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Ovation Credit Report Repair vs Veracity Credit

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OVATION CREDIT REPORT REPAIR

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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VERACITY CREDIT

Veracity begins by pinpointing the end goal: credit power. Better credit for that home loan, a better credit card interest rate, or optimal buying leverage for a home or vehicle. But Veracity also give you the truth about credit repair, that it isn't an over night process or an easy solution for real debt. Their goal is quick results on your credit report to ensure its accuracy and reliability. Even more than that, Veracity strives to target specific items on your credit report affecting your credit score or ability to achieve your credit goals and makes those corrections and deletions a priority over more non-essential items.

You can select from two levels of service; either "Select" or "Platinum". The Platinum level provides additional services of Select, including priority processing and a personalized credit optimization plan. Once you've enrolled, you are contacted by a personal consultant to procure your credit reports and custom-design your credit repair process. Inquiries about your credit progress can be made via online chat or by toll-free phone service. You'll begin seeing results from the credit bureaus in 30-45 days, and all you have to do to continue getting "better credit for an easier life" is forward your updated credit reports to Veracity.

They have a great FAQ page on credit repair questions, and a page of scenarios describing client situations they have assisted with. They also make no bones about declaring that they have no set refund policy, have rarely offered a full refund to a client, and expect that the personalized services they offer are worth the enrollment cost and monthly fee. They do offer a $25 discount on the 2nd account for couples signing up for credit repair together.

Veracity's website is straight forward and easy to navigate. What they don't have in fancy account services or instant online credit report access, they make up for in honesty and simplicity. As a competitive credit repair service, Veracity has something to offer. Veracity has been in business since 1998, an is a member of the BBB.

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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 Veracity Credit.

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:

  • 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!



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:

  • If you do your credit repair research online you avoid the annoying sales pitch from a pushy salesman that is most concerned about their next commission check.
  • Perform your research when it's most convenient for you, in the quiet of your home and without children playing or co-workers nearby.
  • The internet allows you to quickly identify the services of several credit repair companies at once. If you are looking for credit dispute offerings plus advice on how to improve your credit score long term you can easily identify what companies offer this level of service.
  • Knowing what several companies charge for their repair services provides you the knowledge to make an educated decision. Feel confident that you are improving your financial outlook and doing so while saving money over other providers.
  • The internet will allow you to read and educate yourself on the Fair Credit Reporting Act that governs credit agencies, promotes accuracy in reporting and regulates how negative information is reported and disputed.

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:

  • Make sure you identify a credit repair company with a solid reputation before considering it a worthy contender. Look for red flags like promises to wipe your credit clean with little effort, a request for a large payment upfront to cover costs, or discussions of creating a new identifier to fool the credit agencies.
  • Make sure you understand what you're signing up for. Will you be obligated to use the service for a specified period of time? Do they identify rules on how many disputes they will file in a specific period? Make sure you read the fine print and understand their policies before moving forward.
  • When you're working closely with your credit repair service you'll appreciate the convenience of companies that offer an online account for you to monitor the status of their efforts. Companies that require a lot of hand holding, phone calls, and emails are not going to be efficient.
  • You'll want credit repair company that puts the customer first. Companies that fail to return calls timely or are unprofessional on the phone are going to wear thin over time. Make sure you identify if your credit repair company of choice prioritizes the customer.

 



Credit Repair In The News

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Can Credit Repair Companies Really Improve My Credit Report

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How to Repair Your Credit When You're Still in College

If you're in college, you're probably already worrying about getting good grades, covering your living expenses, and repaying student loans when you graduate. So, worrying about your credit score might not be your biggest concern. But it should be.

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Montgomery credit repair company shut down, accused of deception

A Montgomery credit repair company has been permanently closed for deceptive and illegal practices, according to Alabama Attorney General's Office. Attorney General's Steve Marshall's office reached a settlement with Scott's Credit Repair and its ...

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Four Credit Repair Agencies Accused Of Misleading Customers, Charging Illegal Fees

Four different "credit repair" operations have been ordered to pay a total of more than $2 million in penalties for allegedly tricking people into thinking their bad credit could be easily fixed. The Consumer Financial Protection Bureau announced today ...

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