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Ovation Credit Report Repair vs The Credit People

Best Credit Repair

To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of Ovation Credit Report Repair and The Credit People.

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Your credit score and credit history are extremely important pieces of information. They are used to determine how much home you can afford; what your payments will be on your car; whether you qualify for credit cards; and even how much you'll pay for auto insurance.

Many times, however, people find their credit history contains negative information. This can range from late payments or too many credit inquiries, to collection agencies or inaccuracies. This negative information can restrict your purchase options and drive up your costs.

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Best Reviews

2018

Credit Repair Reviews

4.5 stars
Ovation Credit Report Repair

OVATION CREDIT REPORT REPAIR Visit Site

Cost:

$87 one-time setup fee

$37 - $57 monthly charge depending on the type of service selected

Ovation Credit Report Repair has been in business since 1972 and has 37 years of experience with consumer credit repair. A member of the BBB Online, their motto is "Experience Life with Better Credit," and they display a page of "proven" results as an example of what their services can do for you. They even offer a free credit consultation before you sign-up, and their process of credit repair is personally tailored for you.

Sign up is available online through their VeriSign secured site, or over the phone. As soon as you have forwarded your credit reports, Ovation utilizes their online Dispute Manager to obtain all the information necessary to begin working on your credit reports. The Dispute Manager is also continuously available to you for up-to-date information regarding your credit reports. From here, Ovation determines which strategy of credit disputing is appropriate for your situation, and all that's left for you to do is forward the corrected/updated credit reports as they come to you.

Ovation provides two levels of service for credit repair: The Essentials ($37 monthly), and The Essentials Plus ($57 monthly). Both provide personalized dispute options, a professional paralegal case advisor and analyst, unlimited dispute letters, online access to your status 24/7, and a live, interactive website for you to choose your dispute options. The Essentials Plus goes the extra mile by contacting creditors on your behalf to request validation of information on your credit report and provide recommendation letters from Ovation Credit Report Repair to new creditors.

Ovation also gives a couples discount of 20% for clients needing dual credit repair assistance. If you are working with another credit repair service and switch to Ovation, you will receive $50 credit just for becoming their customer. A comparison chart is provided to evaluate their services, as well as a competitor's chart to see how Ovation matches up with other credit repair services (even though you might want to do your own research to ensure their data is current). Additional services are available, but additional fees apply; for a one-time fee of $25, you can "Jump Start" your account to "top priority," which gives you same-day service on account set-up and custom dispute letters, and another one-time fee $19.95 enrolls you in the Identity Optimization Program, which is designed to be a preventative program to reduce or eliminate your risk of becoming an identity theft victim.

With Ovation, you have real-time customer service, no penalty for anytime cancellation, and their services are 100% satisfaction guaranteed; if no services are provided for any given month, that month's fee is refunded to you. In case you'd rather speak Spanish, the credit repair specialist on the line can accommodate you. The Ovation website also has an education center for information on how to build good credit, with free and helpful ebooks. Their website is also equipped with a search tool in case you are having trouble locating the information you are looking for.

Ovation Credit Report Repair provides quality and reliable credit repair services at a very competitive cost. Combined with helpful information and a proven track record of success, Ovation earns very high marks.

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4 stars
The Credit People

THE CREDIT PEOPLE Visit Site

Cost:

$316 for unlimited service

Phone:

1-866-888-2197

The Credit People is the self-proclaimed "#1 Credit Repair Solution Online," and if customer recommendation is a pull for you, then you'll find plenty of testimonials from people whose financial lives have been changed with their affordable services. They offer credit repair for those currently being rejected on anything from a home loan, a refinancing option, or a newer vehicle, but also offer assistance with financing tips for buying a home, managing rent, getting a car, opening a business, refinancing vehicles, and obtaining good quotes on both auto and health insurance. Their FAQ page also provides information regarding what can and can't be removed from a credit report.

The Credit People doesn't promise to deliver anything fancy; their promise to you is credit repair in a quick and timely manner. They only offer one type of service at one rate of cost: a one-time set-up fee of $19, which is charged with your first of 3 payments of $99. If you pay the full cost for The Credit People's services upfront, they will waive the set-up fee so the total cost to you is $299.00. And they won't forget about you after your first payment; The Credit People will contact credit agencies for negative items on your behalf until either proof is provided or the negative mark is removed. With The Credit People, you can expect to see positive results on your credit reports within 45-60 days. Plus, there are no additional costs for additional services.

Their website provides helpful information, including how your credit is calculated, how good credit can help you get a new car or a new home, and tips on obtaining and keeping good credit. They also provide full disclosure statements regarding the Fair Credit Reporting Act (FCRA), the Fair and Accurate Credit Transactions Act (FACT Act), and the Fair Debts Collection Practices Act (FDCPA), as well as the benefits of reviewing your credit report and credit score regularly. As they dispute the negative items on your personal credit report, they keep you updated with reports every other week sent via email, as well as the updated credit reports from the credit bureaus. If you are unsatisfied with the personal value of The Credit People's services, they'll give you a full refund of every penny you've paid.

While not a member of the Better Business Bureau, no complaints have been filed with the BBB against The Credit People. Enrolling with their service is easily done online through their secure server. For easy, unlimited credit services on your behalf, The Credit People provides affordable credit repair online.

Visit Site

Continued from above

A good credit repair service will take on these negative items in your credit history and work to remove them or reduce their severity. They can work directly with the credit bureaus, your creditors, and collection agencies, and use a variety of tactics to get them to stop reporting negative information.

Unfortunately, there seems to be just as many fraudulent credit repair firms running scams as there are legitimate credit repair services. There are a number of features to consider when comparing credit repair services. Some of these include:

  • Effectiveness.  Do they have a successful track record of improving credit scores?
  • Cost.  How do their fees compare with other credit repair services?
  • Guarantee.  Do they back up their service with a refund policy?

TopConsumerReviews.com has reviewed and ranked the best credit repair programs available today. We hope this information helps you reestablish your good credit right away!

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