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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:
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:
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.
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.
But, 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. Your monthly service includes the following:
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.
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.
Best Credit Repair Companies
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.
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.
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:
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!
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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