Ovation Credit Services Review for 2023

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(866) 639-3426


  • Free Credit Consultation
  • Special Fast Track Same-Day Service
  • Discounts for Couples, Family Members, Friends, Seniors & Military
  • Cost: $89.00 Setup – As Low as $79.00/mo.
  • No Contract – Cancel Anytime

Ovation Credit Services is a professional credit repair company owned by Lending Tree. They are not as popular as Lexington Law or Sky Blue and haven’t been around as long. However, in terms of affordability and experience, they are right up there with the top credit repair services.

So what can you expect?

Maybe you’ve been laid off from a job, or perhaps you were a victim of identity theft. The reason that you have poor credit doesn’t matter. They offer flexible options that suit your exact needs.

They package their credit repair services to address your specific concerns without charging you for unnecessary extras.

They offer a fast-track same-day service for an additional fee as well as identity optimization to assist you in protecting your personal information.

Bottom Line

Ovation Credit Services provides exceptional credit repair services at an affordable rate that almost anyone can fit into their budget.

We recommend calling to speak with one of their case managers before you sign up to find out just how much Ovation Credit can help you with your current situation.

Past Clients

“Amazing results! Tried doing this on my own for months, and got nowhere. Ovation Credit Services really gets the job done!” — R.T.

“Started out with nine collection accounts on my Experian credit report. Two months later only three left! I can’t believe how much improvement I’ve seen in such a short time. Thank you!” — J.M.

“I was skeptical when I first signed up, but the results speak for themselves. My credit scores have gone from low 500s to mid-700s and only three months! Can’t say enough great things about Ovation Credit!” — C.P.

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Frequently asked questions about Ovation Credit Services

How does Ovation Credit Services work?

Ovation’s programs are based on extensive research of consumer credit laws, credit bureau tactics, and persistence for their clients. To get started, sign up for a free consultation.

During that time, one of their credit professionals will help you choose which plan is best for you. Your two options are the ‘Essentials’ or ‘Essentials Plus’ plans.

During your credit consultation, you will need to provide them with your Experian credit report. They will provide you with your TransUnion, and Equifax credit reports. If you don’t have your Experian report, they can assist you in getting it.

After they have your credit reports, they will create your case file, and you can log in to your Online Dispute Manager with the provided login information. At this point, they will ask some questions about your particular situation. Then, Ovation Credit Services will put together a plan to dispute your credit items.

Once your plan is created, Ovation will address the items that need to be challenged, and you can sit back and wait for the results to come in. Then, they will update your case file and take further action if necessary to get the best possible results.

What is the difference between the two plans?

Your first option with Ovation Credit Services is the Essentials Plan. You can open up your Dispute Manager and select which items you’d like to dispute and why.

You’ll get a personal case advisor assigned to you who advises you on the best way to repair your credit history. You can even call or email them at any time with questions or concerns.

In addition, you can access your account through a secure website 24/7. There are also many great financial management tools for you to use online, including a debt management tool and a credit education center.

The Essentials Plus Plan adds a few extra services to everything you receive with the Essentials Plan. First, you get unlimited challenge validation as well as unlimited creditor goodwill letters.

You can also take advantage of an official Ovation Credit Services recommendation letter. Plus, you’ll receive ongoing TransUnion credit monitoring.

Depending on what type of items you have on your credit report, this could be a good option for you, especially if you’re also interested in credit monitoring services.

How long does it take them to repair my credit?

The goal with Ovation Credit Services is to repair your credit as fast as possible. However, how long it actually takes depends on how bad your credit is and how well the credit bureaus and your creditors cooperate.

Ovation Credit has an add-on option, which allows you to speed up the credit repair process with expedited dispute letters and creditor letters.

The website does say that customers see an average of 19 improvements each, so you can get an idea of what to expect when working with this credit repair company. Improvements include things like a deletion, fall-off, or a more positive status on an account. These types of improvements generally result in a higher credit score for you.

Do they offer a guarantee?

Ovation Credit Services offers a 100% service satisfaction guarantee. During any month, if they fail to provide the agreed-upon services as outlined in the service agreement, they will not bill you for that month or will refund your monthly fee.

However, they do not guarantee any specific results related to improving your actual credit score. Instead, they guarantee the steps they take in working towards that goal.

Which items can they remove from my credit report?

Ovation Credit Repair can remove all kinds of items from collections and charge-offs to bankruptcies and foreclosure. Any item that can be reported to the credit bureaus and placed on your credit report can also be removed. As mentioned, there are no guarantees that they will remove them; however, it is definitely possible.

You also get the freedom and flexibility to choose which items to focus on. Your personal case manager will give you advice, but you have the opportunity to explain why certain negative items are incorrect, misleading, or outdated. If you think they should remove it, they’ll give it a shot for you.

Can deleted items reappear on my credit report?

Occasionally, a negative item that has been deleted will reappear. Your creditors have 5 days after it’s been removed to re-report it. However, if they try to re-report the item after 5 days, it’s a violation of the FCRA.

Still, reputable credit repair companies typically use lasting techniques that get your negative items deleted from your credit report permanently.

If you have questions about their specific methods or the results of the credit repair service you receive, you can always reach out to your personal case manager.

Where are they located?

Ovation Credit Services is located in Jacksonville, Florida. However, as an online company, they are able to serve the entire United States. All services and communications are provided online or over the telephone. Therefore, there is no need to visit their offices in Florida.

Mailing Address:

Ovation Credit Services, Inc.
PO Box 56137
Jacksonville, FL 32241-6137

How much does it cost?

The first work fee is $89 no matter what plan you choose. After that, the monthly fees are $79 per month for the Essentials Plan or $109 per month for the Essentials Plus Plan. You can also purchase add-on items.

For example, you can get same-day processing for a one-time $25 fee. You can also get Identity Optimization for another one-time fee of $25.

Do they offer any discounts or special offers?

Yes, Ovation Credit Services offers discounts for family remembers, household members, and referrals. In addition, if you are currently working with another credit repair agency and would like to switch to Ovation, they’ll give you a $50 credit. There are also senior and military discounts available.

Another way to save is through referrals. Ovation will give you $30 off to tell a friend or $50 off to tell a couple. The credit will be issued to you once they’ve signed up.

Moreover, they offer a 20% discount if you sign up with another person as a “couples discount” regardless of whether you are married or an actual “couple.”

Ovation offers a discount to any two or more individuals who sign up together, regardless of where they reside or the nature of their relationship. So grab a friend and save some money while fixing your credit score.

How can I cancel with Ovation Credit Services?

It’s easy to cancel your Ovation credit repair services when you’ve reached your goals. To cancel, just give them a call, and they will turn off your service.

After that point, you won’t be charged any further payments. Hopefully, you can then begin enjoying your improved credit by getting better interest rates on your loans and credit cards.

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