It’s a reputable company with a history of verified success. They are official TransUnion partners. LendingTree handles part of the firm’s operations, including HR and recruitment.
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Looking for the latest Ovation credit repair review? We’ll tell you what to expect when working with this repair company, including:
The firm is all about custom and personalized help! They set up customers with their credit analysts. You get a sense that you’re working with a modern platform geared towards results.
As a LendingTree company, they have the backing of a strong brand trusted by millions. Here is the official Ovation Credit review 2021:
It’s an attorney-founded credit repair company with headquarters in Jacksonville, FL. It was Incorporated in 2004 with Terry Cordell as one of the founding members and subsequent president. Their primary objective is offering an affordable credit repair solution, and the company has since served tens of thousands of Americans.
In July 2018, LendingTree acquired the company — it’s a credit marketplace that helps customers find the cheapest loans by obtaining multiple quotes. LendingTree saw the move as an opportunity to assist customers struggling with securing financing.
Ovation was a decisive purchase. Their electronic disputing system was already integrated with credit bureaus. Their case advisors were offering credit improvement education, which was in line with LendingTree’s approach.
The service simply disputes negative items on behalf of its clients. The process entails submitting dispute letters to the CRBs. They revealed that 25% of all credit reports might have serious errors that may lead to credit denials. Ovation further reveals that 79% of reports have at least one inaccurate item.
Now, the first step is requesting a free consultation. Clients may call directly or request the evaluation on their website. During this stage, a live agent will call and review the client’s credit reports. They gauge if their services will be a fit based on the client’s financial situation.
After signing up, a Personal Case Advisor will offer additional guidance during the process of identifying errors. They also activate the online Dispute Manager for credit report monitoring and case tracking. Ovation offers personalized dispute options with a custom approach to each negative item. As add-ons, the firm provides same-day services and ID protection.
The company has a lot of advantages. It has a long track record in credit repair, having been founded by attorneys. Their packages are affordable, at $79 or $109 per month. There are plenty of discounts.
We also uncovered more pros of their service, including:
Most aspects of the service are positive. But we found some areas that need improvement, including:
There have been many positive Ovation credit repair reviews. But we also wanted to highlight some of their complaints.
On the Ovation Credit Services BBB page, the company has an A+ accreditation. They had 30 complaints closed in the last 12 months, with the most recent complaint on 07/28/2020.
The customer started on the service approximately two months ago but did not see any change. Ovation responded by offering a discount and expressed that credit repair is not an ultra-fast process. It could take up to 6 to 8 months, with some delays brought about by the COVID-19 crisis. The customer was satisfied with the response.
For a complete picture, check out Ovation Credit repair customer reviews on their Google My Business page. Ovation puts the link in their site’s footer section.
Ovation Credit Services offers two pricing packages. Essentials Plus goes for $109 per month. They bill it as their most popular package with the biggest punch. That’s because it includes:
The Essentials plan costs $79 per month and is less aggressive. It includes everything needed to dispute negative items in the credit report:
The plan will not include creditor interventions such as sending goodwill letters. They may not include TransUnion monitoring or unlimited challenges.
Ovation Credit services fees include an initial setup fee of $89. There are some add-ons customers can obtain, including:
The firm has well-priced packages but still offers attractive discounts.
Looking for alternatives to Ovation Credit repair? Learn how it stacks up against some of the best credit repair companies:
Sky Blue has the most robust money-back guarantee in the industry. Their single package at $79 includes customized disputes, Goodwill letters, and credit rebuilding help. Its services are also highly customized with personalized help from experts.
Ovation Credit may lack a clearly stated refund policy but boasts of more features. The firm provides unlimited disputes with the option for fast-track services and ID protection. Which company offers more savings? Sky Blue may be cheaper but not provide all the features of Ovation.
Ovation Credit | Sky Blue | |
Best for | Personalized dispute options | Money-back promise |
Credit repair experience | 17 yrs (2004) | 32 yrs (1989) |
Guarantee | No charge for mid-term cancellations | 90-day money-back |
Pricing range | $79 – $109 | $79 – one package |
Initial work fee | $89 | $79 |
Estimated 1st-month fees top plan | $198 | $158 |
Services | Unlimited challenges
Score analysis & monitoring Creditor interventions Credit rebuilding help TransUnion monitoring Ovation recommendation Case Advisor & Electronic Disputing system Personal finance tools |
Limited challenges
Score analysis & monitoring Creditor interventions Credit rebuilding help SOL research Debt validation |
Mobile Applications | Not Available | Not available |
Regarded as the market leader, Lexington Law doesn’t have a huge advantage against Ovation. Both firms have attorneys and paralegals working on behalf of clients. But in no way does a lawyer-led process guarantee more removals than a DIY approach or working with a company with credit experts. But there’s a point to be made that Ovation may be cheaper.
Ovation Credit | Lexington Law | |
Best for | Personalized dispute options | Lawyer-driven process |
Credit repair experience | 17 yrs (2004) | 17 yrs (2004) |
Guarantee | No charge for mid-term cancellations | Not offered |
Pricing range | $79 – $109 | $89.85 — $129.95 |
Initial work fee | $89 | $89 — $129 |
Estimated 1st-month fees top plan | $198 | $275 |
Services | Unlimited challenges
Score analysis & monitoring Creditor interventions Credit rebuilding help TransUnion monitoring Lender recommendations Case Advisor & Electronic Disputing system Personal finance tools |
Limited сhallenges
Score analysis Inquiry targeting TransUnion monitoring FICO analysis Creditor interventions Personal finance manager tools Identity protection & insurance Credit score coaching |
Mobile Applications | Not Available | iOS & Android |
Ovation stacks well against Credit Saint, another top repair firm. It has cheaper packages. The estimated first-month fee for the most expensive package is $198 compared to $315 charged by Credit Saint. They have more account features, including personal finance tools and recommendation letters. But Credit Saint has a clearly stated 90-day money-back guarantee.
Ovation Credit | Credit Saint | |
Best for | Personalized dispute options | Customized arguments |
Credit repair experience | 17 yrs (2004) | 17 yrs (2004) |
Guarantee | No charge for mid-term cancellations | 90-day money-back |
Pricing range | $79 – $109 | $79.99 — $119.99 |
Initial work fee | $89 | $99 — $195 |
Estimated 1st-month fees top plan | $198 | $315 |
Services | Unlimited challenges
Score analysis & monitoring Creditor interventions Credit rebuilding help TransUnion monitoring Lender recommendations Case Advisor & Electronic Disputing system Personal finance tools |
Unlimited challenges
Score analysis Experian monitoring Creditor interventions Inquiry targeting |
Mobile Applications | Not Available | Not available |
We conclude that it’s a legitimate company that deserves attention for its excellent credit repair services. They have two well-priced packages that are easy to understand. Ovation Credit prices are within market rates. Each free consultation entails a direct call from a credit professional. They continuously strive to improve the customer’s credit health beyond the scope of their service.
It’s a reputable company with a history of verified success. They are official TransUnion partners. LendingTree handles part of the firm’s operations, including HR and recruitment.
Their “No-risk Refund Policy” doesn’t promise refunds. They are clear about not charging monthly fees for canceling mid-month.
The policy also states that each case is different. In previous reviews and complaints, we found them issuing refunds for special circumstances.
There’s no defined timeline. The length of time it will take to remove negative items from the reports depends on:
Paying off debts may not result in the removal of negative items. But Ovation can help send goodwill letters or dispute items with the original creditor. You may also consider “Pay To Delete.” It entails asking the creditor for removal by paying the debt in full.
They can remove all negative items shown to be inaccurate, including charge-offs, late payments, or judgments.
The customer support team takes calls from Mondays to Friday, 8 a.m. – 9 p.m., and Saturdays, 10 a.m. – 4 p.m.