Best Reviews TopConsumerReviews.com Best Credit Repair Companies Best Reviews
Best Reviews
      November 13, 2018

Home  >  Credit Repair  >  Ovation Credit Services vs The Credit Pros

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

Compare Products

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

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

Latest Reviews

Bunk Beds

Charm Bracelets

Coffee Clubs

Dog DNA Testing

Flower Delivery

Guitar Lessons

Lice

Menopause Relief

Online Stock Brokers

Watches

 

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

 

Disclosure: We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we may be compensated for links and advertisements on our website. Click here for details.

Better Business Bureau Reliability Seal

Ovation Credit Services vs The Credit Pros

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 The Credit Pros.

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

2018

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.

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.

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.

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.

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.

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

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.

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.

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

3.5 stars
The Credit Pros

THE CREDIT PROS Visit Site

Cost:

Enrollment fees of $179/$279 (individual/couple) and monthly fees of $99/$159 (individual/couple)

Pay-for-Results plan with enrollment fees of $379/$579 (individual/couple) and per-deletion fees of $100-$150

The Credit Pros advertise themselves as "a financial technology firm dedicated to improving the lives of [their] clients". They do this through helping them remove inaccurate, unverified, and/or erroneous information from their credit history and by offering education to help prevent similar mistakes going forward.

If you'd like to get a feel for what to expect from The Credit Pros, you can get a free credit score and summary, along with an action plan, by entering your name, number, and email address. You'll then be contacted for your free initial consultation. We found some customers who described that experience as frustrating, with representatives who spoke too fast and didn't take the time to answer questions - but since it's free, there's no risk for you to give it a try for yourself.

Their services are definitely not free - and are actually some of the highest in the industry. Here's what you should expect, depending on which plan you choose:

  • Monthly enrollment: initial fees of $179 for an individual or $279 for a couple, plus monthly fees of $99 or $159, respectively
  • Pay For Results enrollment: initial fees of $379/individual or $529/couple, then fees of $100 for each confirmed deletion per bureau or $150 for deletions from public records

All plans include 1-on-1 consultations with a certified FICO professional, unlimited disputes, letters to creditors, and pulling your credit report. You should expect it to take up to 60 days to receive your credit report - which also means that you may not see any changes to your credit history for the first two months that you're a client. Keep that in mind as you decide whether you want to be a per-month or pay-as-you-go customer

The Credit Pros have some indicators of a good reputation: an "A+" rating as an accredited business with the BBB, along with some positive customer comments. We also like that they offer a solid satisfaction/refund policy: you can cancel your service at any time, and you can get a full refund if they don't force the removal of any errors on your credit history within the first 90 days of your service.

The Credit Pros also have a very current website. Unlike some of our lower-ranked credit repair services, this provider keeps their blog updated with helpful information and articles, which means that they stay aware of current trends in consumer credit, changes to the law, and so forth.

On the other hand, we found that their client reviews were not all positive. You pay a lot for this service, so you expect to have measurable results and competent customer service, but many of the complaints we found said that the attention received after signing on the dotted line was very different from the sales pitch beforehand. Company reps seemed to respond almost exclusively to compliments online, but we didn't see the same attention given to address problems or complaints.

The Credit Pros are more trustworthy than some credit repair services that you may consider, but their high fees and mixed reviews may lead you to choose another provider.

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!

Credit Repair 101: Alpha Kappa Alpha Sorority, Inc., Rho Gamma Omega Chapter

The Rho Gamma Omega Chapter of Alpha Kappa Alpha Sorority, Inc. and Reliant Credit Repair of New Jersey invite you to attend an informational session on credit restoration. The event will convene on T...

Published:  Sun, 11 Nov 2018 08:00:00 GMT



Knowing your credit score leads to higher credit scores!

a Credit Repair Consultant for Credit Repair Expert. "Hard inquiries generally lower your credit score by a few points." 5. Credit Mix A portion of your score is based on the mix of credit you have (r...

Published:  Fri, 09 Nov 2018 06:41:00 GMT



This government mortgage program helps veterans with spotty credit history and gets better results

But for Sohnrey, that experience paled next to losing a baby daughter, then watching two young sons go under a surgeon's knife to repair holes in their hearts ... With a spotty credit history, only ab...

Published:  Mon, 12 Nov 2018 06:02:00 GMT



In print: Carbon Bike Repair

These DIY carbon-repair kits offer an incredible opportunity to turn your ... Carbon is a durable material that doesn't get enough credit. It is my hope that after reading about my experience that mor...

Published:  Tue, 06 Nov 2018 21:21:00 GMT



US Attorney Settles With Hudson Valley Credit Union

Hudson Valley has also taken steps to repair the credit of the affected service members. The agreement resolves the claims and causes of action asserted in the United States' Complaint against ...

Published:  Tue, 06 Nov 2018 11:57:00 GMT



North Carolina's Duke Credit Union, weary of upgrade costs, picks Dolphin Debit to manage its ATM Fleet

Dolphin Debit, the full-service ATM management company, took over Duke CU's machines earlier this year, providing the complete range of maintenance, repair, and upgrade services. Dan Berry is CEO of 5...

Published:  Wed, 07 Nov 2018 09:56:00 GMT



Don't let a refi hurt your credit score

Hard inquiries remain on your credit report for two years. Steve Millstein of Credit Repair Expert says, "Whenever you apply for new loans, including refinancing, creditors will always request a copy ...

Published:  Wed, 07 Nov 2018 06:38:00 GMT



Do You Want To Save Over $100,000 Improve Your Credit Score!

Here is the good news if your credit score is low, you can repair it overtime. Do NOT hire a credit score fixer company, as they will do the exact steps you can do on your own!

Published:  Wed, 07 Nov 2018 17:27:00 GMT



Woodward (NASDAQ:WWD) Neutral Rating Reaffirmed Today By Credit Suisse; The Price Target is Set to $81

Credit Suisse now has a $81 target on shares of Woodward (NASDAQ ... It has a 31.85 P/E ratio. It also offers aftermarket repair, overhaul, and other services to commercial airlines, turbine original ...

Published:  Thu, 08 Nov 2018 20:39:00 GMT



Stretching Your Dollar: What can you do to repair your credit rating

TOLEDO (WTOL) - Everyone wants to have good credit. Most of us are in the range between 600 and 750, with a number above 700 the best to have. But, how can you repair your credit rating after the dama...

Published:  Mon, 15 Oct 2018 15:29:00 GMT



Share Us!    Share TopConsumerReviews.com on Twitter Share TopConsumerReviews.com on LinkedIn Share TopConsumerReviews.com on Google+ Share TopConsumerReviews.com on Pinterest

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure