Ovation Credit Services vs Lexington Law

Alayna Okerlund
Alayna Okerlund | Senior Editor

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.

Lexington Law logo verified_user
#1 Lexington Law
8.8 Overall Score
4.0
star star star star star_border
(3,249)

Overview

Ovation Credit Services

Monthly Fee

$69

One-Time Fee

$89

Contract Length

No Contract

Time in Business

17 Years

Lexington Law

$89.95*

$89.95*

Cancel Anytime

17 Years

Ratings

Ovation Credit Services

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

Lexington Law

8.8 of 10
4.0
star star star star star_border
3.7
star star star star_half star_border
3.8
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3.8
star star star star star_border
6.8 of 10

Reviews

Ovation Credit Services

Number of Reviews
4
Review Breakdown
3.0
star star star star_border star_border
5 star
50%
4 star
0%
3 star
0%
2 star
0%
1 star
50%

Lexington Law

3,249
4.0
star star star star star_border
5 star
66%
4 star
10%
3 star
3%
2 star
3%
1 star
19%

Reviews for Ovation Credit Services

Helpful Favorable Review

star star star star star

Richard 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!

2 years ago

Helpful Critical Review

star star_border star_border star_border star_border

R Peace

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!

2 years ago

Reviews for Lexington Law

Helpful Favorable Review

star star star star star

Yael Lynchburg, VA

I like Lexington Law they do help you by fighting for you. I have been fighting to pay off a debt over a years ago before covid hit and still have items on my credit report as a negative. They helped me by fighting to get it removed! They give you your right credit scores and continue to champion for your financial health!

6 days ago

Helpful Critical Review

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Review Source

star star_border star_border star_border star_border

Donnalee Dexter Hartford, CT

Just on the take did nothing for real help all letter sent out on our behalf by Lexington law was returned to us no help was given extra money was taken and kept by Lexington law I have to straighten their over sights and got way more progress done on my own

1 month ago

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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