Best Reviews TopConsumerReviews.com Best Credit Repair Companies Best Reviews
Best Reviews
      July 11, 2020

Home  >  Credit Repair  >  Ovation Credit Services vs Credit Firm

Best Credit

Repair Companies

  1. Ovation Credit Services
  2. Credit Firm
  3. Credit Saint
  4. MSI Credit Solutions
  5. The Credit Pros
  6. Lexington Law
  7. The Credit People
  8. Credit Repair
  9. Credit Assist Network
  10. Pyramid Credit Repair
  11. E Credit Attorney
  12. Credit Repair Consult
  13. Veracity Credit

Your Information Is Secure
101 Tips to Raise Your Credit Score Newsletter

Compare Products

  • Select any 2 companies in our reviews to compare them head-to-head!

Latest Reviews

Bicycle Parts

Calendars

Credit Counseling

Feather Pillows

GMAT Test Prep

GRE Test Prep

Hemorrhoid Relief

Homeschool Supplies

LSAT Test Prep

MCAT Test Prep

Senior Care

Thyroid Health

 

Individual Reviews

Sky Blue Credit

Ovation Credit Services

Credit Firm

Credit Saint

MSI Credit Solutions

The Credit Pros

Lexington Law

The Credit People

Credit Repair

Credit Assistance Network

Pyramid Credit Repair

E Credit Attorney

Credit Repair Consultants

Veracity Credit

 

Related Articles

How Fast Can Your Credit Be Repaired?

How Repairing Your Credit Can Save You Money

Improving Your Credit Score

Quality Credit Repair Companies

The Basics of Credit Repair

What is a Credit Score and Why is it Important?

What is Credit History and Why is it Important?

Why Good Credit Is Important

 

Our professional reviewers evaluate products and services independently, but Top Consumer Reviews may earn money when you click on the links on our pages. Learn more.

Better Business Bureau Reliability Seal

Ovation Credit Services vs Credit Firm

Best Credit Repair

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

To see ALL of our reviews for the Best Credit Repair Services, please Click Here

Who's the best credit repair company? Most Americans know that a good credit score and credit history are important. That one number, your credit score, can determine your ability to get a loan for school or for a car, be approved as a tenant, or to qualify for a credit card.

Unfortunately, when your credit history is less than fantastic - because of making payments after the due date, having too many credit inquiries, or even having mistaken information associated with your identity - you'll have fewer options when you need to make a major purchase. You may even have to pay higher than average rates on your car insurance or your mortgage.

Continue reading below reviews

Best Reviews

2020

Credit Repair Reviews

4.5 stars
Ovation Credit Services

OVATION CREDIT SERVICES

Visit Site

Cost:

First work fees of $89 or $114, depending on selected plan

Monthly fees of $69 or $99, depending on selected plan

In the credit repair world, it's challenging to find a company that is not only "A+" rated but also accredited with the Better Business Bureau. Ovation Credit Services can claim that distinction with a history that covers more than four decades.

Free credit consultation

If you'd like to give Ovation a try, we recommend that you take advantage of their free credit consultation by entering your contact information on the website. One of their credit analysts will get in touch with you, to go over your credit report and answer your questions before you decide which Ovation plan will best meet your needs.

Two credit repair packages

There are two different packages offered by the company:

  • Essentials: for a one-time fee of $69 and monthly fees of $69, you'll get the basics of a personal case advisor, personalized dispute options, and an online dispute manager for tracking everything you submit to the various bureaus, agencies, and so forth. You'll also get access to financial management tools to help you budget for savings and paying down your debts.
  • Essentials Plus: for a one-time fee of $89 and a monthly fee of $99, you'll get the same services of the lower-priced plan, along with unlimited challenge validation / creditor goodwill / official recommendation letters, plus TransUnion monitoring to keep an eye out for any changes that affect your credit score or that could be fraudulent.

One major difference between the two plans Ovation offers: you'll be in charge of submitting disputes on their lower-priced package. They'll guide you through the process of determining what to send and to whom, but you'll be responsible for making it happen. If you prefer that your credit repair service submit those dispute letters on your behalf, you'll want to choose the Essentials Plus package.

Best Credit Repair

Jumpstart your credit repair

Need to get started sooner rather than later? You may want to opt into Ovation's "JumpStart" service: for a $25 add-on to your initial fees, you'll get your account set up on the day you start your program, along with custom dispute letters and "top priority" status. This applies to both the Essentials and Essentials Plus packages.

Identity theft

Also, if identity theft is a concern, Ovation offers an Identity Optimization program for an additional fee of $19.95. However, if you're already working with an identity protection service such as LifeLock, this service may duplicate what you already have in place.

Qualifying discounts

Ovation goes the extra mile in trying to earn your business through discounts. You'll find any current promotions under the Credit Repair heading at the top of the page. When we checked out their services, the following offers were in place:

  • Senior Discount: save 10% if you're 65 or older
  • Military Discount: save 10% if you're active duty or retired military
  • Pair-Up Discount: save 20% over the cost of two individual plans if you sign up for services as a couple; this applies to two married people, two friends, two relatives, or any two closely-associated people
  • Tell-a-Friend: get a credit of $30 or $50 for referring an individual or a couple that signs up for Ovation
  • Competitive Upgrade: get a $50 credit if you switch to Ovation from another credit repair service

No-risk refund policy

Ovation also has a no-risk refund policy: if they do not provide the agreed-upon services in any particular month, you can request a refund of your fees for that timeframe. Just keep in mind that they do not promise any specific results on your credit history, only that they will provide their services.

Credit education

You'll find a lot of helpful information under the Credit Education tab. Ovation keeps their blog updated regularly on topics ranging from Bankruptcy to Payday Loans and much more; if you feel a little lost just browsing through the most recent posts, you can click on any of the topic categories on the right side of the page, underneath the Recent Posts header.

Satisfied customers

Best of all, the majority of Ovation's customers say that they're very satisfied with the credit repair services they got through the business. Although customers are told to expect it to take several months, even up to a year, to see significant results, some clients have seen improvements within the first month of working with Ovation. And, even the customers who registered complaints seem to have gotten timely, appropriate responses from Ovation Credit Services' representatives.

Because of their rock-solid reputation, reasonably-priced plans, ample discounts and effective service, we highly recommend considering Ovation Credit Services when determining how to repair your credit history.

Visit Site
4 stars
Credit Firm

CREDIT FIRM

Visit Site

Cost:

$49.99/month

At first glance, the Credit Firm website might have you thinking they're not the ideal credit repair service: there are no bells and whistles, the style of the site is somewhat outdated, and there's no up-to-the-minute blog giving you the latest information on consumer finance.

Straightforward pricing

If you're looking for straightforward pricing - $49.99/month, with no setup fees, cancel anytime - with a company that maintains an A+ rating at the Better Business Bureau, Credit Firm could be what you want. Although you'll have to provide a credit report (or possibly pay Credit Firm to get it for you), your credit repair program is all covered by the monthly fee.

Best Credit Repair

What's included?

Your monthly service includes the following:

  • In-depth credit audit
  • Unlimited credit bureau challenges
  • Unlimited procedural request verification
  • Unlimited inquiry challenges
  • Unlimited personal information variance challenges
  • Unlimited goodwill interventions
  • Unlimited debt validation
  • Collection agency defense using the FDCPA

More than 60,000 clients

According to Credit Firm, they've helped more than 60,000 clients to improve their credit scores in the last 15 years. We found many positive reviews from some of those customers; comments often mention how much they appreciate the simple, affordable pricing, and that the services offered are effective in improving their credit scores.

Website needs an update

Other than updating their website, Credit Firm could rank higher among credit repair companies by offering a satisfaction guarantee. While $49/month is affordable and the service is easy to cancel, this provider could take it a step further by letting customers know that they're committed to achieving a specific level of results within a given timeframe.

Overall, however, Credit Firm does a good job of repairing customers' credit scores for a price they can afford. They should definitely be on your list of providers to consider if you want simple pricing and a good reputation from your credit repair service.

Visit Site

Continued from above

Using a reputable credit repair company puts you back in control of your financial reputation. These services work on your behalf to reduce or eliminate any negative factors in your credit history, working directly with collection agencies, creditors, and even with the three primary credit bureaus. With the help of a credit repair company, you can improve your score and even put a stop to negative information being reported on your accounts. Most services take several months before you see measurable results on your credit report, so adjust your expectations accordingly.

With so many services advertised in the media and online, how can you tell if a credit repair company is reputable and effective? As you compare the various providers, here are several criteria to keep in mind:

  • Reputation. What do past and current users of the credit repair service have to say about the experience? Is the company accredited and/or rated by the Better Business Bureau?
  • Cost. What will you pay to fix your credit history? Should you expect a one-time fee or a monthly payment structure? How do the costs compare with other providers'?
  • Guarantee. Does the credit repair service guarantee that they will improve your credit score and/or history? Can you get a refund if you are unhappy with their service for any reason?

TopConsumerReviews.com has reviewed and ranked the best credit repair companies available today. We hope this information helps you find the right credit repair program that meets your needs and gets you on your way to an improved credit history!

What are credit repair services -- and are they worth the money?

Blemishes on your credit report -- including late and missed payments -- are no joke. They have a direct impact on your ...

Published:  Fri, 10 Jul 2020 08:37:00 GMT



9 Valuable Credit Card Benefits You Might Already Have

It's no secret that credit cards can offer a wide range of benefits. The ability to build your credit history? Check. Liability protection if your card is lost or stolen? Check. Cash back or other ...

Published:  Mon, 06 Jul 2020 04:15:00 GMT



Umesh Agarwal and his Company Credit 101 LLC Sets an example by being Credit Repair Company That Delivers & Educate Masses

The journey to getting a good credit score might be bumpy and little longer. Credit 101 LLC is a labor of hard work and consistent results delivered by the founders : Umesh Agarwal and his business ...

Published:  Mon, 06 Jul 2020 05:23:00 GMT



Credit Advice You Can Trust

In a related scam, often hawked in radio ads, firms claim to be able to "repair" your credit record or make your credit score go up virtually overnight. "Steer clear of a credit-repair firm that ...

Published:  Mon, 29 Jun 2020 10:32:00 GMT



Industry Leading Tradeline Company Expands its Credit Partner Program

LOS ANGELES, CA / ACCESSWIRE / / David Melnicoe, founder of Tradeline Supply Company, LLC, is pleased to announce that his company has recently expanded their credit partner program. To learn more ...

Published:  Mon, 06 Jul 2020 02:45:00 GMT



Pinnacle Foundation Repair partners with EnerBank USA

Pinnacle Foundation Repair has announced that it is partnering with credit provider EnerBank USA to offer customers financing options ...

Published:  Wed, 01 Jul 2020 09:00:00 GMT



Britain "faces decades of tax rises' to repair public finances after coronavirus crisis

BRITAIN could face decades of tax rises to repair its battered public finances in the wake of the coronavirus crisis, economists have warned. The Institute for Fiscal Studies (IFS) said managing ...

Published:  Thu, 09 Jul 2020 16:29:00 GMT



Runway Growth Credit Fund Provides Second Quarter 2020 Portfolio Update

PRNewswire/ -- Runway Growth Credit Fund Inc. (the "Fund" or "Runway Growth"), a leading lender of growth capital to both venture and non-venture ...

Published:  Thu, 09 Jul 2020 07:00:00 GMT



The First Progress Platinum Elite MasterCard® Secured Credit Card Review

Editor's note - You can trust the integrity of our balanced, independent financial advice. We may, however, receive compensation from the issuers of some products mentioned in this article. Opinions ...

Published:  Sat, 04 Jul 2020 17:00:00 GMT



State awards a $5 million tax credit for job creation. Who's hiring, and how many people?

Now it's receiving $5 million in tax credits from the state of California over the next five years to support its plans to add more than 800 employees to its staff and invest $24 million in the ...

Published:  Mon, 06 Jul 2020 20:41:00 GMT



Share Us!   

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure