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.

Advertising Disclaimer: Versus Reviews does receive compensation for some of the services that we recommend, although we have strict editorial guidelines and only recommend services that we truly believe are the best.