1. Ovation Credit Services

Ovation Credit Services has provided credit repair services since its founding in 2004.

The company's credit repair process includes a free credit consultation and two customizable credit repair program options along with several discount opportunities.

Ovation Credit also provides clients with a personal case advisor and online client portal as well as an online credit education center.

Ovation Credit does charge first work fees for all of its offered credit repair program options; however, the company’s monthly fee charges are relatively affordable compared to what other credit repair companies charge.

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The Good

  • Customizable Credit Repair Services
  • Helpful Online Credit Education
  • Straightforward Refund Policy
  • Multiple Discount Opportunities
  • Additional Services

Customizable Credit Repair Services

Ovation Credit offers two credit service plan options for varying client credit needs. These program options include the following:

  • Essentials — The Essentials program costs a first work fee of $89 and then costs $69 per month. According to the Ovation Credit website, the program includes help from a credit analyst, unlimited disputes for major credit bureaus, a personal case advisor, online dispute management, and multiple financial management tools.
  • Essentials Plus — The Essentials Plus program costs a first work fee of $89 and then costs $99 per month. The company’s website states that its Essentials Plus program includes everything from the Essentials program along with unlimited validation and goodwill letters, a recommendation letter, and 24/7 TransUnion credit monitoring services.

Potential clients can choose to add different services like identity optimization and fast track services to either program option.

The Essentials and Essentials Plus plans are fairly customizable depending on clients’ credit repair needs. Those interested in Ovation Credit’s services have the opportunity to obtain a free credit consultation.

Once clients sign up for the company's credit repair services, they will be given access to a personal case advisor who will provide one-on-one customer support. Clients can view credit repair updates and results 24/7 via a personal case management website.

Helpful Online Credit Education

Ovation Credit provides a helpful credit education center page on its website that clients are free to access at any time.

This credit education center covers topics relating to credit repair, debt, budgeting, collections, credit bureaus and laws, credit reports, credit scores, home buying, fraud and identity theft protection, insurance, and more.

Clients can use what they learn on the company’s credit education center page to improve their current financial situations and to avoid future credit score issues.

Straightforward Refund Policy

Ovation Credit does offer a simple refund policy.

As stated on its website, the Ovation Credit team will not charge monthly fees for any month that they “fail to provide the agreed upon services.”

Clients can extend or cancel the company’s credit repair services at any time throughout the service process at no additional cost. Unlike other repair companies in the industry, Ovation Credit does not provide a specific date range or deadline within its refund policy guidelines.

Multiple Discount Opportunities

Unlike many of its competitors, Ovation Credit provides several discount opportunities to potential clients. The discount opportunities include the following:

  • The Competitive Upgrade Discount — Includes a $50 credit to those who switch from using another company’s credit repair services (within the last six months) to using Ovation Credit’s services. Ovation Credit will put the $50 credit towards the client’s monthly credit repair payments.
  • Tell A Friend Discount — Ovation Credit will give clients $30 credit towards their monthly payment for every person they refer. Clients who refer couples will receive a $50 credit.
  • Pair-Up Discount — Clients who sign up with two or more people will each be able to obtain a 20 percent discount on the company’s credit repair services.
  • Military Discount — Retired or active duty military personnel will be able to obtain a 10 percent discount on their monthly payments after they sign up for Ovation Credit’s Services and pay the first work fee.
  • Senior Discount — Those who are 65 or older will have the opportunity to obtain a 10 percent discount on their monthly payments after they sign up and pay their first work fee. 

Clients should visit the Ovation Credit website and/or directly contact Ovation Credit to learn more about its offered discount opportunities.

Additional Services

In addition to Ovation Credit’s credit repair services and discounts, clients can choose to pay extra for identity theft optimization services and fast-track, same-day service.

The company’s identity optimization services cost a one-time fee of $25 and includes an identity analysis for each credit report as well as unlimited disputes for identity theft issues.

Ovation Credit’s fast-track services also cost an additional one-time fee of $25 and involves same-day service sign up and setup, expedited dispute letters, and expedited creditor letters for clients with the Essentials Plus plan.

The Bad

  • High Initial Fees
  • Limited Plan Options

High Initial Fees

Although Ovation Credit does charge reasonable monthly fees, clients are expected to pay fairly high first work fees, especially if they sign up for the fast-track add-on.

Many other companies that provide repair services either charge lower one-time fees or they don’t charge any one-time fees at all.

Limited Plan Options

Ovation Credit clients are able to somewhat customize their credit repair program; however, the company only offers two standard credit service programs to choose from.

Clients who need less or more credit repair work might not be able to find the right program for them due to the limited plan options Ovation Credit offers.

The Bottom Line

Ovation Credit offers a free consultation and two customizable credit repair programs for clients to choose from.

Additionally, the company provides add-ons that clients can choose to pay extra for including identity optimization services and fast-track same-day services.

Ovation Credit also has a straightforward refund policy and provides multiple discount opportunities.

Clients can view credit score results and progress online and they are given personal case advisors who provide one-on-one customer service and support. Ovation Credit also provides a helpful online credit education center that clients can use to improve their current financial situations and to avoid future credit problems.

Unfortunately, Ovation Credit charges fairly high first work fees compared to some other repair companies in the industry.

The repair services company also only offers two credit repair program options that clients can choose from. However, these options are fairly customizable to suit clients’ different credit repair situations.

Overall, Ovation Credit has a good amount to offer compared to some of its competitors.

If you are interested in Ovation Credit services, you should consider contacting the company for more information, signing up for a free consultation, and reading several updated customer reviews to learn more about how the company can repair your credit.

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User Reviews

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May 22nd, 2019 DETAILS arrow_drop_down
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Ovation credit services are the worst. If your lucky enough to have a decent score... their services will make it worse. I made the mistake of trying to save money and switched to them from Lexington Law. Worst mistake of my credit life. Avoid this company like you would the elboa virus!

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Richard

December 3rd, 2018 Ponte Vedra, FL

I am totally ecstatic over Ovation Credit Services. My Case Advisor is top notch and always brings her "A" game. After just a few short months multiple negatives we're removed from my credit reports. I watched my FICO score jump over 100 points. Everyone I speak with at Ovation is professional and empathetic. Thank you Ovation credit for a job well done!

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Jeff Zerin

June 15th, 2018 Largo, FL DETAILS arrow_drop_down
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I signed up for Ovation Credit 1 month ago. I had my doubts, but the performance of their company proved me wrong. They told me after 2 weeks, of working on my account, I would start seeing results. Well, they were right! In just 2 weeks, my credit score shot up 10 points! The following week, bam! It shot up another 16 points! I am so glad I chose this company......a life changer! I cant yo see where I'm at 2 months from and it is worth every penny! Jeff Z, Florida

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Alexander St John

January 7th, 2018 Albuquerque, NM DETAILS arrow_drop_down
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I only hear from Oasis is if they want something, they seem to have a cavalier attitude towards handling credit case's and thier results are very poor

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