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As one of the companies included in our guide on the best credit repair services, Ovation Credit Repair is fairly affordable relative to the rest of the credit repair industry. Positively reviewed by customers, Ovation provides unlimited credit bureau disputes for both plans and several opportunities for discounts.
Ovation Credit Repair Review
Operating out of Florida since 2004, Ovation Credit Services, Inc. has packaged its services into two options:
The Essentials Plan is exactly what it sounds like, giving you expert-guided disputes with additional financial management tools. The Essentials Plus Plan adds to these features, providing letter templates for other credit-related scenarios for individuals with multiple errors with negative impacts on their credit reports. These services cost $79 and $109 monthly, respectively. Both also charge an $89 first work fee.
While this is a high cost, given you can dispute errors without the help of a third-party company, Ovation is one of the cheapest credit repair services on the market. Ovation also offers discounts for several groups of people, which you can find in our costs section.
Relative to the rest of the credit repair industry, Ovation is an appealing option, given its low cost and unlimited disputes. However, it's still important to recognize that there are free resources available online and free to consumers who wish to dispute credit report inaccuracies directly with the three major credit bureaus.
Ovation Credit Repair Plans
Ovation offers consumers a choice between two credit repair plans. The Essentials and the Essentials Plus plans cost $79 and $109, respectively, with an initial $89 first work fee applied to both plans. As their names suggest, Essentials Plus builds on a solid foundation that the Essentials plan establishes. Essentials Plus also offers the option to upgrade to the Fast Track Program for same-day credit dispute services.
| Essentials | Essentials Plus | |
Price | ||
Professional Credit Analysis | Included | Included |
Credit Disputes | Unlimited | Unlimited |
Credit Report Monitoring | n/a | TransUnion only |
Credit Letter Templates | n/a | Included |
Identity Theft Insurance | n/a | Included but limited |
Financial Management Tools | Included | Included |
Fast Track Program | n/a | Available for an additional $25 |
Ovation Credit Repair Features
Wondering what each of these services actually provides? Let's break down Ovation's features one by one:
Professional Credit Analysis
This service is the first step in the credit repair process. Working with a professional credit analyst to scour your credit report and highlight opportunities in need of attention is the best way to determine if Ovation is the right match for your needs.
Credit Disputes
The main feature of any credit repair service is to identify and dispute inaccuracies on your credit report — something Ovation offers in unlimited quantity for both plan tiers.
Credit Report Monitoring
This service monitors your credit report and notifies you of any changes. Credit monitoring can flag suspicious activity early, allowing you to mitigate any damages resulting from identity theft. Only available with the company's Essentials Plus plan, Ovation just monitors your TransUnion credit reports, leaving two of the three major credit bureaus, Equifax and Experian, unmonitored.
You'll be able to find more complete credit monitoring services elsewhere for cheaper. Here's our guide on the best credit monitoring services, some of which are free.
Credit Letter Templates
Essentials Plus subscribers can access customizable template letters, such as goodwill letters that ask creditors to remove negative information and cease-and-desist letters you can send to a debt collector so they'll stop contacting you.
Identity Theft Insurance
This Essentials Plus-exclusive feature offers limited coverage if your identity is stolen. Before signing up, be sure to determine how much coverage you qualify for, how long it will last, and if it will be adequate in the event of a data breach.
Financial Management Tools
Learning how to budget and limiting debt are essential components in repairing and rebuilding your credit. Ovation offers these tools via its Education Center, a one-stop, online shop for valuable information on financial topics from building credit to applying for loans and myriad others.
Fast Track Program
This add-on gives Essentials Plus members priority when disputing inaccuracies on their credit reports. It does not, however, promise faster-than-usual resolution.
Ovation Credit Repair Cost
Regardless of the plan you choose, Ovation charges an $89 first work fee and either $79 or $109 monthly, depending on the plan you use. Their Essentials Plus add-on, The Fast Track, is available for a one-time fee of $25.
In addition to its competitive rates, Ovation offers customers a handful of discounts, including:
The Competitive Upgrade — a one-time, $50 credit toward your monthly payments for switching to Ovation (valid only for consumers who have proof of working with another credit repair service within 12 months of enrolling).
Tell A Friend — current clients who refer their friends will receive the best thank you of all: a one-time $30 credit (for referring to an individual) and/or a one-time $50 credit (for referring to a couple).
Couples Discount — any pair of two people, regardless of relationship and residence, who embark upon credit repair together will receive a 20% discount.
Military Discount — any retired or active-duty military personnel will receive 10% off their monthly bill (once their first-work fee has been paid) upon providing documentation.
Senior Discount — any individuals 65 or older will receive 10% off their monthly bill once their first-work fee has been paid.
How to Sign Up For Ovation Credit Repair
Before signing on the dotted line (or sharing your personal information) with any credit repair service, contact each of the three major credit bureaus directly and request copies of your credit reports.
Remember, the first step in repairing your damaged credit is to identify any erroneous information that may have been reported — something a consumer can only tackle by reviewing their credit report. While inaccuracies can be removed by disputing items directly with the three credit bureaus, accurately reported delinquencies will linger for seven years (10 for most bankruptcies) from the date of reporting.
Don't forget: No credit repair service will be able to remove accurate information, regardless of how damaging it is.
Online disputes: | By mail: | Via phone: |
Equifax Information Services LLC PO Box 740256 Atlanta, Georgia 30348 | 866-349-5191 | |
Experian PO Box 4500 Allen, Texas 75013 | 888-397-3742 | |
TransUnion LLC Consumer Dispute Center PO Box 2000 Chester, Pennsylvania 19016 | 800-916-8800 |
If Ovation sounds appealing, sign up by calling 1-866-639-3426, Monday-Friday, from 8 a.m. - 7 p.m. ET, to speak with someone in English or Spanish. To take advantage of the company's free credit consultation, click here. Unfortunately, no chat feature is available on their website now.
How Ovation Credit Repair Compares to The Competition
Priced lower than many of its competitors, Ovation Credit Repair is one of the best credit repair companies available. It offers unlimited credit bureau disputes on its cheapest plan, something that many credit repair companies don't offer in their basic plans.
Ovation has gotten ample applause from customers — to the tune of tens of thousands of individuals seeking credit repair services over the past two decades. Ovation received an A+ from the Better Business Bureau with an average customer review rating of 3.47 stars out of five. On Trustpilot, Ovation has an average of 4.7 stars out of five, with 92% of reviews giving the company four or five stars.
It's important to recognize that credit repair services should be used as a means to an end, not an ongoing subscription you keep running in the background, like an identity theft or credit monitoring service.
Ovation Credit Repair Lawsuits
Credit repair companies are highly regulated, limited in when they can charge you money and what they say about their products in advertising. A long list of lawsuits against a credit repair company usually indicates it's closer to a scam than a legitimate business.
Fortunately, Ovation has no lawsuits related to the quality and legality of its credit repair operations. However, we found two lawsuits from 2018, one on telemarketing efforts and another related to labor.
In 2018, Wagner et al v. Ovation Credit Services alleged that the defendant willfully violated the Telephone Consumer Protection Act (TCPA) and, by extension, the plaintiffs' rights by contacting them via phone despite being enrolled in the national Do-Not-Call list.
Diggs v. Ovation Credit Services was brought forth in 2018 by an employee who alleged the defendants violated the Fair Labor Standards Act (FLSA) by failing to both compensate him for overtime hours and pay the required minimum wage in his role as credit analyst; five other employees ultimately opted into the litigation.
Ovation Credit Repair FAQs
What type of items does Ovation dispute?
The professionals at Ovation are poised to dispute — on a client's behalf — any information on their credit report deemed inaccurate, incomplete, misleading, or unverifiable. No credit repair service will be able to remove negative markers from an individual's credit report that are accurate, no matter how much they promise.
Does Ovation come with a money-back guarantee?
While Ovation Credit does not guarantee any specific result(s), the company stands behind its No-Risk Refund Policy: if at any time the customer feels Ovation has failed to provide the agreed-upon services, all monthly fees will be waived.
How do I contact Ovation customer support?
Existing clients can reach customer support by calling 1-866-639-3426 and selecting option two. If you prefer to communicate by email, contact the department of your choice directly using this contact information.