Ovation Credit Repair Review [2024]: Can it Really Help Your Credit?

For the past 44 years, Ovation Credit Repair has helped customers resolve credit report issues that could affect their scores.
Updated April 11, 2024
Fact checked
Worried woman holding credit card

We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

Ovation Credit Repair shut down in April, 2023. Check out the Best Credit Repair Companies or read our Credit Saint review for alternative credit repair options.

Credit reporting isn’t a perfect science — it’s possible, and even common, for outdated or incorrect information to appear on your credit profile. In fact, a Federal Trade Commission study published in 2013 found that one in five people had an error on at least one of their credit reports, and more than 10% saw a score change after errors were fixed.

Ovation Credit Repair is a credit repair company that can help you fix inaccurate, incomplete, or unverifiable credit report issues that could affect your score. The service comes with a free credit consultation and one-on-one dispute support from a credit analyst.

No long-term contract is involved and you’re free to cancel the service at any time, which is one reason why we consider it among the best credit repair companies to work with. This Ovation Credit Repair review will breakdown the service and what you need to know before signing up.

In this article

Ovation Credit Repair plan basics

Plan name Services included Price (as of July 23, 2020)
Essentials Plan
  • Dispute process assistance: Help disputing inaccurate, misleading, incomplete, and unverifiable records
  • One-on-one support: A personal case advisor to guide you through credit repair
  • Money management tools: Budgeting and debt repayment tools
$89 first work fee and $79 monthly fee
Essentials Plus Plan All the Essentials Plan services plus:
  • Validation letters: Unlimited letters sent to verify and dispute records
  • Goodwill letters: Unlimited goodwill letters to request an account review or a good faith removal of records if your account is in good standing
  • Recommendation letters: Unlimited recommendation letters to verify that you’re creditworthy
  • Credit report monitoring: TransUnion credit report monitoring and change alerts
$89 first work fee and $109 monthly fee

An overview of Ovation Credit Repair

Ovation Credit Repair helps consumers repair credit by offering free credit report consultations and personalized credit repair services. The company’s mission is to help customers resolve credit report discrepancies that could have a negative impact on their scores. A poor credit score can impact the types of credit available to you as well as your interest rates. Ovation Credit Repair also offers credit monitoring services and other financial tools.

Based in Jacksonville, Florida, Ovation Credit Repair has been in business since 2004. In 2018, the company was acquired by LendingTree, a popular online loan marketplace.

What credit repair services does Ovation Credit Repair offer?

Ovation Credit Repair reviews your credit report and identifies ways to clean up your records. Under the Fair Credit Reporting Act, credit bureaus are allowed to report only the records that are accurate, verifiable, and current.

The act states that negative records, such as late payments, should fall off your report after seven years and bankruptcy should fall off after 10 years. This all sounds good in theory but it doesn’t always happen automatically, and that’s where Ovation Credit Services can help.

Ovation reviews your credit history and identifies negative items on your credit report, including errors, incomplete records, and inaccurate information to dispute on your behalf. It’s helped customers resolve credit report issues involving late payments, collections, foreclosures, inquiries, charge-offs, and judgments. You can dispute credit report errors on your own for free, but working with professionals could simplify the process.

On top of credit repair, Ovation Credit Repair comes with tools that can help you pay off debt and learn how to manage your money. If you’re drowning in debt, attacking your balances could help lower your credit utilization ratio, which is one of the most influential factors impacting your credit score.

If you’re interested in credit repair, Ovation offers two plans: The Essentials Plan and Essentials Plus Plan.

Essentials Plan

The Essentials Plan has an $89 first work fee and costs $79 per month. It includes a personalized credit repair plan and dispute assistance. You also get access to a debt payoff tool that can help you calculate when you’ll become debt-free.

Essentials Plus Plan

The Essentials Plus Plan has an $89 first work fee and a $109 monthly fee. It comes with the bells and whistles of the Essentials Plan plus TransUnion credit report monitoring, which can help you protect your credit score and quickly spot serious issues like identity theft. Under this plan, Ovation Credit Repair will also send an unlimited number of debt validation dispute letters, creditor goodwill letters, and recommendation letters on your behalf.

Here’s a breakdown of what those letters do:

  • A debt validation letter is sent to request confirmation of records in question.
  • A creditor goodwill letter tells creditors that your account is in good standing and requests an account review or removal of records in good faith.
  • A credit recommendation letter is a letter sent to lenders to vouch for your creditworthiness.

Service discounts

Ovation Credit Repair offers one-time credits and monthly discount opportunities that can lower the cost of the service. For instance, Ovation Credit Repair will give you a $50 credit if you’re working with another company and decide to start working with Ovation Credit Repair. You can also earn $30 per individual you refer to Ovation and $50 per couple. For couples, there’s also a 20% discount. Military service members and seniors can get a 10% discount per month.

What we like about Ovation Credit Repair

  • Free consultation: A credit specialist will review your credit report for free to see where you stand.
  • Customer discounts and referral credits: Couples get a 20% discount; military service members and seniors get 10% off each month. Plus, Ovation Credit Repair will give you a $30 credit per individual you refer and a $50 credit per couple. If you make regular referrals, these discounts can help offset the cost of services significantly.
  • No contract required: You can cancel the service at any time, and you may even qualify for a refund if you didn’t receive the services as outlined in the package.
  • One-on-one support: An advisor helps you come up with a personalized credit payment plan. So you get to ask questions and speak to someone directly during the credit repair process.

What Ovation Credit Repair could improve

  • No money-back guarantee: You can cancel Ovation’s services whenever you want, but it doesn’t offer a money-back guarantee at the moment. In comparison, Credit Saint — a credit repair company we consider one of the best around — offers a 90-day money-back guarantee that refunds your money if you don’t see any questionable items removed from your report within the first 90 days.
  • High long-term cost: An Ovation Credit Repair representative says it may take customers six to eight months, on average, to see “optimal results.” Over six months, that could mean a possible cost of over $484 for the basic plan and $634 for the premium plan.

What Ovation Credit Repair customers are saying

Overall, customers have positive things to say about Ovation Credit Repair. The company has earned an A+ rating from the Better Business Bureau and gets close to four full stars from customer reviews on the BBB website.

But some customers have complained about paying for the service and not seeing an improvement to their credit. In response, an Ovation Credit Repair representative says it typically takes several months to see a result. The Ovation Credit Repair website also states that results aren’t guaranteed.

Two customers have filed a complaint to the Consumer Financial Protection Bureau about Ovation Credit Repair stating “excessive fees.” Ovation Credit Repair responded to both CFPB complaints, though the company’s response wasn’t made public.

Ultimately, Ovation Credit Repair is transparent with how much it charges for the service, but the cost can add up over several months. If you choose to work with the company, calculate how much it might cost to see whether it fits into your budget. Also, keep in mind that repairing your credit may lead to long-term savings if it means you’re able to qualify for better credit cards and loans.

Ovation Credit Repair customer service

Customer service is one area in which Ovation Credit Repair shines. Ovation Credit Repair is open Monday through Friday from 8 a.m. to 9 p.m. EST and Saturday from 10 a.m. to 4 p.m. EST. The office is closed on Sundays.

You can get in touch with Ovation Credit Repair in several ways. You have the option to contact the company by phone at 866-639-3426. The company also has several email addresses you can use for different issues.

If you have questions about the product before signing on, you can email Info@OvationCredit.com. If you have general questions or billing issues, you can email Questions@OvationCredit.com or Billing@OvationCredit.com.

FAQs about Ovation Credit Repair

Is Ovation Credit Repair legit?

Ovation Credit Repair is a legitimate credit repair company that’s been in business for more than four decades. The company has an A+ rating from the BBB, gets almost four stars from customers on the BBB website, and has only two customer complaints in the CFPB complaint database.

How long does it take to rebuild your credit?

Ovation Credit Repair says results may vary. The average customer sees “optimal results” after six to eight months, according to a representative. So, if you’re trying to improve your credit score to buy a car, say, next month, this may not be the best option for you.

How do you cancel Ovation Credit Repair?

You can call Ovation Credit Repair to cancel the service. Ovation Credit Repair doesn’t bind you to a contract, so you can cancel at any time. But it’s worth noting that the no-risk refund policy doesn’t mean you’ll get a refund if you cancel. Ovation Credit Repair says it may offer a refund if it’s proven that you didn’t receive the agreed-upon monthly service.

For instance, you might get a refund if your advisor says they will dispute a credit report error and don’t. But if the company has done what it said it would do and your credit doesn’t change in the way you hoped, you’re unlikely to get a refund.

Bottom line

Technically, credit repair is something you can do on your own. If you file a dispute, the credit reporting agency must investigate unless it’s deemed frivolous. The Federal Trade Commission has a credit report dispute letter, and this is how to dispute records with Experian, Transunion, and Equifax. But if you’ve tried disputing on your own or you prefer calling in the experts, a credit repair company like Ovation Credit Repair may be worth the investment.

Just make sure you review all terms of the agreement and, in particular, how much it will cost long term. Ovation Credit Repair doesn’t promise results, so you’re not paying for a guaranteed credit score increase; rather, you’re paying for a service that will take care of the disputing and debt verification process for you. The results of this process may or may not be an improvement to your score, and it could take several months for you to see a change.

Disclaimer: All rates and fees are accurate as of July 23, 2020.

Experian Boost Benefits

  • Get credit for making on-time payments for your qualifying rent, utility bills, and streaming services2
  • 100% free — no credit card required
  • New credit scores take effect immediately
  • FICO® Score refreshed every 30 days upon sign in and one free personal privacy scan

Author Details

Taylor Medine Taylor Medine is a freelance writer who's covered all things personal finance for the last seven years. She enjoys writing financial product reviews and guides on budgeting, saving, repaying debt, and building credit.

Want to learn how to make an extra $200?

Get proven ways to earn extra cash from your phone, computer, & more with Extra.

You will receive emails from FinanceBuzz.com. Unsubscribe at any time. Privacy Policy

  • Vetted side hustles
  • Exclusive offers to save money daily
  • Expert tips to help manage and escape debt