ ] Locate the email address used for signup and account access
• [ ] Record the last 4 digits of the payment method on file
• [ ] Convert Credit Glory's business hours (EST) to Philippine Standard Time
• [ ] Call (844) 700-7067 or send a cancellation email before your next billing date
• [ ] Write down the name of the support representative who handled your request
• [ ] Request a cancellation confirmation email with an effective date
• [ ] Save the confirmation email and any support reference numbers
• [ ] Wait 5 business days and follow up if you do not receive confirmation
• [ ] Monitor your bank account, GCash, or Maya for 60 days after cancellation
• [ ] Dispute any charges that appear after your cancellation date
• [ ] Create a folder and store all cancellation-related documents and screenshots
• [ ] Report your cancellation experience at stopee.com if you encounter billing issues

Why cancelling credit glory makes sense right now

If you are reading this guide, you are already questioning whether Credit Glory is worth the monthly cost. That instinct is correct. Here are the strongest reasons to cancel today.

The cost is too high for uncertain results

You are paying ₱5,100 to ₱6,500 every month for a service that provides no guaranteed outcome. The company explicitly states it does not guarantee credit score improvements or successful disputes. Over a year, that adds up to ₱61,200 to ₱78,000 spent on uncertain results. For most people, that money is better spent on other financial priorities or on disputing credit items yourself for free through the credit bureaus.

You have not seen progress in several months

If you have been charged for three months or more with no visible progress on your credit disputes, the service is not working for you. Credit repair takes time, but it should show some movement within the first two to three months. If your reports look the same as when you started, credit Glory is not delivering value.

Your financial situation has changed

If your income has decreased, you face unexpected expenses, or your priorities have shifted, keeping this subscription is a financial drain. Cancelling immediately stops the bleeding and frees up ₱5,100 to ₱6,500 per month for more urgent needs.

You can dispute items yourself for free

The credit bureaus (Equifax, Transunion, Experian) allow you to dispute inaccurate items for free. You do not need to pay Credit Glory to file disputes on your behalf. You can submit disputes yourself online or by mail, which takes more time but costs nothing. If you have time but limited money, self-disputing is a viable alternative.

Traps to watch for during cancellation

Credit Glory uses several tactics that make cancellation harder than it should be. Knowing these traps helps you avoid them.

Trap one: no visible cancellation button in your account

The company deliberately does not include a self-serve cancellation option in your account dashboard. This forces you to contact support by phone or email, which creates friction and gives support staff a chance to persuade you to stay. Do not fall for this. You have the legal right to cancel, and the lack of a button does not prevent you from doing so.

Trap two: support staff offering discounts or free months

When you call to cancel, the support representative may offer a discount, a free month, or reduced pricing to convince you to stay. These offers are designed to keep you in the billing cycle longer. Stick to your decision. If you have decided to cancel, a temporary discount does not address the underlying issue that the service is not delivering value.

Trap three: vague cancellation confirmation

Some support staff respond to cancellation requests with vague language like "we will look into that" or "your request has been noted" without confirming a specific cancellation date. This is intentional. Ask clearly: "What is the exact date my account will be cancelled?" Demand a specific date, not a vague promise.

Trap four: charges appearing after cancellation

Even after you cancel, some charges may appear on your next billing cycle. The company may claim this is a final charge or a processing delay. Do not accept this. Dispute any charge that appears after your documented cancellation request date.

Trap five: difficulty reaching support during philippine hours

Credit Glory's support hours (Monday to Friday, 9 AM to 5 PM EST; Saturday to Sunday, 10 AM to 6 PM EST) are inconvenient for Philippine customers. The company likely counts on this friction to discourage cancellations. Plan ahead and set a specific time to call, or use email for a permanent record instead of relying on phone support.

Should you cancel or keep your subscription?

Use this comparison to decide whether cancelling Credit Glory aligns with your financial goals.

Credit glory's cancellation address and contact information

Use this information to send a certified cancellation letter or to request cancellation by phone or email.

Mailing address for cancellation requests

Send your written cancellation request to the following address using certified mail with delivery confirmation:

Credit Glory
99 Wall Street
New York, NY 10005
United States

When you mail your cancellation letter, include your full name, email address on file, phone number, last 4 digits of your payment method, and a clear statement: "I request immediate cancellation of my Credit Glory account effective today. Please confirm this cancellation in writing and confirm that no further charges will be applied to my account."

Phone contact

Call (844) 700-7067 during business hours: Monday to Friday, 9 AM to 5 PM EST, or Saturday to Sunday, 10 AM to 6 PM EST. Convert these times to Philippine Standard Time (PST is 13 hours ahead) to find the right calling window.

Email contact

Visit creditglory.com/contact to access their contact form or request a direct support email address. Send your cancellation request with the subject line "Account Cancellation Request [Your Name]" and include all account details for verification.

Final thoughts: you have more power than you think

Cancelling a subscription can feel awkward or uncertain, especially when a company makes the process deliberately opaque. Remember that you have legal rights under the Consumer Act of the Philippines (Republic Act No. 7394) to cancel subscriptions and request refunds for services that do not deliver. Credit Glory cannot legally refuse your cancellation request or continue charging you after you cancel.

If the company resists or continues billing after you cancel, you have escalation options. The National Trade Commission investigates unfair trade practices and can compel refunds. Your bank, GCash, or Maya can reverse unauthorized charges. At Stopee, we have helped thousands of consumers cancel subscriptions, recover refunds, and protect themselves from billing traps. Your experience and documentation matter to us and to other consumers. Visit stopee.com today to report your cancellation, access additional resources, or request specific guidance for your situation. You deserve transparency, easy cancellation, and honest service. Do not settle for less.