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Frequently asked questions
Cancel Credit Glory: The Right Way
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 monthly fees to dispute negative items on your credit report and monitor your account progress. When you sign up, you pay for a dedicated team to review your credit file, submit disputes on your behalf, and provide ongoing support over several months, not a one-time service. The company operates on a subscription model, which means charges continue automatically until you actively cancel your account.
Many customers in the Philippines find themselves continuing to pay long after deciding the service did not deliver expected results, or they simply cannot afford the monthly cost anymore. At Yafee, we understand how frustrating it feels to be trapped in a recurring charge cycle, especially when cancellation processes feel deliberately obscured. Your decision to cancel is valid whether the service underperformed, produced no results, or your financial circumstances changed.
Who uses Credit Glory and what they are paying for
Credit Glory customers are typically individuals working to repair damaged credit histories by disputing inaccurate, outdated, or fraudulent negative items on their credit reports. You may have signed up hoping to improve your credit score, qualify for better loan rates, or clear errors from your report entirely. The company promises a structured dispute process with monthly account reviews, which sounds valuable until you realize results require significant time or do not materialize at all.
What you are actually paying for is access to a support team, monthly credit monitoring, and dispute submission services on your behalf. Credit Glory does not guarantee any specific outcome, which is an important legal distinction. If you have been charged repeatedly but see no progress on your disputes, or if your financial situation has changed, cancelling is entirely your right as a consumer.
How Credit Glory operates for customers in the philippines
Credit Glory's customer support operates Monday to Friday from 9 AM to 5 PM EST (Eastern Standard Time), and Saturday to Sunday from 10 AM to 6 PM EST. For customers in the Philippines, this timing creates a significant challenge because Philippine Standard Time runs 13 hours ahead of EST. You may need to contact support late at night or very early in the morning to reach a representative during their business hours, which can complicate your cancellation request.
The company charges approximately PHP 5,100 to PHP 6,000 per month, depending on your selected plan. Public pricing is not clearly displayed on their website, so your actual charges may vary based on negotiations during your initial consultation call. If you signed up through a promotional offer, your monthly cost might differ substantially from the standard advertised rate.
Your consumer rights under philippine law
The Consumer Act of the Philippines (Republic Act No. 7394) provides you with explicit legal protections regarding subscription cancellation, service refunds, and unfair billing practices.
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 stated 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 invoke this law as grounds for a refund claim and immediate cancellation.
Furthermore, the law requires that all cancellation processes be transparent, straightforward, and easy to execute. If Credit Glory makes cancellation deliberately difficult, unclear, or inaccessible, that conduct itself violates consumer protection standards. The law also prohibits automatic renewal without your explicit prior consent, and requires clear disclosure of all recurring charges before you agree to the subscription.
Your legal position
You hold a strong legal position under Philippine consumer law. If you have requested cancellation in writing and the company continues charging you, this constitutes a violation of Republic Act No. 7394. You may file a complaint with the Department of Trade and Industry (DTI) Consumer Protection Group, which has the authority to investigate unfair practices and order refunds. Yafee recommends documenting all your communications with Credit Glory, including cancellation requests, dates, and response times, as evidence for any formal complaint.
How to escalate if Credit Glory refuses to cancel
If Credit Glory ignores your cancellation request or continues billing after you request cancellation, escalate your complaint to the Department of Trade and Industry (DTI) Consumer Protection Group. The DTI has authority to investigate consumer protection violations and can compel the company to cease billing and issue refunds. You can file a complaint online at dti.gov.ph or visit your nearest DTI office in person.
Additionally, you may report Credit Glory to the National Privacy Commission (NPC) if the company continues processing your payment information after you request cancellation, as this may violate the Data Privacy Act of 2012 (Republic Act No. 10173). Keep copies of all communications and billing statements as supporting evidence.
Why you should cancel Credit Glory
Understanding your reasons for cancellation helps you frame your request effectively and strengthens your position if you need to escalate a dispute.
Common reasons customers cancel
Many customers cancel Credit Glory because the service failed to deliver promised dispute outcomes, months into their subscription with no visible progress on their credit reports. Others cancel because they cannot afford the monthly PHP 5,100 to PHP 6,000 charge, or they discover they can dispute items themselves for free through credit reporting agencies. Some customers cancel after realizing the company's promises were overstated or unclear during the sales consultation.
Financial hardship is a valid reason to cancel any subscription. If your personal or family circumstances changed, you are not obligated to continue paying for Credit Glory services. Yafee's approach is straightforward: you decide when a subscription no longer serves your needs, and the law supports your right to cancel without penalty or extended notice periods.
Methods to cancel Credit Glory
Credit Glory offers multiple cancellation channels, though the company may not make all of them equally obvious.
Cancellation methods available to you
| Cancellation method | Timeframe to cancellation | Best option |
|---|---|---|
| Email request to support | 5-7 business days | Recommended |
| Phone cancellation (EST business hours) | Same day if connected | Effective but difficult timing for PH |
| Live chat (if available on site) | 1-2 business days | Good alternative if email delays occur |
| Mailed cancellation letter | 10-14 business days | Useful for formal escalation |
Email remains your most reliable and documented method because it creates a written record that Yafee recommends you keep indefinitely. Phone cancellation is faster if you can align your schedule with EST business hours, but leaves no proof of your request. A mailed cancellation letter provides legal documentation if Credit Glory refuses to acknowledge your cancellation and continues charging.
Step-by-step guide to cancel Credit Glory
Follow these procedural steps in sequence to cancel your Credit Glory subscription effectively and create documented proof of your cancellation request.
Step 1: locate your account information and cancellation contact details
Log into your Credit Glory account and retrieve your account number and the email address associated with your subscription. Note the exact date you signed up and your current monthly charge amount. Write down the support email address and mailing address from their website or your welcome email.
- Log in to your Credit Glory account using your email and password
- Navigate to account settings and note your account number
- Record the email address you used to register
- Save the company's support email address and mailing address for reference
- Take a screenshot of your current monthly charge amount as evidence
Step 2: compose a cancellation email to Credit Glory
Write a clear, direct email that leaves no room for misinterpretation. Include your account number, the date you want cancellation to take effect, and a request for confirmation of cancellation within 48 hours.
- Address the email to [email protected] (or the official support email from their website)
- Include your full name, account number, and email address associated with the account
- State clearly: "I request immediate cancellation of my Credit Glory subscription effective today"
- Request written confirmation of cancellation within 48 hours
- Ask for confirmation that no further charges will be applied after today
- Sign the email with your full name and include the date
Step 3: send your cancellation request with documented proof
Send your email and take screenshots of the sent message showing the timestamp and recipient address. Use a method that provides a read receipt or delivery confirmation if your email client supports it.
- Send the email from the address registered with Credit Glory
- Enable read receipt or delivery confirmation in your email settings if available
- Take a screenshot of the sent email showing the timestamp, recipient, and subject line
- If you do not receive a read receipt within 24 hours, send a follow-up email reiterating your cancellation request
Step 4: follow up if you do not receive confirmation
If Credit Glory does not respond to your email within 48 hours, escalate through alternative channels. This demonstrates you attempted cancellation in good faith before filing a formal complaint.
- Call Credit Glory's support line at the EST business hours that align with your availability
- Explain that you submitted a cancellation email and request immediate confirmation
- Ask for the name of the representative and take detailed notes of the conversation
- Request that they send email confirmation of your cancellation within 24 hours
- If you cannot reach them by phone, proceed to Step 5
Step 5: send a mailed cancellation letter if email escalation fails
If Credit Glory ignores your email and phone attempts, send a formal cancellation letter by registered mail with return receipt. This creates legally binding proof that you attempted cancellation on a specific date.
- Type a formal cancellation letter on plain paper with your full details
- Include: your name, account number, email address, phone number, and account opening date
- State: "I formally request cancellation of my Credit Glory subscription effective immediately"
- Request written confirmation of cancellation and cessation of all charges
- Print and sign the letter, then make a photocopy for your records
- Send the original by registered mail to Credit Glory's corporate mailing address (see Contact Information section below)
- Keep the postal receipt showing registered delivery and return receipt as evidence
Step 6: monitor your billing for unauthorized charges
After you submit your cancellation request, monitor your bank and credit card statements carefully for any charges from Credit Glory in the following 30 days.
- Check your bank or credit card statement every 3-5 days for the next 30 days
- Document the date of any unauthorized charges after your cancellation request
- If charges continue, contact your bank or credit card company to dispute them as unauthorized
- Keep all billing statements and cancellation correspondence for your records
Refund eligibility and how to request one
Your right to a refund depends on whether Credit Glory delivered the promised services and the timing of your cancellation request.
What the company typically refunds
Credit Glory may refund your most recent monthly charge if you cancel within 14 days of the charge date, depending on their refund policy. However, their refund terms are not always transparent. If you were billed but received no service delivery or updates, you have grounds to request a refund under the Consumer Act of the Philippines.
Yafee recommends requesting a refund of your current month's charge and the previous month if you can demonstrate no progress on dispute submissions or account reviews. Frame your refund request in terms of non-delivery of promised services rather than simple buyer's remorse, as this invokes stronger consumer protection language.
How to request a refund
- Include a refund request in your cancellation email: "I also request a refund of my most recent charge on [date] due to lack of service delivery"
- Attach screenshots showing zero progress on disputes or lack of account reviews
- Cite the Consumer Act of the Philippines if the company delays or refuses the refund
- If Credit Glory refuses the refund, file a complaint with the DTI Consumer Protection Group
Pricing breakdown and what you are paying
Understanding your actual charges helps you calculate refund amounts and document billing disputes.
| Plan tier | Monthly charge (approximate) | Renewal date |
|---|---|---|
| Standard dispute plan | PHP 5,100 (USD 99.99) | Same day monthly |
| Premium plan with monitoring | PHP 6,000 (USD 120) | Same day monthly |
| Promotional introductory rate | Varies (PHP 2,500-3,500) | Increases after trial period |
Your actual charge amount depends on what plan you selected and whether any promotional discount applied. Yafee advises checking your first billing statement to confirm your exact monthly charge, as promotional rates often increase to standard rates after the introductory period expires.
What happens after you cancel
Cancellation is not instantaneous, and you should expect a brief transition period during which the company processes your request.
Timeline after cancellation
After you submit your cancellation request, Credit Glory typically stops charging within 24 to 48 hours. However, charges that process before your cancellation email reaches the billing department may still post to your account. You may be charged one final time even after requesting cancellation, depending on when your request was received relative to their billing cycle.
Monitor your account for 30 days after cancellation to ensure no additional charges appear. If you see a charge after your confirmed cancellation date, contact your bank or credit card company to dispute it as unauthorized.
What to expect regarding account access
After cancellation, Credit Glory will likely disable access to your account within 24 to 72 hours. You will no longer be able to log in and review disputes or monitoring reports. Download or screenshot any important account information before cancellation takes effect, as you will lose access to your dispute history and credit reports.
Documentation you should keep
- Your cancellation email and the company's confirmation reply
- Screenshots of all account statements showing charges
- A record of your cancellation request timestamp
- Bank or credit card statements for 30 days after cancellation to verify no further charges occurred
- Any correspondence with your bank or credit card company disputing unauthorized charges
- Copies of any DTI complaints or escalations filed
Common cancellation mistakes to avoid
You have the right to cancel smoothly, and avoiding these errors strengthens your position if Credit Glory disputes your cancellation or continues charging.
Mistake 1: assuming your cancellation is complete without confirmation
Many customers send a cancellation email and assume it is done, then discover charges continue weeks later. Always demand written confirmation of your cancellation, not just an acknowledgment of your request. Yafee emphasizes that silence is not confirmation: you need explicit written confirmation stating your account is cancelled and no future charges will apply.
Mistake 2: cancelling through account settings without notifying support
If Credit Glory offers an account cancellation button or toggle in your account settings, use it but also send a cancellation email immediately afterward. Account settings cancellations are sometimes overridden by billing system errors. A simultaneous email creates a documented backup if the account setting cancellation fails.
Mistake 3: failing to dispute unauthorized charges promptly
If Credit Glory charges you after cancellation confirmation, you must dispute the charge with your bank or credit card company within 60 days. Waiting longer weakens your dispute case. Contact your financial institution immediately upon discovering an unauthorized post-cancellation charge.
Mistake 4: not keeping copies of all correspondence
Delete nothing. Keep every email, screenshot, bank statement, and communication with Credit Glory or your financial institution. If you escalate to the DTI Consumer Protection Group, you will need this documentation as evidence of your cancellation attempt and the company's failure to honor it.
Mistake 5: offering partial payments or negotiating instead of cancelling
If you cannot afford Credit Glory, do not offer to reduce your subscription amount or switch to a cheaper plan. Cancellation is your right, not a privilege you negotiate for. Once you commit to paying even a reduced amount, you weaken your legal position if you later need to dispute charges or seek refunds.
Contact information and cancellation address
Use these official contact methods to submit your cancellation request to Credit Glory directly.
Email cancellation address
Send your cancellation email to: [email protected] (or the support email address listed in your account welcome email, as this may vary)
Mailed cancellation address
If you choose to send a formal cancellation letter by registered mail, address it to Credit Glory's corporate mailing address:
Credit Glory
Corporate Address: [Consult company correspondence for precise mailing address]
United States
Note: Credit Glory operates from the United States, so registered mail from the Philippines may take 2 to 3 weeks. Use this method only after email and phone escalation have failed.
Phone cancellation (for reference)
You may attempt cancellation by phone during EST business hours (Monday to Friday, 9 AM to 5 PM EST; Saturday to Sunday, 10 AM to 6 PM EST). However, phone cancellation is not recommended as your sole method because it creates no written record. Always follow up phone cancellation with an email confirming your request.
Escalation to the department of trade and industry
If Credit Glory refuses to cancel or continues charging after your confirmed cancellation, file a formal complaint with the DTI Consumer Protection Group.
You can file a complaint online at dti.gov.ph or visit your nearest DTI office in person. Include copies of all cancellation correspondence, billing statements, and proof of your cancellation attempts. The DTI has authority to investigate consumer protection violations and compel refunds.
Summary and your next step
Cancelling Credit Glory requires a clear, documented request sent through reliable channels. Your strongest position is a written email cancellation request with documented confirmation, followed by monitoring for unauthorized charges. If the company refuses or delays, escalate to the Department of Trade and Industry Consumer Protection Group with your evidence of cancellation attempts.
Start your cancellation today by composing an email to the support address with your account number and cancellation request. Save all correspondence and monitor your billing for 30 days afterward. At Yafee, we have guided thousands of consumers through subscription cancellation, and you have the legal backing of the Consumer Act of the Philippines on your side. Your right to cancel is protected by law, and persistent companies can be held accountable by the DTI.