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      November 15, 2018

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Sky Blue Credit vs Ovation Credit Services

Best Credit Repair

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

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

5 stars
Sky Blue Credit

SKY BLUE CREDIT Visit Site

Cost:

Monthly fees of $69/month for individuals and $99/month for couples

One-time review/setup fee of $69

Credit report fees of $14.95 per month or one-time for $39.95

Phone:

1-888-906-1327

TopConsumerReviews.com Best-In-Class Blue Ribbon Award Since 1989, Sky Blue Credit has provided credit repair and restoration services to clients in all 50 states. They are proud to offer Best in Class Support, giving customers "a happy, stress-free experience" as they work towards true, lasting credit improvement.

Sky Blue is legendary when it comes to their costs - in a good way. First, you won't pay a dime until you complete an initial review and setup with one of their representatives. If that review shows that SkyBlue can't help you, they'll tell you so - at no cost. We found many customer reviews that confirmed that's the case; people were pleasantly stunned to get great advice with actionable items that improved their credit even though they didn't wind up paying for the service. If the review does show that Sky Blue is a good partner in your pursuit of credit repair and you choose to work with them, you'll then pay a one-time setup fee of $69. Your monthly fee - $69/month as an individual or $99/month as a couple - isn't charged until a month later.

You can also pause your membership with just a click of a button in your online portal, along with being able to cancel at any time. Best of all, Sky Blue offers the only condition-free guarantee among credit repair services: within the first 90 days of your subscription, you can cancel for any reason and get a full refund of anything you've paid up until that point.

After signing up with SkyBlue, the process of working with them is very simple:

  • First, you send them a copy of your credit report. SkyBlue gives you links to their top choices for obtaining your report.
  • Next, SkyBlue performs a detailed review of your credit report, going over it line by line. They do this in order to identify items that are hurting your credit score, and determine the best ways to improve it.
  • Finally, SkyBlue challenges the credit bureaus with all their findings, and stays on them until everything is resolved.

In order to improve your credit score, Sky Blue includes an extremely comprehensive suite of services in their monthly fee, especially when compared with other credit repair services that charge twice as much for the same features. These services include:

  • Professional analysis to help select items to dispute
  • Fast disputes: 5 items per credit bureau every 35 days
  • Score assistance
  • Credit rebuilding guidance
  • Debt validation
  • Goodwill letters
  • Debt settlement/negotiation consultations

We also recommend that you browse their helpful Education Center. You'll find a well laid-out set of resources that include tutorials on Credit Repair and Credit Scores, How-To Guides, Credit Tips, and 22 categories of Q&A. along with the Sky Blue Blog.

All of Sky Blue's recent customer reviews show that the business is doing an amazing job at helping clients repair their credit effectively and quickly for the most affordable prices in the industry. Sky Blue is the real deal, and we are pleased to award them our highest rating as the best credit repair company.

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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.

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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!

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