Ovation Credit Services Review: Price, Results, & What We Like

Written by Kim PinnelliUpdated: 14th Jan 2022
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From high-interest rates to a tough time to qualify for a loan, a bad credit score takes a toll on your everyday life.

Most credit reports contain a negative item or derogatory mark, and sadly, Americans do not realize this. While you can repair your credit yourself, this takes time and a keen eye for detail.

Fortunately, Ovation Credit Services is a credit repair company that can help you navigate the nuances of a bad credit score and can help set you straight.

But can you trust this company? Are they the best? These are all questions we will answer and more in our Ovation Credit Services Review.

What Is Ovation Credit Services? 

Founded in 1976, Ovation Credit Services is arguably the oldest credit repair firm in the United States. To date, they have helped thousands of Americans successfully repair their credit and improve their credit score.

Headquartered in Jacksonville, Florida, Ovation has grown into a vibrant brand that places a heavy emphasis on consumer education and consumer empowerment. While they do require a monthly fee (more on that later), Ovation Credit Services is not a faceless brand.

They value customer interaction and will arm you with the resources needed to take back your credit.

In 2018, LendingTree acquired Ovation Credit Services. For those that do not know, LendingTree is the nation’s largest online marketplace where consumers can compare mortgages, loans, credit cards, and more.

This strategic acquisition will allow Ovation Credit to double down on its mission to help consumers improve their overall credit and financial health.

Rest assured, Ovation Credit Services offers affordable tailored credit repair services, same-day availability, robust customer services, and personalized dispute options. They recognize each customer has a unique credit situation, which is why they offer customizable services to meet your needs.

This approach is the reason why they have corrected over 120,000 consumer credit profiles. And the number gets larger by the day.

How Does Ovation Credit Services Work?

As we alluded to earlier, Ovation Credit offers tailored solutions to your pressing credit problems.

Whether you want to remove a negative item, are on the market for credit monitoring, or want clear next steps on how to optimize your credit score, then Ovation Credit Services warrants some serious consideration.

Ovation Credit is straightforward and to the point. After you sign up, they will immediately assign you a personal case advisor who will pull your credit report from Experian, Equifax, and TransUnion.

This credit expert will sift through your credit report line-by-line and will identify derogatory marks ripe for removal.

Step #1: Free Complimentary Credit Consultation

To kick off repairing your credit, Ovation Credit Services will review your credit reports and financial background free of charge. During this consultation, they will identify which Ovation program is best for your needs.

However, you are in the driver’s seat. At the end of the consultation, you can decide to move forward, or you can continue to shop around and review other credit repair companies.

Step #2: Create an Action Plan to Optimize Credit

First things first, your dedicated case advisor will create an action plan that is tailored to your unique credit needs.

What we love about this action plan is the level of detail, transparency, and candid advice your case advisor provides. You will not find generic advice in this plan, but instead, clear next steps.

Repairing your credit takes time, and your case advisor knows this. Apart from the negative items they will remove, this plan will offer advice on what you can do in your everyday life to optimize your credit score.

Ultimately, this plan will set you down the right path towards achieving a coveted excellent credit score. Do you want to be a part of the 800+ club? Then implement the strategies they outline!

>> Related: Learn About the Best Credit Hacks

Step #3: Remove and Correct Inaccurate Information

While you diligently optimize your credit score, your case advisor will begin to remove inaccurate information from your credit report. This portion of the credit repair process is hands-off.

Ovation Credit will take matters into their own hands, and will consult with their legal team to file formal disputes, send goodwill letters, andrequest debt validation, with all three credit bureaus and your creditors.

Step #4. Real-Time Results

Throughout the process, your case advisor will update you with real-time results. As a customer, you get access to Ovation’s case management website.

From here, you can ask questions, speak to your case advisor, and view which items are in dispute.

All-in-all, real-time updates will keep you calm, informed, and motivated to keep optimizing your credit score. Remember, even a 10-point credit score increase can move mountains. It can make or break the difference between refinancing your mortgage and not.

Step #5. Credit Monitoring

Moreover, Ovation Credit Services will also provide you with 24/7 credit monitoring, so you can monitor credit score changes in real-time.

Credit monitoring allows you to take note of fraudulent activity or inaccurate reporting before it damages your life. Above all, credit monitoring helps you protect what matters most in your life – your identity.

In our day and age, identity theft is becoming prevalent. And let me be clear. Identity theft is a sure-shot way to destroy your credit score and will cause an absurd amount of headaches.

It is a hassle to deal with and recover from.

This plan can also be purchased on its own. You do not need to be an Ovation Credit repair customer to use this service, so that is something to consider.

What Will Ovation Credit Remove from A Credit Report?

Ovation Credit Services can only remove items that are duplicated, old, fraudulent, and inaccurate from your credit report. Here is a complete list of what they can (try) to remove:

With that said, if Ovation Credit has a legal basis to remove these items from your credit report they will. However, it is important to note that you can dispute an error on your credit report yourself.

How Much Does Ovation Credit Cost?

Ovation Credit Repair Services offers two straightforward plans: the Essentials Plan and the Essentials Plus Plan. Each plan is designed to help consumers repair their credit and take the right steps to turn a new leaf in their financial life.

Let’s dive into the details of each package.

Essentials Plan Overview

  • First Work Fee: $89
  • Monthly Fee: $79

Services Included

The Essentials Plan is Ovation Credit Services’ most basic credit repair plan. However, it provides the necessary features you need to restore your credit. This plan allows you to file disputes, challenge items, and Ovation Credit will assign you a personal advisor. This expert will guide you through the entire process.

Additionally, the Essentials Plan also gets you access to exclusive financial management tools. These tools were designed with the end-user in mind. They will help you make the most of your credit and become debt-free.

Essentials Plan Plus Overview

  • First Work Fee: $89
  • Monthly Fee: $109

Services Included

The Essentials Plan Plus is Ovation Credit’s most aggressive credit restoration plan. This popular plan takes a multi-tiered approach to repair your credit. With this plan, you get unlimited debt validation letters, unlimited goodwill letters, TransUnion Credit Monitoring, an “official Ovation recommendation letter,” and everything included in the Essentials Plan.

It packs a serious punch.

Does Ovation Credit Services Offer Any Discounts?

While Ovation is a bit more expensive than we would like to see, they offer discounts to those who qualify. Here is a list of the discounts they offer:

  • Military: 10%
  • Senior Citizens: 10%
  • Couples: 20%

Additionally, if you are switching from another credit repair company, Ovation will give you a $50 credit towards your plan. They also offer a $30 referral credit if you refer a friend or a $50 credit if you refer a couple.

How Long Does Ovation Credit Take to Repair Your Credit?

Both the Essentials Plan and Essentials Plan Plus offered by Ovation Credit Services kickstart the credit repair process. The team at Ovation Credit will file disputes the same day you sign-up.

This ensures they do not waste time and helps you out.

However, after they file a dispute, your creditor or the credit bureau has 30-days to provide substantial evidence to validate the derogatory mark. If they can’t, they must remove the negative item from your credit report.

Most customers see results within the first 30-60 days of service; however, results will vary. And by law, a credit repair company cannot promise you a “quick fix” or immediate results.

Remember, repairing your credit takes time. It is not an overnight fix. 

With that said, Ovation Credit Services is known to deliver and move fast. But again, everyone has different credit problems.

Ovation Credit Services Pros and Cons

Just to reiterate some of the points, we have made thus far. Let’s talk about the pros and cons of Ovation Credit Services.


  • Personal Case Advisor: This feature is rare in the credit repair industry. The fact Ovation gives you individual attention is worth the high Fee they charge. Your case advisor will dissect your credit problems and will put together a clear action plan.
  • Free Consultation: A representative from Ovation Credit will provide you with a free credit consultation. They will review your credit report and will point you towards the best plan to use.
  • LendingTree Stamp of Approval: The fact LendingTree acquired Ovation Credit says enough. LendingTree is a consumer-centric FinTech company that pairs consumers with the best loans.
  • Immediate Service: Ovation Credit Services does not waste time. They will begin repairing your credit on the same day.
  • Clean Website: The credit repair industry is struggling to adapt to the digital age. Most of their competitors have websites that are old, outdated, and hard to navigate.
  • RealTime Results: This is another standout feature. From Ovation’s case management website, you will receive real-time updates as they happen. This keeps you informed and up to date on the progress of repairing your credit.
  • Easy to Upgrade Plans: Sometimes, we choose the wrong plan. Mistakes happen, and Ovation Credit knows this. Customers can easily upgrade plans at any time. Just let your case advisor know.
  • Accreditation: Ovation Credit Services maintains a coveted A+ rating from the Better Business Bureau (BBB). This is no small feat.


  • Customer Support: Unfortunately, Ovation Credit does not offer 24/7 customer support like its main competitor Credit Saint.
  • Few Customer Reviews: Finding reviews from previous customers is hard, and there are not many. We like to see more than a hundred or so.
  • Phone Sign-Up Only: Customers can only sign up for Ovation by phone. This means you must call them. They do not allow customers to sign up online from their website.

How Does Ovation Credit Compare to Other Companies? 

While Ovation Credit is a strong candidate, you have options. Here is who we like more.

#1. Credit Saint vs. Ovation Credit

Credit Saint is a pioneer in the credit repair industry. They offer affordable rates and a 90-day money-back guarantee. Additionally, their customer service and results are second to none.

With low fees, great customer service, and proven results, Credit Saint gets our highest recommendation. Offering three packages (Clean Slate, Credit Remodel, & Credit Polish), Credit Saint will send unlimited challenges to all three credit bureaus.

Additionally, Credit Saint offers creditor interventions, Experian Credit Monitoring, credit score tracking, and inquiry targeting. So, if you are looking for a more personalized credit repair experience, then Credit Saint is worth considering. 

>> More: Credit Saint Review

#2. Sky Blue Credit vs. Ovation Credit

Right behind Credit Saint is Sky Blue Credit Repair. This firm offers fast results, superior customer service, and transparency. They will walk you through all aspects of the credit repair process.

With one straightforward payment, Sky Blue Credit offers consumers more credit repair capabilities, a better customer experience, and a greater chance of succeeding. 

>> More: Sky Blue Credit Repair Review

#3. Ovation Credit vs. Lexington Law

Lexington Law is the nation’s oldest credit repair company. They bring years of experience to the table and access to a standout team of lawyers. Offering three packages, Lexington Law will help you file disputes, escalate disputes, and will provide guidance on what steps you need to take to successfully build your credit.

>> More:Lexington Law Review

Ovation Credit Frequently Asked Questions

Is Ovation Credit Worth It? 

Depending on what you are looking for, Ovation Credit is worth it. However, they are not our top choice. For the same price, you can work with Credit Saint. They offer a better customer experience, a 90-day money-back guarantee, and more features. 

Moreover, Credit Saint also has better results from our experience. 

Is Ovation Credit Services Legit?

Yes, Ovation Credit Services is a legit credit repair company. They have been in business for years and are governed by the Credit Repair Organization Act (CROA). Ovation abides by all laws outlined in the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Report Act (FCRA).

Can Ovation Credit Remove Late Payments From Your Credit Report?

If the late payment was reported inaccurately, then Ovation Credit will assist you in removing the negative entry from your credit report. On your behalf, they will file a dispute with all three credit bureaus. 

Bottom Line: Ovation Credit Services Review

Ovation Credit Services is a great option for those who are willing to pay and are crunched for time. They will help you file disputes, remove negative items, draft letters, and more. Ovation continues to remain a fierce competitor in the credit repair industry.


To review Ovation Credit Services, we evaluated the company’s transparency, fees, features, industry reputation, customer experience, educational resources, security, and results. These metrics allowed us to accurately assess and rate the company. We used authoritative sources – such as TrustPilot, BBB, CFPB, & Google Verified Reviews – to assess the reputation of Ovation Credit Services. Read our editorial guidelines and credit repair rating methodology to understand the integrity, transparency, and honesty of our reviews. 

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Kim Pinnelli
Kim Pinnelli

Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelor’s Degree in Finance from the University of Illinois at Chicago. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions.