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      June 21, 2018

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Ovation Credit Report Repair vs The Credit Pros

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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 Pros.

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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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3 stars
The Credit Pros

THE CREDIT PROS Visit Site

Cost:

$179/$279 set-up fee for individuals/couples

$50 per credit history deletion per bureau

$75 per public records deletion

Monthly credit monitoring: $16.95

In business for more than 10 years and with a solid A rating as a Better Business Bureau accredited company since 2011, The Credit Pros offer help with removing bankruptcies, foreclosures, charge-offs, collections and more from individuals' credit reports. Their pricing structure is unique among credit repair services: users pay an initial fee of $179 for individuals or $279 for couples, and then an additional $50 per confirmed deletion per bureau and $75 for public records. This "Pay For Results Plan" allows clients to only pay for the services they truly need, rather than paying a monthly subscription for processes that may take several months to complete.

Customers can learn more about working with The Credit Pros by calling a toll-free number, completing an online form to schedule a one-on-one consultation with a certified FICO Professional, or by using a live chat function. It's worth noting that, at the time of this review, the Live Chat feature did not appear to be available; the chat page only showing the words "Live Chat" without a link or any sort of connection to that kind of functionality.

We also were slightly less than impressed to find in the fine print on the sign-up page that customers are required to maintain active credit monitoring. While clients can use TCP's services at $16.95 per month or another service of their choice, we would have liked that information featured more prominently as it does add to the customer's costs for credit repair services.

On the other hand, we do like The Credit Pros' 100% Money Back Guarantee, which offers a full refund for any failure to force the removal of any erroneous credit in the first 90 days. This guarantee could be made more robust by offering that guarantee for any reason.

Customer satisfaction with the services offered by TCP seems to be high, with clients reporting positive changes in their credit report in as little as 8 weeks. The Credit Pros does inform prospective clients to expect the process to take up to 12 months, depending on the complexity of their credit issues; however, given that TCP structures its services per removal, not per month, that could be very economical compared with other providers' monthly fees.

We would like to see specific numbers regarding TCP's successes: how many clients have been served, average times to resolve specific credit issues, and so forth. That information would easily move TCP into a four-star rating.

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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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