Ovation Credit Services Review
There was a time when my credit score was at an all-time low. I was depressed.
I wasn’t able to land my dream job. I got declined to everything that I applied for. Needless to say, I felt helpless and frustrated.
That is until I got an idea to hire credit repair services in one of the articles I was reading online. It turned my life around, and that’s what started me on this journey of reviewing credit repair companies like Ovation Credit Services.
Things to Consider Before Signing Up for Ovation
Ovation Credit Services is a credit repair company that helps out in improving your credit score. Before we move on with this review, though, let me make one thing clear.
Credit repair companies are not out to scam you, nor are they magicians that can miraculously turn your credit score around overnight. Credit repair is a science that improves one’s credit scores with tried-and-tested strategies, focusing on removing erroneous items on your credit record.
Lending companies and credit bureaus are run by humans, after all, and humans make mistakes. Hence, there is a huge possibility that there are incorrect items on your records.
The problem is, searching for these items and working with lending companies to get them removed can take a lot of time and effort. That’s where credit services come in. They can work on these items for you.
Nonetheless, you can work on improving your credit scores on your own. However:
if you don’t have a lot to time to spend working on your documents and communicating with lending companies and credit bureaus,
if you don’t have the energy to spend on accomplishing paperwork,
or if you simply don’t have the patience to play what seemingly is an endless game of catch and throw with lending companies,
then, hiring a credit repair company like Ovation can help you out.
Remember, though that this is a paid service. So, if you think you can handle this all on your own, then, by all means, do so, and I wish you all the best!
Get To Know Ovation Credit Services
Let us now move on to getting to know the credit repair company that we will be reviewing today. Ovation can help you in three different ways.
- First is by identifying the errors in your report and correcting them.
- Second, by monitoring your credit report to track any changes and making sure that you’re not a victim of identity theft.
- Finally, by providing you access to their education center that contains various tools and resources to improve your financial literacy and ensure that you won’t fall into the same credit trap in the future.
This is similar to the services that other credit repair companies offer out there.
Ovation credit services are perfect for those who are searching for a credit repair service that can correct their financial record, protect them from identity theft and fraud, and those who want to learn how to make their financial future more stable.
Again, all of these services will take some time. If you’re looking for an overnight solution, then Ovation is not for you.
They work with two partners: TransUnion and LendingTree. These are two reputable financial companies that have been in the business for a long time already.
To learn more about this company, we listed the pros and cons of working with them.
Pros Of Ovation Credit
- They provide an easy-to-understand four-step credit repair process.
- They have a credit repair education center filled with instructional articles about financial literacy.
- They go beyond just credit repair. Aside from the education center, they also offer services that protect your information and monitor your credit report. Don’t worry since we are going to talk about their services in more detail later.
Cons Of Ovation Credit
- Not enough information about the company provided on their website
- You have to pay for their services. Their monthly fee ranges from $69 to $99, and that doesn’t count other add-on fees.
- They won’t be able to provide you with specific details on how long the process can take and how effective it can be in improving your credit score since each case is different every single time.
Anyway, here is a quick peek of their available membership packages: Ovation Credit Services
How Does Ovation Credit Services Work? (Features and Benefits)
Here are the features that you will get to enjoy if you do decide to sign up as a member:
Free Credit Consultation:
You will have a chance to talk to a credit analyst who will advise you on the best course to take and answer any query you might have, free of charge. This will also help you ultimately decide if the services of Ovation can really help you out.
You can sign up for your free consultation through their website by providing your name, email address, phone number and zip code. This requires no commitment at all, so I honestly recommend that you avail of this service if you’re interested.
Professional Credit Analyst:
Your account is going to be handled personally by a professional credit analyst. He or she will guide you throughout the entire process of working on your credit score and record disputes.
I really appreciate this feature since it allows me to work with just one person throughout and probably even build a professional relationship with him, unlike other credit repair companies that employ different people to work on your account.
Personalized Client Dashboard:
You will be able to keep track of everything that is happening in your account through your dashboard. This dashboard will contain all the information that you need including transaction history and account updates.
Their dashboard also has an online dispute manager option that will allow you to mark the reports you believe are inaccurate or erroneous. In this way, you will personally be able to choose the different dispute options available and work with each of the items with your professional credit analyst.
Unlimited Bureau Disputes:
There are some credit repair companies out there that stipulate a specific number of disputes that you can work on each month, but not Ovation. You can mark as many items as you want. In connection with this feature, they also offer unlimited challenge validation letters and unlimited creditor goodwill letters.
Financial Tools Included:
Aside from the online dashboard, you will also gain access to a variety of financial tools that they offer. These tools can help you with your budget management, debt payment, and more.
I personally like this to help me keep track of everything financially related all in one place. I find it hard to visualize and plan my financial goals if I write all of my information in different notebooks, journals, apps, spreadsheets, and more. At least, it’s good to know that an account with Ovation will serve as a catch-all for all my financial info.
- 24/7 TransUnion Credit Monitoring"It’s good to know that Ovation will update you every time changes occur on your credit report. This will also help determine if identity theft is being committed in an account since an unknown change will be seen and addressed immediately. It would have been nice, though, if they have mentioned the method on how you are going to receive these notifications. Are they going to email you? Send you alerts via SMS? Is there a way to customize how you receive your notifications?
- Fast-Track Same-Day Service: This feature is an add-on option that you can avail for a one-time fee of $25. By getting this feature, you can make sure that everything regarding your account will be expedited, especially the sending out of dispute letters. This add-on option is excellent for those who want to speed up the process.
- Identity Optimization: Here’s another add-on feature that you can avail for a one-time fee of $25. It will monitor all the personal information linked to your accounts closely to make sure that no identity theft or fraud is being committed under your name. Aside from that, they will also correct any information that you need to be updated such as your name, your previous addresses, your former employers, and the like.
- Risk-Free Cancellation: Finally, they have a refund policy that states if at any time, they failed to provide you of the services that you and Ovation have agreed upon, you are free to cancel your membership, and you will not pay any charges for that current month.
How Much Does Ovations Cost?
How much you end up paying for Lexington Law depends on the service tier you choose. They have three tiers of service, and each one charges a monthly fee. Here are the tiers. You can call 833-838-5600 to sign-up or get more info.
Starting 30 Days After the First Work Fee
What Do Past Clients Have to Say About Ovation Credit Services?
Here’s the deal: no matter how efficient a credit repair company is, they won’t be able to provide you with the exact details of the results you can expect. Each case is different, and so are the results.
Hence, we’ve decided to scour the internet, across multiple platforms in order to learn more about the performance of the company based on the testimonials of their past clients. And these are what we have found:
Source: Better Business Bureau
How Does Ovation Credit Compare to Other Credit Repair Companies?
I’m not here to convince you how awesome Ovation Credit Services is. I’m just here to give you an honest review of Ovation Credit Services. That’s why aside from Ovation, here are two other credit repair companies that you might want to check out as well.
Much like Ovation, Lexington Law is a credit repair company that seeks to correct inaccurate and questionable items on your credit report.
The one thing that really sets them apart from others, though, is that they’re a law firm as well. That means lawyers themselves are going to handle your account.
That said, they can help you take care of the legal area of your credit issues, such as sending out cease-and-desist letters to credit bureaus and lending companies that harass you with an endless barrage of debt collectors.
Sounds pretty neat, right?
Ovation Credit vs Lexington Law
Here’s a quick bullet point comparison between Ovation and Lexington:
Cost: Ovation: $69.00 to $99.00 per month; Lexington: $89.95 to $129.95 per month.
Hassle-Free Cancellation: Ovation: Yes; Lexington: Yes
Score Analysis and Tracker: Ovations: Yes; Lexington: Yes
Notifications: Ovation: Yes, but not specified; Lexington: Yes
Mobile App: Ovation: No; Lexington: Yes
To be honest, Ovation and CreditRepair.com have a lot in common.
For starters, both of them have an online educational portal that helps educate people on their finances. CreditRepair.com is in partnership with various financial institutions as well, LendingTree being one of them.
There are two main differences worth mentioning, though, and they are:
CreditRepair.com has an app that allows you to access all of your information via mobile, meaning CreditRepair.com sends out TransUnion credit report notifications via email and SMS.
The information regarding the notifications that they send out is more detailed.
Ovation Credit Services vs CreditRepair.com
As for the bulleted comparison:
Cost: Ovation: $69.00 to $99.00 per month; CreditRepair.com: $99.95 per month.
Hassle-Free Cancellation: Ovation: Yes; CreditRepair.com: Yes
Score Analysis and Tracker: Ovation: Yes; CreditRepair.com: Yes
Notifications: Ovation: Yes, but not specified; CreditRepair.com: Yes
Mobile App: Ovation: No; CreditRepair.com: Yes
Associates: Ovation: Professional Credit Analysts; CreditRepair.com: Financial Experts
Ovation Credit Reviews: Final Thoughts
We can stumble along the way in life, and that’s okay. We can take a wrong turn, make an uninformed decision—a lot of things can go wrong. But should our mistakes haunt us for the rest of our lives?
They shouldn’t, especially if there’s a way to liberate ourselves from them. I know how it feels having a denied loan or missing an opportunity that can mold how my future can look. HORRIBLE!
Well, guess what?
Lending companies and credit bureaus can commit mistakes, too. The downside is that their mistakes can make matters even worse for us. Fortunately, for those who have dug a hole of debt and have managed to injure their credit scores severely, there are credit repair companies that can help us out.
Credit repair companies like Ovation Credit Services can help erase and correct those mistakes, improve our credit scores, and hopefully patch things up that everything returns to normal and how our finances should be.
Aside from correcting those mistakes, their educational portal is also a great help in ensuring that we don’t stumble down that road again, and make more responsible financial decisions in the future.
I really enjoyed reviewing their website and services. This is also just one of the Ovation Credit Services reviews available. There are other Ovation Credit Repair Reviews out there that you can also use as a reference.