Ovation Credit Services vs Lexington Law

Jenna Vasquez
Jenna Vasquez | Contributor

Ovation Credit Services and Lexington Law both offer free credit consultations as well as helpful credit education resources on their main websites. Ovation Credit Services is not as well known as Lexington Law in the credit repair industry; however, Ovation Credit Services does bring a few noteworthy things to the table in regard to credit repair services. 

Both credit repair companies offer more than one credit repair service option. It’s important to note, however, that Lexington Law offers three credit repair service options whereas Ovation Credit offers only two options. 

Customer reviews is where Lexington Law shines. Between the two companies, Lexington Law has significantly more reviews on BestCompany.com than Ovation Credit Services. In fact, Lexington Law has the most reviews out of any other credit repair company listed on BestCompany.com. 

Keep reading to learn more about Ovation Credit Services and Lexington Law.

Ovation Credit Services logo
#175 Ovation Credit Services

Insufficient Reviews

3.0
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(5)
Lexington Law logo verified_user
#2 Lexington Law

check_circle Verified Partner

8.4 Overall Score
4.1
star star star star star_border
(3,532)

Overview

Ovation Credit Services

Upfront Cost

$89

Monthly Fee

$69

Money-Back Guarantee

N/A

Time in Business

Undisclosed

Lexington Law

99.95

99.95

Undisclosed

18 Years

Ratings

Ovation Credit Services

Overall Score
0.5 of 10
Review Score
3.0
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Value for Money
2.3
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Quality of Product or Service
2.3
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Company Trustworthiness
3.0
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Likely to Recommend
3.3 of 10

Lexington Law

8.4 of 10
4.1
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3.8
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3.9
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3.9
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7.1 of 10

Reviews

Ovation Credit Services

Number of Reviews
5
Review Breakdown
3.0
star star star star_border star_border
1 star
40%
2 star
0%
3 star
20%
4 star
0%
5 star
40%

Lexington Law

3,532
4.1
star star star star star_border
1 star
18%
2 star
3%
3 star
3%
4 star
9%
5 star
68%

Reviews for Ovation Credit Services

Helpful Favorable Review

star star star star_border star_border

Theresa Fusselman

October 1st, 2022

I would like them to make sure there customers have a account number, how to contact by phone,make sure that the customer understands how this company will be able to show what has been fixed on their credit report with a letter of account findings . I'm not happy with them as a company, they did get three items off my credit report. But I do not have proof or verification on paper of my account which I don't have anaccout numbers. T.Fusselman Cottage Grove Oregon

Helpful Critical Review

star star_border star_border star_border star_border

R Peace

May 22nd, 2019

DETAILS

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!

Reviews for Lexington Law

Helpful Favorable Review

star star star star star

Lisa Cowans

November 16th, 2022

DETAILS

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Review Source

Lexington Law is Awesome! The staff are professional and direct to the point. I love the willingness and communication to always go above & beyond to keep their clients up to date on the status of their case and progress.

Helpful Critical Review

star star star_border star_border star_border

Ashley Stoker

June 1st, 2022

DETAILS

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Review Source

I was referred to Lexington Law when trying to get ready to buy a house- I needed another 20 points. The customer service was good, but they disputed too many items at once, and subsequently my credit file with the bureaus was locked a month later and took a few months to get unlocked. I did not get a refund, but did cancel with them- I lost the house I had my eye on due the the credit files being inaccessible to my lender.

The Final Word

Ovation Credit Services and Lexington Law both provide admirable credit repair service options for people looking to improve their credit. 

Here is a closer look at what each company has to offer and how they compare with one another: 

Service Options (Winner: Lexington Law) 

In terms of credit repair service options, Ovation Credit Services offers the following two plan options: the Essentials Plan and the Essentials Plus Plan. The company’s Essentials Plan includes several personalized dispute options, guidance from a personal case adviser, and a variety of financial management tools that can help clients with budget and debt-related management. 

Ovation Credit Services’ Essentials Plus Plan involves everything that is offered with the Essentials Plan along with unlimited custom dispute letters, unlimited goodwill letters, TransUnion credit monitoring services, and a company recommendation letter. 

Lexington Law, on the other hand, offers three credit repair service options including the Concord Standard package, the Concord Premier package, and the PremierPlus package. Lexington Law’s Concord Standard option is the firm’s basic service level and involves bureau challenges and creditor interventions. The Concord Premier option includes everything from the standard option along with TransUnion alerts, ReportWatch, Score analysis, and InquiryAssist. 

The firm’s most advanced credit repair option, the PremierPlus package, includes everything offered in the Concord Premier packages as well as cease and desist letters, a FICO score tracker tool, identity theft protection services, and a variety of personal finance tools. 

While both companies offer impressive services, Lexington Law has more options you can choose from. 

Service Pricing (Winner: Ovation Credit Services)

When comparing the two companies, it’s apparent that Ovation Credit Services charges slightly less per month than Lexington Law. 

Although Ovation Credit does have a lower-priced service option than Lexington Law, Lexington Law does seem to have more to offer in terms of services than Ovation Credit in terms of credit repair service options and reputation. 

If you are interested in credit repair services but are on a tight budget, you may want to consider Ovation Credit Services since the company charges less per month for its services and has quite a bit to offer in terms of discounts. 

Customer Reviews (Winner: Lexington Law) 

When it comes to reviews on BestCompany.com, Ovation Credit Services has a long way to go. The company has only a handful of reviews while Lexington Law has over 3,000. 

Out of Lexington Law’s 3,000+ reviews, 76 percent have a four-star or five-star rating. After analyzing these reviews, we found that Lexington Law’s clients were most happy with the firm’s customer service. 

If you are looking for a company backed by verified customer reviews, Lexington Law is worth considering. 

Discounts (Winner: Ovation Credit Services)

While both companies offer generous discounts, Ovation Credit Services appears to offer more than Lexington Law. 

Ovation Credit Services provides a $50 competitive upgrade credit discount to consumers who switch to its services from another company. Additionally, Ovation Credit Services offers a $30 per individual and $50 per couple credit to clients who refer their friends. The company also  offers a 20 percent couples discount, a 10 percent military discount, and a 10 percent senior discount. 

Lexington Law offers a 50 percent off first work fee discount to active military members and veterans. The firm also gives a 50 percent discount to couples. 

If you are looking to transfer from a different credit repair company or if you have friends you could potentially give a referral to, Ovation Credit Services can help you save money on credit repair services. 

Ovation Credit Services vs. Lexington Law: Which is best? 

Both Ovation Credit Services and Lexington Law have quite a bit to offer when it comes to credit repair. Each company offers discounts and a few different service options that consumers can choose from. 

While Ovation Credit Services charges slightly less than Lexington Law on a monthly basis and offers more discount opportunities, Lexington Law is the recommended choice because of its number of positive customer reviews on BestCompany.com, its service options, and its overall credit repair industry reputation. 

That said, it’s important that you take the time to research both companies thoroughly to see which one is best suited for your specific financial/credit situation. 

Top Choice

Lexington Law Logo
Lexington Law

Frequently Asked Questions

How much does Lexington Law cost?

Lexington Law’s service levels start at $89.85 per month and go up to $129.95 per month. 

How much does Ovation Credit Services cost?

Ovation Credit Services’ plan options start at $79 per month and go up to $109 per month.

How many discounts does Lexington Law and Ovation Credit Services offer?

Lexington Law offers two discounts. The firm has an active military and veteran discount as well as a couples sign-on discount. Ovation Credit Services provides five discount opportunities. The company offers a military, senior, and couples discount as well as a referral and competitive upgrade discount. 

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