Ovation Credit Report Repair vs Lexington Law
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Ovation Credit Report Repair vs Lexington Law
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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.
Lexington Law is a nationwide company that has been in the business of helping consumers remove credit inaccuracies for over 22 years. They are responsible for correcting over 2.5 million questionable items each year and employ a team of lawyers and paralegals that are experts at credit repair laws.
Credit repair with Lexington law is a very simple process. First, Lexington Law needs a copy of your credit reports from the 3 credit bureaus (TransUnion, Experian, and Equifax). If you don't already have them, Lexington Law can assist you in obtaining them after signup. Once Lexington has received your reports, you use the simple online Dispute Valet service to choose which items to dispute and how to dispute them. Throughout this entire process Lexington is available 24 hours a day, 7 days a week via toll-free phone service, email, and online chat support (customer service support is also provided in Spanish.)
After you've finished with the Dispute Valet, Lexington Law goes to work for you by challenging the credit bureaus and your creditors to provide verifiable, accurate information regarding the negative items you have chosen to dispute. Once each negative item has been challenged, the credit bureau has 30 days to investigate the dispute and provide you with their results as well as an updated credit report. Once you receive your updated report, you'll send that report over to Lexington so that they can continue the dispute process with the most current information.
Lexington Law has three levels of service. All levels include unlimited disputes, Lexington's risk-free refund policy, free support, no contracts, no additional fees and an anytime cancellation option.
Lexington's service begins with an easy sign-up on the web via their VeriSign secured site. Their site is very professional and provides detailed information about their services as well as an overview of the credit repair process. Also on the website are helpful evaluation materials such as the "Credit Cost Calculator", where you can compute how much your bad credit is costing you, and a service analysis chart in case you have trouble deciding which Lexington plan is right for you. In case you'd like to know who will be taking responsibility for your personal credit repair, you can view the firm's attorney profiles and even view a video interview.
If questions arise, Lexington Law paralegals are available 7 days a week for assistance. Using their toll-free customer service line at 1-866-943-1521, we found their customer service representatives to be both knowledgeable and helpful. Clients can also access their case online 24 hours a day / 7 days a week to view account progress, get credit advice, upload communications, and more.
Lexington Law views credit repair as a personal process, with specific, individualized intervention for each client. If Lexington Law fails to provide the agreed upon services, as identified by the service level you select, you will not be billed for that month, or the charge will be refunded if already processed.
Serving clients in debt repair since 1991, Lexington Law is a member of the Better Business Bureau Online (BBB Online) and has an A- rating. Quarterly published statistics regarding their successes can be found on their web page.
If you are seeking to re-establish good credit by correcting your credit report, Lexington Law is a professional source for quality credit repair. They earn high marks for the professionalism of their website, their long and impressive history, their detailed explanation of services, around-the-clock availability and more.
Credit Repair Services
To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of Ovation Credit Report Repair and Lexington Law.
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.
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:
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!
Choosing a Credit Repair Company
If your credit score needs some professional help here's how to search for a quality credit repair company.
Start at the Computer
Searching online for a credit repair company provides many benefits in finding and choosing the right service provider for you and here's why:
Look for These Characteristics
When searching for the best credit repair company look for the following characteristics in a quality company before making your selection:
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