Lexington Law Versus Ovation
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- The Good
- Multiple package options
- Credit repair lawyers on staff
- Credit monitoring and identity theft extras
- The Bad
- More expensive than other services
- Minimal guarantee
Lexington Law is one of the best credit repair companies. It offers all the bells and whistles you could need to go along with your credit repair, including credit report monitoring and identity theft protection services. Of course, just like with a Cadillac, those extras come at a price. If you are looking for the most comprehensive service and are willing to pay for it, Lexington Law is the right fit for you. Call (844) 531-3037 for a free consultation or get started here.
Other Credit Repair Reviews
- The Good
- Affordable pricing
- Many discounts
- Credit monitoring and identity theft extras
- The Bad
- High initial fee
- Few education options
If you are looking for the most affordable credit repair service that is still reputable, then check out Ovation Credit Repair. It offers the basics of credit repair without the extras you don’t need, as well as a slew of discounts and referral opportunities to save you money on your credit repair needs. It also offers an upgraded package that offers more of the bells and whistles that is less expensive than most of its competitors.
Other Credit Repair Reviews
- Price
- $89.95 per month for basic service
Since it offers more features than other credit repair services, Lexington Law also charges more. There is an initial fee of $99.95, plus $10 to pull your three bureau credit reports. After the initial fee, it is $89.95/month for the basic plan. If you want to upgrade to include more features, the Concord Plan is $109.95/month and the Concord Premium Plan is $129.95/month.
- Price
- $59 per month for basic service
Ovation has one of the most affordable credit repair services, at only $59 per month for their basic credit repair service. You do have to pay an $89 initial fee to get started, which isn’t as much as some credit repair services, but also not the cheapest initial fee. Ovation also offers an Essential Plus program for $89 per month that offers more bells and whistles than their basic program.
- Features
- Fixing credit report mistakes
- Negotiating with lenders
- Exploring legal loopholes
- Good-faith letters to lenders
- Personal paralegal to give advice, handle account
- Credit report monitoring
- Identity theft protection
Lexington Law’s basic plan offers basic features such as fixing mistakes on your credit report, sending good-faith letters to your lenders and looking for legal loopholes, as well as a paralegal that gives you other ways to raise your credit score and deals with your account. The Concord Plan offers extra investigation into legal loopholes, especially around whether the credit bureaus are following FTC regulations. The Concord Premium Plan offers all of that, plus identity theft protection and credit report monitoring.
- Fixing credit report mistakes
- Negotiating with lenders
- Exploring legal loopholes
- Good-faith letters to lenders
- Credit report monitoring
Ovation offers the same basic credit repair services that the top credit repair services offer, as well as a dedicated case advisor to help you determine what items to dispute on your credit report. If you upgrade to the Essential Plus program, you get unlimited validation letters, unlimited creditor goodwill requests and a letter of recommendation for future potential lenders. In addition, TransUnion credit monitoring is part of the package, so you are notified any time there is activity that could affect your score.
- Reputation
- A- from the Better Business Bureau
Lexington Law is one of the oldest and most trusted credit repair services, being in the credit repair business for more than 25 years, although it has had its share of complaints from customers during its long run. It has a solid “A-” score from the Better Business Bureau, which means those complaints have been few and far between.
- Reputation
- A+ from the Better Business Bureau
Ovation has been operating in the credit repair world since 2004, which gives them over a decade of experience with credit repair, although not as long as other credit repair companies. They also score an “A+” from the Better Business Bureau, which is very unusual for a credit repair company, but do have some negative comments against them.
- Guarantee
- You don’t pay until the work is completed
Lexington Law does offer a guarantee, although it’s not so much a guarantee as a legal obligation. The service does not require you to pay for services until they have finished the agreed upon work, which is a requirement enforced by the Credit Repair Organizations Act. Still, it is nice to know that the work is guaranteed.
- Guarantee
- You don’t pay until the work is completed
Ovation has a similar guarantee to other credit repair services that are Credit Repair Organizations Act compliant, which basically means that you don’t have to pay for services until Ovation completes the agreed upon work. However, there is no money back guarantee if you are not satisfied with the service.
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Lexington Law – What is It?
Lexington Law credit repair provides the ultimate service. Of course, the ultimate service comes with a price. Is it worth it? It can be. Lexington Law is a juggernaut in the credit repair world. It has many connections and is the only credit repair firm to actually employ credit repair lawyers that know the ins and outs of credit repair. It also offers a lot of extras that many credit repair services don’t. That alone can be incentive enough to pay the extra money if you are willing to do so.
How Does Lexington Law Credit Repair Work?
Lexington Law is very good at on-boarding new customers. It has sales representatives who will take you through the process on the phone to make sure you don’t get lost, although it’s pretty simple. You fill out an application, which a representative can help you with, that includes both personal and financial information about you. Lexington Law will then help you get your three bureau credit reports and go over them with you to determine the best items to focus on.
Lexington Law’s Credit Repair Levels
What happens next? Well, it depends on which package you choose to buy. Let’s start with the basic plan. Here, you are getting the nuts and bolts of credit repair. Lexington Law will take the items you agreed upon and either negotiate with your lenders, dispute the items, fix any errors or go after any legal loopholes it knows of to help get your negative items removed. This process is repeated every month until you are satisfied.
Concord Standard Package
If you go with the Concord package, you get a boost of legal help in disputing your negative items. Lexington Law will dig a little deeper to find additional loopholes and legal tools that can help get negative items removed from your credit report.
Concord Premium Package
If you choose the Concord Premium package, you get everything mentioned above and credit report monitoring, so you can track your progress, as well as identity theft protection that can monitor any signs that you may have been a victim of identity theft.
Premier Plus Package
If you chose the Premier Plus package, you will receive all the benefits of the Concord Standard and Premium packages, in addition, to cease and desist letters being sent to creditors, personal finance tools, and alerts on any changes to your FICO score.
For any of the packages, you get a dedicated paralegal who will not only keep track of your account but also give you advice on how to improve your credit score naturally and tips on how to keep it healthy in the future.
Is Lexington Law Credit Repair Legit?
This is probably one of the biggest questions when it comes to credit repair. There are a lot of credit repair scams out there, and even the most reputable services can be very sales driven, even if they stay within the legal guidelines.
The good news is there are legal guidelines that credit repair services must follow. According to the government’s Credit Repair Organization Act, there are rules that every credit repair agency has to follow in order to be legit. If your credit repair company doesn’t follow any of these rules, it may be a scam:
- Credit repair agencies cannot ask for payment up front without completing the work first. (This does not apply to initial payments to begin the work.)
- All contracts between you and the credit repair agency must be in writing. If anything is not in writing, don’t believe it.
- All credit repair agencies need to have an easy cancellation policy. Most legit credit repair agencies have month-to-month contracts because of this rule, so you can cancel any time.
Keep these rules in mind when choosing a credit repair service.
Lexington Law does adhere to all of these guidelines, which is a good start. It also has an A- rating from the Better Business Bureau, which is an excellent score for a credit repair service, and means they have few complaints again them as a business. It has also been around for more than 25 years, and in order to stick around in the credit repair world that long, you need to be doing things legitimately and also giving good results to your customers.
Common Lexington Law Credit Repair Reviews
Most Lexington Law reviews always place the service at the top of their list, mostly because it offers such a robust toolbox of credit repair options.
Although it is one of the most trusted credit repair services available, there are still negative Lexington Law reviews. Common customer complaints usually revolve around Lexington Law being too slow or not raising their score enough. Both complaints are usually more the fault of the way credit repair works than the actual credit repair service.
How Credit Disputes Work
First off, credit bureaus get upset when they are flooded with disputes that they have to verify. If credit repair companies send 20 disputes at one time, instead of just one or two, the credit bureaus can become overwhelmed, and this looks poorly not only on the credit repair site but also on you as a consumer. This is why most reputable credit repair sites try to dispute items one or two at a time. This process seems slow to the consumer, but it gives you more chance to have items removed and stay off your report.
Credit Score Increase Isn’t Guaranteed
Second, let’s be clear about this, there is no guarantee when it comes to credit repair. While you can get your money back if you aren’t satisfied in some cases, no reputable credit repair service will guarantee to raise your score because there is no sure-fire way to do that. Everyone’s credit history is different, and in some cases, there is just no quick solution to a bad credit score.
That being said, there are a couple of legitimate negative Lexington Law reviews. The company can be a little sales-driven, which turns some customers off. The key is knowing what you are looking for and making sure the company is providing that without trying to scam you.
Is Lexington Law Right For You?
There are a couple of questions you need to ask yourself before deciding if Lexington Law Credit Repair is right for you:
- How much money do I have to spend?
- Do I need extras like credit report monitoring or identity theft?
- Is personal attention more important to me than having a larger company handle my account?
- What am I hoping to get out of this service?
These will help you make a better decision when it comes to choosing the right credit repair company.
If you are willing to spend a little extra money to get quality service, then Lexington Law is a good choice for you. If you are on a budget and just need the basics of credit repair to help you raise your score, you could try a service like Sky Blue Credit Repair.
If things like credit report monitoring or identity theft are something you want included with your credit repair, pick Lexington Law. Adding these on to your credit repair service can often be cheaper than signing up with another credit monitoring or identity theft protection site.
Personal attention is not what Lexington Law is best known for, although you do get your own personal paralegal to help you with things, so that’s definitely a plus. There is the benefit in that it is a larger company, and therefore it has more resources to devote to each of its clients, which will hopefully mean better results.
Really, it comes down to what you are hoping to get out of the service. If you are looking to raise your credit score fast, Lexington Law’s methodical approach might be too slow for you. If you are looking to breathe life back into your credit score and make it healthy again, regardless of time constraints, then this service is a perfect fit.
Ovation is not the best and brightest of the credit repair world, but it does offer some interesting extras that set it apart from some of its competitors. First, it offers a wide range of discounts depending on your needs, including senior and military discounts, as well as discounts for couples. Also, you will get $50 off if you transfer to Ovation from a different credit repair agency. It also offers referral bonuses if you refer a friend or family member.
Ovation also has a couple extras that you don’t see at other credit repair agencies, like an online dispute manager, which allows you to track and change the dispute process at any time, or a certified recommendation letter to future lenders.
How Does Ovation Credit Repair Work?
Ovation works much like any other credit repair service. You go online, fill out an application (or have someone help you fill it out over the phone), submit it, and a personalized agent will contact you to go over your credit reports, which Ovation will pull for you.
If you signed up for the Essentials Plan, you will then begin the dispute process, which just means that Ovation will start to file dispute letters with the credit bureaus to hopefully remove some of the negative items from your credit report.
If you signed up for the Essentials Plus plan, the dispute process will start but Ovation will also file an unlimited amount of validation letters, which forces the credit bureaus to validate negative information on your credit report. It will also send goodwill letters to your lenders to ask them to remove some of the negative items out of goodwill. In addition, your credit report monitoring from TrasnUnion will start.
You can also sign up for a few extras that will cost you a little extra money. Ovation offers a Fast Track service that will get you set up and start the process within one business day. It will also expedite all of your dispute letters that you request through the Dispute Manager. The whole Fast Track service is an extra one-time fee of $25.
You can also get Identity Optimization for $25 as well. This service looks at your credit reports and finds any extra personal information that isn’t needed and gets rid of it, to optimize your identity to keep personal information out of the hands of identity thieves.
All services come with a personal care advisor to help you through the credit repair process and answer any questions you have along the way.
Is Ovation Credit Repair Legit?
This is probably one of the biggest questions when it comes to credit repair. There are a lot of scams out there when it comes to credit repair, and even the most reputable services can be very sales driven, even if they stay within the legal guidelines.
The good news is there are legal guidelines that credit repair services must follow. According to the government’s Credit Repair Organization Act, a credit repair agency has to follow those guidelines in order to be legit. If your credit repair company doesn’t follow any of these rules, it may be a scam:
- Credit repair agencies cannot ask for payment up front without completing the work first. (This does not apply to initial payments to begin the work.)
- All contracts between you and the credit repair agency must be in writing. If anything is not in writing, don’t believe it.
- All credit repair agencies need to have an easy cancellation policy. Most legit credit repair agencies have month-to-month contracts because of this rule, so you can cancel any time.
Keep these rules in mind when choosing a credit repair service.
Just like the other credit repair services that we review, Ovation follows the rules of the Credit Repair Organization Act. You won’t pay for services until they are completed. You will get your contract in writing before services start. And you can cancel at any time.
Common Ovation Credit Repair Reviews
Ovation is not the biggest name when it comes to credit repair and is new in comparison to some of the bigger names, so that means it usually ranks lower when it comes to reviews. That, however, is not a reflection on the service so much as it’s a reflection on the strength of the bigger credit repair services.
Since Ovation hasn’t been around as long and is a lesser-known service, it doesn’t have as many customer reviews as some of the bigger names, which is a plus and a minus. Not having as many reviews means fewer complaints, but also fewer glowing reviews. It does have an A+ rating from the Better Business Bureau, which means its customers are relatively happy with the service, so that is a definite plus.
Is Ovation Credit Repair Right For You?
There are a couple questions you need to ask yourself before deciding if Ovation Credit Repair is right for you:
- Can I get a discount?
- Am I in a hurry?
- Do I need credit report monitoring?
- Do I want to be in control of the process?
To be honest, if you aren’t getting a discount from Ovation, it might not be worth it. Other top services like Sky Blue and The Credit People are the same price as Ovation and offer better-quality service. If you can take advantage of one of Ovation’s many discounts, however, it would be worth it.
Ovation’s Fast Track option is one you don’t see from any other credit repair service, so if you are hoping to get approved and start the process in a hurry, you should take advantage of this unique service.
If you really want to monitor your credit reports in addition to your credit score, this might be a good service to use. At $89, it’s cheaper than any of the other credit repair service packages that offer credit report monitoring.
Ovation’s Dispute Manager is another feature you don’t see from other services, so if you want to be completely hands on when it comes to how and what you are disputing, this is a good service for you.
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