Consumer Rights Archives | Page 4 of 10 | Ovation Credit Repair Services

Dec 06

What is an EIN? Since My Credit is Bad, Can I Apply for an EIN and Start Over with a New Credit File with the Credit Bureaus?

By Marketing | Ask a Credit Expert, Consumer Rights, Credit Laws, Credit Repair, Personal Finance, Your Credit

An EIN is an Employer Identification Number. It is given to new businesses and used to track their payroll and business taxes and for businesses to file their taxes. This is not to be used for individual use. However, there are some credit repair companies out there that tell consumers to apply for an EIN for their personal use and for their credit. By trying to use an EIN as your SSN you will actually create a File Segregation (two different files at the credit bureaus) AND it is Illegal. Once the Credit Bureaus find this error they will put both of your credit files together usually making your credit situation worse than what it was before.

If you are looking to improve or repair your credit and you call a company for help and they tell you to apply for an EIN, turn and run. It is illegal and will get you into trouble which can include fines and other consequences. Make sure you write down the information about the company and then file a complaint with the Federal Trade Commission at www.ftc.gov. Tell the FTC about this company and any other information that you have about them: like where they are located, a web address, what they told you, the company name, phone number, etc.

If you are looking for help with your credit reports and with credit repair then don’t worry about those companies. Contact the BEST, Ovation Credit Services and you will not have to worry about anything illegal or any type of scam. Give our Credit Analysts a call at 866-639-3426 – Option 2 or send them your questions to [email protected]. If you have any questions for our Credit Expert Kristi Thornton you can write her at [email protected]. We look forward to helping you with all of your credit needs!!!

Nov 09

When I pay off a collection or charge off account, will it start reporting as paid in full and as a positive account?

By Marketing | Ask a Credit Expert, Collections, Consumer Rights, Credit Cards, Credit Laws, Credit Repair, Debt, Payment, Personal Finance, Your Credit

When you pay off a collection or charge off account on your credit report that is great. It is always in a consumer’s best interest to pay off their debt. However, a lot of consumers think that once the account is paid that it is no longer negative and has actually become positive. That would be great, unfortunately that is not the case, and it is still a negative account. The creditor should update your account on your credit report to show that it is paid in full or paid collection/charge off. By updating that information it will have a positive impact on your credit report and more importantly on your credit score. The amounts owed on your accounts is 30% of your credit score, so as you pay accounts off it will help to raise your credit score. By paying accounts off they no longer have such a bad impact on the credit score.

Your credit scores will improve when you pay off accounts because your reports will show you owe less money to creditors, it will stop the account from updating every month that it is not paid and it’s late, and it will keep the date of last activity as when it was paid. When the account is paid off it stops the activity on the account so that it will fall off of your credit reports 7 years (for most items) from the date of last activity. All collection, charge off, and late payments should come off your reports 7 years from the date of last activity. If you have accounts that have not updated as paid or have not come off your reports when they were supposed to, then give us a call.

If you have any other questions about items on your credit reports, how items are reporting, and when items will come off your credit reports, please call one of our Experts at Ovation Credit Services. Call 1-866-639-3426 and schedule a FREE credit consultation! Check out http://www.ovationcredit.com/howItWorks/howWeHelp.php to see other ways we can help! We are here to guide you to a BETTER Financial Future!

Nov 08

Can I dispute an account on my credit reports that I know is my account?

By Marketing | Ask a Credit Expert, Bankruptcy, Collections, Consumer Rights, Credit Cards, Credit Repair, Payment, Your Credit

Yes, you can dispute accounts on your credit reports that belong to you. Just because an account is yours, does not mean that it is reporting accurately or that all of the information reporting on the account is correct. Statistics show that 79% of credit reports in the United States contain errors. If an account has incomplete or inaccurate information then you would want to dispute the account and any information reporting on it that is incorrect. You can dispute the balance of the account, any incorrect dates reporting with the account, whether the account is open or closed, or any other information that is listed incorrectly. For example, if you have an account that is reporting as being 90 days late and you know it was never late, then you would dispute the late payment to get the late payment updated/removed from your report, not the entire account. That is exactly why you want to review your report at least once a year.

As a consumer it is in your best interest to go through your credit report once or twice a year and review all of the accounts and the information reporting on each account. That way if you find inaccurate information and/or accounts, you can dispute them right away. Too many consumers wait and then review their credit reports when they are trying to finance a car or a home and then it is too late. If there are negative errors on your credit reports you run the risk of being declined or being approved but with a high interest rate or needing a co-signer. So, check your report and review each account that is reporting to make sure everything is accurate. If something is inaccurate or incomplete at that time then you can dispute the information and get it corrected before you need to use your credit.

If you need help disputing your credit reports, contact the Experts at Ovation Credit Services where you will get First Class Customer Service! Go to www.ovationcredit.com for more information, or call 1-866-639-3426!

Oct 31

The Truth About the Credit Bureaus

By Marketing | Ask a Credit Expert, Consumer Rights, Credit Laws, Credit Repair, Fair Credit Reporting Act, Your Credit

Let’s talk about the Credit Bureaus. A lot of consumers think that because they are called bureaus that they are some type of government run agency – however, that is incorrect. The Credit Bureaus are for-profit businesses just like any other business and the majority of their money comes from lenders/creditors. Our creditors pay the Credit Bureaus to store, collect, and report our credit information – good or bad. They also make money from creditors buying our credit reports, so they can review our credit history and decide if they want to grant us credit or review our credit for our current accounts. Another way they make money is from consumers, when we buy our credit reports, credit scores, and credit monitoring directly from them.

There are three main credit bureaus: Experian, Equifax, and TransUnion. There is also a fourth company that is trying to become one of the large Credit Bureaus and that is Innovis. The majority of creditors and lenders do not report to them at this time. The main law that governs the Credit Bureaus and how they report our credit information is: the FCRA (Fair Credit Reporting Act). The agency that governs the Credit Bureaus and makes sure they do not violate the FCRA is the FTC (Federal Trade Commission). If you ever have a problem with a Credit Bureau where they are violating the FCRA, you can file a complaint against them through the FTC at www.ftc.gov.

The Credit Bureaus are the only ones that can change, update, and delete information on a consumer’s credit reports. If there is an error on your report, you would need to dispute to the Credit Bureaus. The Credit Bureau then contacts the creditor to investigate the error. The creditors have 30 days to investigate and update the Credit Bureau. If the creditor finds there is an error then they tell the Credit Bureau to update the information or delete it from the credit report. It is the Credit Bureau’s job to fix the information on the credit report.

The Credit Bureaus are not perfect, as I said before they are businesses and just like any other business they make mistakes. As a matter of fact 79% of all credit reports have errors. Check your credit reports at least once a year for any errors. You can obtain all three credit reports and scores by clicking here. This site offers consumers credit reports and scores with a FREE seven-day trial in monthly credit monitoring. You will not be charged for anything as long as you cancel the service during the free seven-day trial membership. If you need any assistance ordering your credit reports, please give me call.

Once you review your credit reports, if there are any errors you can dispute them directly with the Credit Bureaus. You can dispute with the Credit Bureaus online, over the phone, or by sending a letter. For more information about disputing with the Credit Bureaus you can go to their websites: www.equifax.com, www.experian.com, and www.transunion.com. If you want professional assistance in disputing your credit reports then call the BEST in the industry: Ovation Credit Services at 1-866-639-3426 Option 2 or go to the website to get more information www.ovationcredit.com.

For specific questions about your credit or disputing, ask our Credit Expert Kristi Thornton, email your questions to [email protected].

Oct 19

HOW DO I ORDER MY CREDIT REPORTS FOR FREE?

By Marketing | Ask a Credit Expert, Consumer Rights, Credit Repair, Fair Credit Reporting Act, Personal Finance, Save Money, Your Credit

Getting your credit reports for FREE is much easier since the FACT ACT was passed in 2003. The Fact Act is an amendment made to the Fair Credit Report Act making it possible for consumers to get one free credit report every 12 months from each of the three credit bureaus. When the Fact Act was passed the credit bureaus got together and created one site for consumers to use to get their FREE copy of each credit report. You can log into www.AnnualCreditReport.com to get your copy of each credit report (Experian, Equifax, and TransUnion) once every 12 months.

Some other options for free credit reports, are websites that offer you a week to a month FREE trial of their Credit Monitoring program so you can log in, order all three reports (sometimes credit scores too) and review your credit reports. Once you get your credit reports from the credit monitoring company it is up to you whether you stay with the program or not. If you decide you do not want the program then make sure you cancel before the trial is up so you do not get billed for their service.

If you have been denied credit in the last 90 days you can get a credit report for FREE from which ever bureau the potential lender used to decide if you were approved or not. You can also order your credit reports from the credit bureaus directly at www.TransUnion.com www.Experian.com, and www.Equifax.com.

For qualified consumers, there are some additional options provided under the Fair Credit Reporting Act that entitle you to receive a free copy of your credit report. You are entitled to a free copy of your credit report if you’ve been denied credit, insurance or employment and request the report within 60 days of notice, or if you can prove that (a) you’re unemployed and plan to look for a job within 60 days, (b) you’re on welfare, or (c) your report is inaccurate because of fraud or identity theft. If your application for credit, insurance, or employment is denied because of your credit information, the company to which you applied must give you the name and address of the credit bureau they used to make their decision. If you don’t qualify under any of those categories, you can use one of the options above, or you will need to purchase your credit reports, which are approximately $9.00 – $12.95 each when purchased directly from the credit bureaus.

Once you get your credit reports, please give us a call at 1-866-639-3426 Option 2 or email [email protected] to schedule a FREE Credit Consultation. At Ovation Credit Services, our Credit Analysts would be happy to review your credit reports with you. We can discuss your credit options and how we can help you to improve your credit reports and credit scores. You can also visit http://www.ovationcredit.com/services/services.php to learn about our programs and services.

Mar 30

Where, Oh Where has My Money Gone

By Marketing | Consumer Rights, Debt, Your Credit

During these tough economic times, many Americans have seen major downturns in their savings, their retirement accounts and cost of living. So do you know where your money has gone? Maybe it is time to check where your money is going.

The best way to do this is to start with your budget. If you don’t use a budget maybe it is time to start. Begin by making a money diary that will show your complete spending for at least two weeks. It is better to do a money diary for one full month but two weeks will give you a pretty good understanding. This money diary will help you know where your money is going. Then you can build a budget that will help you pay all your bills, save a little money and maybe even have some fun.

Once you have your budget built then take the time to check out your debt. Start with your revolving credit such as credit cards, department store cards and gasoline cards. Most gasoline card require that you pay the balance in full at the end of the month. But if you have a card that you carry a balance on make sure your balance due is at least 30% or below of your available credit. If you have any card debt that is carrying more than 30% then you need to reduce that debt as quickly as possible. Once your debt is below 30% your credit will begin to see improved credit scores.

Now you have a budget and you have reduced your revolving credit debt it is time to start building your savings or emergency fund. You should have at least three to six months worth of living expenses in your fund. If you have a two income family then your fund should reflect that amount. No one expects you to have your fund overnight. But you’ll want to build it up as quickly as you can. Having this much money in savings will protect you from life’s little emergencies.

Finally, you should review your retirement account. If you don’t have a retirement-plan then you should investigate getting one. Many companies offer retirement plans and most will contribute those plans. You’ll need to check out where your contributions are going. If you had most of your contributions in the higher risk categories then you lost quite a bit of money recently. Choosing a less risky option will take you longer to build a solid retirement account but odds are you won’t lose money as rapidly.

This will help you get on the right track financially. Review your credit history report and dispute any inaccurate information. Good credit is so vital in today’s economy so you should monitor your report at least once a year. If you need additional help then look to hire a legitimate credit repair company. Good credit repair companies will dispute as you instruct them to. Good financial management begins with knowing where your money goes and maintaining good credit.

Mar 30

Teach Your Children Good Money Management Skills

By Marketing | Consumer Rights, Your Credit

If your parents taught you some basic money management skills then chances are you are properly handling your finances. Simple things like budgeting, paying your debts on time and saving some money for a “rainy day” are basic money management skills. Teaching your children at a young age is much easier than trying to teach them as teenagers. Young children are easier than teenagers when it comes to money.

Begin by giving your children an allowance. As they grow older teach them that their allowance is similar to having a job and getting paid by their employer. Once your children are receiving an allowance, you can begin to teach them how to save money. Learning to save money to purchase the things that they want is a great habit to get into. For example, if your child wants a video game, teach them save their money to buy the game. You can even use this same example to teach your children about credit. Offer to pay for the video game and allow your child to make payments from their allowance. You can even set up a fee to make the loan similar to an interest payment.

You can even teach your children how the real world works. Show what it’s like to have to pay daily living expenses. You can even charge rent, utilities and other expenses so that your children can learn good financial habits. By teaching your children how to save money and control their debt you are giving them a solid footing for their future. Additionally, should teach your children as they approach the age of going out on their own about their credit report. Show them how to get it, how to read it and finally, how to dispute any information that is inaccurate. My daughter found errors on her credit report before she turned 18. We disputed the information and got it corrected before she started out.

Good credit is hard to come by so teaching your children is very important. Take the time to make sure they understand how important this is to their future.

Feb 28

Tax Time is Credit Time

By Marketing | Budgeting, Consumer Rights, Credit Laws, Credit Repair, Personal Finance, Your Credit

Once a year you should review your credit report. Since you already have your financial documentation out, tax time is the perfect time to review your report. If you have never reviewed your credit report then you may have many items that need to be disputed. Taking the time to fix your credit report may take quite a while the first time. But once your report is correct and accurate you can check your report once a year confidently.

You can get a free copy of your credit report at annualcreditreport.com once a year. This is truly a free copy of your credit report. Other web sites tell you that you can get a free copy of your credit report if you sign up for their monitoring service. Using a monitoring service is not necessary unless you do not want to monitor the work yourself.

Once you have a copy of your credit report highlight any errors that you see. Make a list of any errors by the individual credit bureaus (Equifax, Experian, TransUnion). Write dispute letters to each credit bureau listing 2 or 3 items per letter. Keep disputing until all items on your credit report are deleted or corrected. This will take more time if you have never disputed before. Do not be discouraged if you have never done this before. Your credit did not get that way overnight and you certainly won’t get it fixed overnight either. It may take from six months to one year to get your report completely accurate. An accurate report is critical to having a great credit score.

Now that your credit report is accurate you can start building up your credit. Simple things like paying your bills on time and in full will help your score continue to rise. Then by reducing your revolving (credit card) credit, your credit score will continue its upward path. Having installment loans such as car payments or mortgages will also help your score but they must be paid on time every time. It is best to setup automatic payments on your credit cards and installment loans so that you never have a late payment. Late payments make up over 30% of your credit score. Even if you set up automatic payments to only make minimum payments then you go back and pay however much more you want at least your payments will never be late.

By using tax time to remind you that it is credit report time you can stay on top of any problems that might appear on your credit report. Good credit is vital in today’s economy and having errors on your credit report will hurt your credit score. If you need someone to assist you in disputing errors on your credit report don’t be afraid to hire a professional. There are legitimate credit repair companies out there who can help you.

Feb 28

Easy Ways to Improve Your Credit Score

By Marketing | Consumer Rights, Credit Repair, Your Credit

There are some simple yet effective ways to help your credit score. Once you have updated your credit report and got the report as accurate as possible then begin the following suggestions.

1. Have a major credit card. Gas cards and department store cards can help build your credit but without a major credit card you will have problems getting into the 700 plus scores. Major credit cards include Visa, MasterCard, Discover and American Express. If you don’t have a major credit card then you need to get one. If your scores won’t qualify for a regular card then you need to look into a secured card. A secured card will require a deposit into the issuing bank. Verify that the bank and the card will report to all three credit bureaus. Additionally, try to get a card that can be converted to a regular card after so many on time payments.

2. Make payments for every credit card and loan on time. The best way to confirm that is to make arrangements for automatic payments. By setting up automatic payments you will never make a late payment again. You also can setup automatic payments to take the amount you specify, either the minimum payment, a set dollar amount or the balance in full, every month from your checking account.

3. Never let an account go to collections. You dispute any amount on a bill then communicate with your creditor. Because if you have an account that goes into collections you will have a negative mark on your credit report. The best way to handle it is pay the account and take it to small claims court. If you have accounts that go to collections and then become judgments against you will really hurt your credit score. These may take up to seven years to no longer affect your credit score.

4. Reduce your debt. pay large portion of your credit score is based on how much of your available credit are you using. The credit bureaus use a formula that likes to see large gaps between your available credit and your balances. The scores will improve dramatically when you pay down your credit card debt. So having a small balance on several cards better than a big balance on one card.

5. Monitor your balance on your credit cards. Even if you pay your cards off in full each month that may not be the balance being reported to the bureaus. By monitoring your credit report you can determine on each credit card what number is being reported as your balance. For example, if you have a credit card with a $10,000 limit and you charge $8,000 to the card then pay the complete balance in full, the credit card company may report your balance as $8,000. This would show that you are using 80% of your available balance.

6. Use less of your available credit for better scores. Keeping your credit card balances below 30% is good for your credit score. But getting your balance below 10% of your available credit will help you even more. Using several cards is better than using one card for everything. Additionally, make payments on your credit cards prior to their statement date. Because this will lower your balance that is being reported to the credit bureaus. You can also set up a automatic payment just before the due date to avoid any late fees.

These are just a few suggestions to help you improve your credit score. Having a good score is very important today with the current economy. Getting some help to correct your credit report can help you get on track more quickly. Don’t be afraid to hire someone to assist you in getting your credit report accurate. We can all have good credit if we want and work hard to do things properly.

Feb 28

Great Credit is Not Impossible

By Marketing | Consumer Rights, Credit Repair, Your Credit

Many Americans are struggling with low to average credit scores. But the good news is that you can improve your credit scores. Having a credit score above 740 means hard work and diligence but is obtainable by everyone. You must decide how hard you want to work for that goal. Hard work and being meticulous is the only way to raise your credit score.

If your credit score is below 740 then you will have problems with the following:

· Insurance companies – setting premiums and evaluating applicants.

· Getting an apartment – landlords and management companies check credit on applicants.

· Employment – employers today check credit to protect themselves from employees with troubled finances.

· Buying a home – without good credit buying a home will become almost impossible in today’s economy.

But you can be taught proper techniques to improve your credit score. In America, 50% of all Americans have a credit score below 720 and 50% of all Americans have a score above 720. Only 13% have scores above 800 according to Fair Isaac, the company that created FICO scoring.

You can have a good credit score if you are willing to work hard for it. Here are some basic tips to help you:

1. You can’t fix your credit score if you don’t have control of your finances. This means can’t pay your bills you can’t fix your credit. Fixing your credit will have to wait until your financial problem is resolved. You must be bringing in more money then you have in expenses.

2. You must use your credit if you want to raise your score. If you are living on cash only then you can’t raise your credit score. Your credit score tells lenders how you manage your credit. If you don’t use it then your credit score will never go up.

3. You don’t have to carry a balance to use your credit. Many people who have achieved 800 plus credit scores do not carry a balance and pay off their balances regularly. Charging items to your credit card and paying them off completely each month will help you build your credit score.

4. Your credit score did not get this way overnight and certainly can’t be corrected overnight. Once you begin to reduce your debt then you will notice improvement in your scores within 30 days. But if you have serious problems such as bankruptcies or foreclosures, you may have to wait until those negatives are deleted from your credit report.

Dispute any items on your credit report that are not yours or any reports of late payments when you paid on time. Any information over seven years old except for bankruptcies should also be disputed. Any accounts listed that were included in the bankruptcy should be reported that way but if they are not dispute them. The seven year clock usually begins 180 days after the account went delinquent. By correcting your credit report and working hard on following the tips given to improve your credit, you should say improvements in your credit score.

Paul Stone

23:20 22 Mar 22

I give Ovation Credit a 4 star. I would have given this a 1 star rating to be honest however i received assistance from a great employee that changed this to a 4 star review.I have been using the services for about 6-7 months. I have had 5 different case advisors plus my current one. Over these past 6 months i have gotten little to know communication or guidance from Ovation on my current credit situation. That was until i was paired with Ms. Jenna Wright. Ms. Wright has restored the faith i have in Ovation to get the job done. I explained to her everything that has transpired so far since using their services. She was very understanding and made sure she went over every detail of my case with me. Unfortunately we discovered that my files got frozen in transit. It took 6 case workers to finally catch that, so i was a little annoyed by this. Ms. Wright made sure to fix the issue while also rectifying the issue of payments to the company for services rendered, or in this case the lack there of. Due to the professionalism of Ms. Wright i am giving Ovation Credit another chance and the time to attack my credit situation the right way. I hope to see a better outcome and with Ms. Wright i have faith it can be done. Thank you!

Danae Thomas

23:29 15 Mar 22

Having worked with a very poor company that charged me thousands of dollars in advance and then abandoned me (along with many others) I was guarded as to what I could expect- but I also knew I needed help. The price of digging out of trouble is actually quite reasonable- remember that first- even with the monthly bite as the work continues. Ovation Credit Services has remained in close contact, provided excellent follow-up, and positive support, along with transparency of actions on my behalf. Ovation escalated my case immediately with my first contact, as I had active and pending court-dates- having Creditors with dripping-fangs already dangerously close. Doing my own due diligence, I verified with my Case Manager, Gerri S. on how best to proceed and successfully resolved the impending situation with a settlement. The remaining issues are severe, but not quite as urgent, allowing for more strategy and I expect very positive solutions. My credit rating has already significantly improved and I am prepared to do all that I can to keep digging-out while trusting that Gerri S. has my best interests at heart. The decision must be made- first to seek the solution and also to accept the consequences of the actions that moms and dads and grand-parents warned us against. That is: If you're going to Dance, the Piper will be paid. If a magic-carpet ride is your best solution, it won't end well, but Ovation Credit Services are certainly not to blame. I expect to have my Credit Nightmare resolved in relatively short order, but remember, I've been at this- personally- for three years before I reached out to Ovation and I wish I'd done that first. Don't forget, it took more than a few years to get in the pit, DECIDE to get out and deal with the costs. Respectfully, Dae

Lauren P Foland

14:30 25 Feb 22

If you keep monitoring things, stay in close contact with your dedicated account manager who's working on your case, you can get great results. If you sign up, ignore their emails or requests for info...don't expect things to happen quick. Highly recommend their work. My account rep was courteous and very on top of my case.

Emily Weaver

23:49 16 Feb 22

I've reached my goal! All thanks to Ovation Credit Lending Services. I called them when my fiancé and I wanted to start house searching, my credit was too new and not very high score either. They set me up and explained everything, fast forward 1year and 8 months later, my husband and I bought out first house in Nov. of 2021 and I am needing to save a little more money. I called and asked to discontinue any further assistance with them and they closed out my case with zero issues. I am absolutely grateful for their help and keeping me in the loop and making sure all of my information is up to date once a month with an about 5 minute call and done. Thank you Ovation Credit Services, I will be calling y'all again if I ever need credit assistance again.

delfina lopez

07:22 08 Feb 22

I have nothing but great things to say about Ovation Credit. Kevin Winkler, firstly settled any distrust I may have had by talking me briefly through the process and setting the expectation. I have seen my credit score increase immensely. Kevin dug deep to dispute credit issues that I had no idea existed. Everything has been handled efficiently and professionally. I am extremely satisfied thus far.

Yvonne Nutting

18:57 05 Feb 22

Ovation Credit Services was extremely helpful in cleaning up my credit. Thanks to the team, I'm now in the market to purchase a house less than a year from when I signed up with them.Everyone I dealt with was professional, helpful, and kind, and I truly appreciate all of their hard work. I will be recommending Ovation Credit Services to my friends.

Mildred Farrington

15:56 27 Jan 22

Paul Moore was very professional. Took care of business. Always contacted me concerning my credit score. I highly recommend Ovation Credit Services. Very pleased and thanks! Things are looking good 👍

Jimmie Howard

23:57 28 Sep 21

I have been with Ovation for about 30 days and these hard working and very personal yet professional team of people have made a major impact on my credit I would highly recommend them to anyone trying to get there credit repaired without all the gimmicks!!!!! Thanks again for a job well done.

Philip Vargas

15:01 28 Sep 21

Gerri Has been great to work with she has definitely helped me submit a lot of paperwork on the back end that needed to be done And Help me get rid of all the hard credit checks on my credit report. My credit score still hasn't gone up only because I do need to pay down to the 30% utilization But that is my fault. Will continue to work with Ovation to improve my credit.

Tina Fay

19:28 21 Sep 21

Ovation did a great job fixing my credit and made it go up a 100 points!! The best credit repair company I ever worked with!! 👍🏻

Michael Irving

20:50 03 Sep 21

This company is a company who is great at what it does. I am pleased and would recommend it to anyone. Their expertise is exceptional and my credit has improved tremendously.

Olymary Perez

22:29 27 Aug 21

I had the pleasure of working with Maria Santos and the level of customer service she provided is unmatched. She was patient and took her time to explain every detail and believe me I had a lot of questions. We need more Maria’s in the customer service industry!

Mariely Leon

17:10 27 Aug 21

Credit matters are always so confusing and stressing I felt that It was so hard to even start fixing my credit rating but since I have been working with Ovation Credit I feel a lot more in control of my credit. Within the time working with Maria Santos from Ovation Credit she has help navigate with a better understanding all the items affecting my score. She has been so patient and diligent providing me with all the options, that I honestly couldn’t be more grateful. I would highly recommend Ovation Credit to anyone, that feels overwhelmed and needing the same help I got. You won’t regret it!

Pepper Jack

22:43 10 Aug 21

No one likes talking about their credit when it needs help, but Ovation has made that process almost enjoyable. Thank you to everyone at Ovation for your professional support, and your prompt/responsive attention to my credit needs.I will strongly recommend your services to others in the future. Major kudos to Caroline and everyone that works on my account!!!

NB Barry

05:13 18 Jun 21

Well,I just signed up,so far so good.I’m cautiously optimistic.When I first called the guy who tried to sign me up was really aggressive,very turned off.I tried again and had a better experience.I really don’t have many bad things on my credit report,but will see if they can get these charge offs removed.Haven’t spoke to my case worker yet,Sheondra Wells,but looking forward to cleaning this up.I understand they say 30/45 days before we hear back from credit bureau’s,hopefully we can move this slow drip along into something wonderful.Fingers crossed.Let’s do this!!!N.B.

Jennifer Gaito

01:37 09 Mar 21

Miss Lewis is exceptional at working with you on repairing your credit. She explained everything I needed to know in a high detailed and professional manner. My credit has improved since using ovation credit repair so I highly recommend. Thank you Miss Lewis for being so knowledgeable and helpful throughout this process.

16:02 08 Mar 21

Very happy with this company. Ms. Vetta Lewis is exceptional to work with. She provided an amazing teaching of how credit works and navigated the best way Ovation is able to assist in fixing your credit. I highly recommend if you are looking to repair blemishes on your credit report.

Raymond Beguhn

10:14 14 Feb 21

Having been a former member of Lexington Law, I needed to find an organization that would work for me and not the other way around. I paid out a lot of money to Lexington Law and outside of a few items that they were able to take care of, they really did not do what I asked them to do. Bottom line, a lot of money wasted for practically nothing to show for it. My hope is that Ovation Credit Services can accomplish a lot more than their predecessors did. I felt that they could and would do just what I needed them to do. If Ovation Credit Services can do as they promised, my credit is in good hands.

Shammara Anthony

22:55 04 Dec 20

Ovation Credit really works in helping you achieve your goals. Corinne is an awesome case manager, her actions are shown in my monthly rising credit score. Sebastian is a phenomenal Advisor. He helps guide you towards your Credit goals. I’m a very Satisfied Client. Thanks Ovation Credit Service Team !!!

Atheldra Dixon

16:28 23 Sep 20

Awesome sauce! Only been with Ovation a couple of months and the results are 👍🏽 great. Almost up 100+ points and still going up. Thanks 🙏🏽 ovation you guys rock 😊❤️😜 Mtinsely thank you for your personal attention to my file. Looking forward to continued success 😊

Drew Ledford

16:43 07 Sep 20

I would personally like to thank and send big shouts out to Ovation Credit Services which is a Lending tree Company and two of its finest representatives Mr. Michael Hodgkin and Mr.Jeremy Ortiz for their hard work, persistence and undeniable thorough efforts in serving their company and their clients such as myself with credit repair. My credit score has climbed about 40 points in about 2 months which is amazing! Thank you Mr.Michael and Mr.Jeremy tell your bosses you deserve a raise! And if they want to know why tell them to call me!

Mr. Arne Pirkanen

00:44 27 Aug 20

Very informative, with no hassles with my requests. When my time is right I will definitely use their services.

Diana Hauss

17:11 22 Aug 20

I had Jamie Hill she is the GREATEST. On top of everything got back to me right away. Helpful n taught me alot. The saddest part of this is she fixed my credit n I moved on. I will truely miss her. I hope n pray anyone who gets her will b so pleased to have. God bless her n keep her safe. Jamie thank you for all you did. Diana

sharon douglas

14:00 14 Aug 20

I have only been working with Mrs. Monica Tinsley from Ovation Credit Services for less than a month and she has done a tremendous job on helping me. I am so appreciative and grateful for her services. I thank you from the bottom of my heart. You are very Professional at what you do. Again I truly appreciate your support.

Steve Dorsan

16:21 11 Aug 20

Ovation has definitely worked for me. In about 2-3 months, Ovation has helped me increase my score almost 100 points. They're a great company, sometimes slow with customer service, but I don't know if that's due to COVID-19. In all they have helped me get closer to my goal and I can vouch for their services.

Joanne Dembro

19:40 08 Aug 20

We've been with Ovation for six months. I have seen a huge difference in my scores. It's gone from mid 500 to high 600. I wouldn't have been able to do it myself, so we're very pleased. At first I was thinking money, then seeing the results, oh my, over the top happiness.

Danelle Lemar

13:55 28 Jul 20

Mike Hodgkins is great to work with, he's very responsive and professional. He's very attentive and provides great customer service. He literally walks you through the process and keeps you very well informed.

Kristie Virga

18:28 12 Jul 20

I reached out for ovation services when I wanted to get my credit in line to refinance my student loans. I had 2 negatives which was Impacting my ability to do this. Ovation worked very hard with and always updated me for a year. I was finally able to refinance as of this month thanks to ovation. It’s was well worth the year wait.

Linda Marie

19:56 12 May 20

They have done miracles for me. I had some unknown reports and also had a stolen identity issue and they work wonders. I highly recommend Ovation, they keep in touch, explain everything and are very affordable. If you have credit issues, do yourself a favor and call Ovation!

benito serrano

23:02 01 May 20

I've only been with them a few months and have seen over 100 point improvement on my fico score. They follow up regularly to give me updates. Definitely better than other services I've tried before.

Marc Clawson

15:34 22 Apr 20

They did everything that they said they could.My credit was ruined due to identity theft in 2017.I found out about Ovation Credit Repair called and they were very helpful and had a lot of information That I didn’t know. I explained everything and they said not a problem they could handle it and they did. The only problem I have with them is having to send them credit reports for what I paid they should find an easier way to get that accomplished like in a text or easy email but all and all they did exactly what they said they were going to do and I now have excellent credit. Thanks Ovation CreditMC

Joseph Miller

10:41 22 Apr 20

Great company to work with that will help remove creditors that shouldn't be on your credit. Ms.Susan McCoy has been so wonderful to with. (If you can request someone to work with you, I would request her!!) She keeps in contact with you by emails & phone calls to just check in to see how things are going & if she can help with anything else. She definitely does her part in helping get things removed from your credit report. It's only been acouple months working with Ms. McCoy, but we have gotten alot removed from my credit report. BIG THANK YOU to Ms. Susan McCoy @ Ovations Credit Services.

Elizabeth Valdez

22:21 31 Mar 20

Within 2 month's there has been negative items deleted from my credit report and my credit score went up some. This is a good company to help people that have items in there credit report that doesn't belong there. Monica Tinsley is my credit advisor, she has been helping me every step of the way. So come on you'll, give this company a try.

maria camacho-rojas

16:24 25 Mar 20

I just want to say how appreciative I am to Ovation. Maria Murlanda has been nothing but helpful and worked hard (still working hard) to help me reach my goal. My credit just increased 103 points! At first, I was bit uneasy about the process but having the patience and trust in my Credit Advisor is probably one of the best decisions I’ve ever done. Just an FYI, this is not done over night. My husband’s credit is also rising and we are steps closer to getting our first house together! Thank you so much Ovation for working hard for your clients and to Maria.. you are amazing!!!

Genocide Inside

22:37 06 Mar 20

I had a negative mark on my credit which was making it difficult to start building good credit as a young guy, and Ovation was able to remove my negative mark on every bureau's report fairly quickly. My case advisor Monica Tinsley was efficient, knowledgeable, and quick to answer when I sent her emails. She always made sure to keep the ball rolling on my disputes so that no time was wasted. I would recommend their service to anyone who would like a clean slate on their credit reports.

Serina Marie

08:43 30 Jan 20

I just want to say I am very very happy with this company as I used to have Lexington Law and they were a complete rip off no wonder they’re being sued if people don’t know. I have literally may not even two payments and my credit score has went from A little over 400 to 600 already and that is at the lowest plan they have available I was now able to be approved for a capital one card for $500 with a great interest rate they give you your own credit advisor always call you back if you need them and you can’t reach anyone at the time without this company and having a new baby on the way I would not have been able to finally start getting my credit back to where it used to be shot outs to ben, Paul And Cheryl my credit counselor. I would recommend this company to anyone and I have been because of them I’m finally getting my life back on track in such a short period of time it all depends on how much of course you have on your credit report that you need to have taken off but they’ve been excellent. Not only that they try to get things done as quick as possible so you don’t have to keep paying for a long period of time they really work hard for you and I appreciate everything they’ve done for me in such a short period of time. Thank you all so much!!!

Demetrius McDade (DCPS)

21:05 28 Jan 20

The case adviser was competent and professional. She is getting me back on track and is vigorously, restoring my confidence/credit back. She is assume and everyone who is trying to restore their credit back, should consult with her ! Her name is Annette Stephens and she is the best.

Ariel F

02:28 23 Jan 20

I joined for 4 months and they have been able to send disputes and get so many negative items removed raising my credit score over 75 points. I have seen my score jump up each month consistently. I would definitely recommend if you are trying to get on track with raising your credit score.

Charlot McKinney-Mobley

03:49 16 Jan 20

I signed up with Ovation in July I needed to get a car loan. I was turned down due to my low credit score. I in December of 2019 I was able to get a loan for new 2019 Camry. Love the service!!

stanley jordan

23:49 14 Jan 20

I’m very blessed to have Ovation Credit Repair to be working on my credit report. Less than 4 months my credit went from 500 to 653 and the progress is still going up. 47 more points and I can get that loan I’ve been trying to get. Thanks Team Ovation

Stanley Jordan

23:38 14 Jan 20

I got a email from Lending Tree saying that I am pre-approved for a loan. After learning that I had some credit issues, I got in touch with Ovation Credit Repair I had 5 negatives and 7 inquiries on my report. After being a client of Ovation Credit Repair, within 3 months my credit went from the low 500 to 653 and it’s still going up. Thanks team Ovation for the work you guys are doing and continue to do for me. TWO THUMBS UP!

Patsy Filippone

21:39 16 Dec 19

After having some issues that I considered to be very serious, Ovation Credit Services reached out to me and stepped up and not only fix the issues, but offered their services at a discounted rate for the future if I needed them. Christina is one of the best representative for a company than I have ever dealt with. Not only did she show personal interest in my situation, she followed through with everything that she promised. I'm very satisfied.

FADHIL HUSSEIN

22:14 12 Dec 19

I have had issues with my credit score, I asked around and friend of mine referred Ovation credit services to me with emphasis to ask about Susan McCoy to be my caseworker, Susan McCoy was nice, courteous respectful and the most important parts she is honest, she explained to me that she will file the disputes and I need to be patient, it could take a few months and she will do her best, well her best was amazing after two weeks of her working on my case my numbers jumped from low 600's to 750's, all the disputes went through, I was shocked, happy and forever gracious.Thank you Susan you are the best.

DEBBIE BRITT

22:07 05 Dec 19

In my previous line of work , I would refer people to credit repair places. I quit doing that because I would get bad feedback on the places . Life changes and I found myself in need of credit repair. Ovation not only fixed my reports but I still retain them a year later because they are spot on in watching and making sure nothing negative is put on there. I recently was a victim of fraud and Ovation called me to ask why so many inquiries recently? Very very pleased with Ovation!Kudos to my guy Nick. Patient man is all I can say ! Great company that gets results !!!Debbi Britt

Linda Lorvanis

14:39 25 Nov 19

I AM VERY HAPPY!!!! I was hesitant at first but working with Gerri as been a great experience, our communication is always open and prompt. Ovation Credit has shown me that It's never too late to establish and repair your credit. I appreciate you Gerri. 🙂 Thank you

Go Haard

20:33 11 Nov 19

Great customer service! Definitely recommend to anyone who needs service. Thank you Adam Coston, I appreciate you!

Ed Comfort

17:59 26 Oct 19

Susan McCoy is an amazingly kind and caring lady! She helped us navigate through a number of old debts thereby increasing our FICO score from low 400s to over 680 in under 3 months! We have now qualified for a 0% down VA home loan which will CLOSE less than 5 months after working with Susan. Our credit repair coalition with Susan ran flawlessly with absolutely amazingly quick-term resolution! There are no words to express the gratitude we owe to Susan and to her amazing resources within Ovation Credit. Thank you so much for all you've done for us!

Shadi Omeish

19:31 23 Oct 19

I was looking for a company to fix my score credit since there was only one late payment from almost 10 years ago and i did not know that was the reason pulling my score down. The process and communication was amazing and Jenny Owen did an amazing job. After three months my credit score is up ! even when i decided to close my account the process and follow up was amazing ! i would recommend Ovation Credit Services and Jenny Owen

# .

15:12 09 Oct 19

Michael Gunter

15:14 23 Aug 19

I've been a member of Ovation Credit Services for the past four months and overall my experience has been positive. Rose Marie has been filing disputes on my credit reports for the past few months and helped my credit reports return to a clean slate. I had one collections account reported to all three credit bureaus. Now, all of my credit scores are in the 700s and I can move on with my life. I certainly recommend Ovation Credit Services.

23:47 22 Aug 19

I've been a member of Ovation Credit Services for the past four months and overall my experience has been positive. Rose Marie has been filing disputes on my credit reports for the past few months and helped my credit reports return to a clean slate. I had one collections account reported to all three credit bureaus and I honestly didn't want to wait seven years for the collections account to fall off. Now, all of my credit scores are in the 700s and I can move on with my life. I certainly recommend Ovation Credit Services.

Faber Gutierrez Medina

17:56 22 Jul 19

I made the right decision by choosing to fix my credit with Ovation Credit Services. it’s only been a couple of months, however, great progress and bettering each month forward. my selected Case Advisor, Monica Tinsley has been extremely helpful and proactive at sending out disputes and getting bad remarks off from my report. thank you so much for your help. highly recommend.

Natalie Logan

14:57 11 Jul 19

Extremely helpful service to improve your credit score. The people I have spoken with over the phone have all been thorough and effective in helping my credit score. I would recommend them to anyone looking for this type of service.

Valerie Romero

20:00 08 Jul 19

I started with Ovation Credit Service back in 2017. I was in need of getting my credit back on track, within months I saw my credit score on the raise. Now in 2019 I feel confident with my credit. Ovation was so easy to work with and the monthly payments which were quite reasonable, were well worth it. So if your feeling that there is just no way of getting your credit repaired call Ovation Credit Service and feel good again about yourself and your credit score. Get your credit repaired and your life back on track. Don't hesitate they can help you.

Michele Soplata

19:37 08 Jul 19

I first want to say how happy I am with Gerri. We have had a lot of laughs together which has made me feel very comfortable with her. We are now down to one credit bureau and I am so grateful. It is perfect timing because I am looking to move to Santa Rosa to be closer to my son. I would give her a 10 on a scale of 1-10 or 5 on a scale of 1-5. Thank you Ovation Credit Services I will recommend your services to other people. Thanks, so much Michele Soplata

Richard Wells

17:29 22 Jun 19

I am extremely happy with the service that I received from Ovation Credit. My credit score jumped over a 100 points in only eight months, and I was able to get the loan I needed to consolidate my debts at a much better interest rate. Everyone overseeing my case was friendly, knowledgeable and stayed in consistent communication with me. I would definitely recommend this agency!

Queen Plummer

13:26 18 Jun 19

Thank you so much Annette. Very warm to talk too. Knowledgeable and patient. She explains everything to me and guiding me through. Awesome service.! 😊

13:25 18 Jun 19

Brian Balczak

19:49 13 Jun 19

I am very happy with the progress Ovation is making on my credit score so far. Only 3 months in and they have had more than 15 negative reports removed from my Credit Report. I started with a FICO score of under 620 and after 3 months it is over 670 and still potential to climb. Special thanks to my Case Adviser PAUL MOORE JR., who is doing a great job leading me through this journey and providing excellent advice and tips along the way.

Austin Knight

05:35 13 Jun 19

I am extremely happy with the service that I received from Ovation Credit. My credit score jumped! Nick Rosamilia is absolutely AMAZING! He has been nothing but friendly, knowledgeable and stays in consistent communication about updates. I would definitely recommend this agency!

Meagan Parks

17:55 30 May 19

I am extremely happy with the service that I received from Ovation Credit. My credit score jumped almost a 100 points and I only had the service for two month! Paul Moore was absolutely AMAZING! He was friendly, knowledgeable and stayed in consistent communication with me. I would definitely recommend this agency!

Lori Limón

03:56 18 May 19

After reviewing various companies that could help us improve our credit scores, we were lucky enough to find Gerri at Ovation Credit Services. From the first phone call, we knew we were in good hands and she was really going to make a difference in our lives. Finding someone who you can trust and is sincerely help you with this sensitive subject is a huge relief. Things are already improving and the entire process is made a million times better working with someone who has a smile strongly come thru!

Win King 77

19:40 04 May 19

I had an incredible experience with Ovation Credit Services. I was able to purchase my first home with their assistance. My counselor worked diligently to keep me informed about the progress with my case. She also educated me about the most effective ways to continue to increase my credit score.

Chris Mitchell

22:12 15 Apr 19

Ovation went all out to help me save my credit rating, and did a great job of restoring my rating to a very high level. I would and have recommended this company to anyone . My hat is off to L.A. Williams especially for her efforts to help me out of a deep hole. Thanks again

Christine Boyle

17:01 15 Apr 19

My husband and I are preparing to buy our first home and wanted to our credit reviewed by professionals. We did our research and found Ovation best suited our needs. Best decision we could have made. We were lucky enough to get Dale Moore as our counselor and hope that you go the extra mile and try and request him. Dale makes you feel like you are his only client which in today's world is very rare. We are happy to say that our credit scores are hugely improved and are on schedule to buy this summer. Thank you Dale and thank you Ovation!!

joshua gauntt

20:55 27 Mar 19

When I first started my subscription with this company I was a little hesitant but after six to eight months my credit score went from a 520 when I started to a 700. 90$ month is a little steep but they actually work if you have patience and send them all the information they ask for they will do exactly as they promised I highly recommend this service if you can't get your credit fixed

Sandra Evadne

18:00 27 Mar 19

Jenny is very helpful. Everytime there’s an update on my account she emails me. Whenever something happens whether she s making an inquiry or the credit companies update her she lets me know. Looking forward to seeing my credit score rise as I’ve only been with them a month. So far everything is going good.

Ed A

22:56 24 Mar 19

Amazing service! They do exactly what they say they are going to do. I was able to get loan I was trying to get. Friendly and helpful customer service. I would recommend to everyone I know.

Darla Watrous

11:56 10 Mar 19

Ovation credit services a Lending Tree company has been such a blessing to me. My personal creditor Chad Self, has gone the extra mile in being personable and kind to me. I would like to point out that I had hired a different company in the past for a lesser rate and got exactly that... a cut-rate service and did not feel like I was a valued member.With Ovation, I feel like my investment is worth so much more than the monthly dues. Not only do they help repair negative items on your credit but by partnering with Lending Tree they can help you establish credit and qualify for loans as well. More bang for your buck folks! As well, they have a referral program. So be sure to tell them that Darla Watrous sent you. I'm serious folks, best credit decision I've ever made! As well as the top of the line customer service. Every time I hang up the phone I feel like I just spoke with an old friend. The saying is true, "You get what you pay for!" Thank you kindly to all involved in handling my case. I know if they can help me they can help you too. Don't forget to use my name and tell your friends.

Ruth Benardo

20:20 28 Feb 19

So far Ovations has been very good at letting me know what's going on with my accounts. Paul Moore Jr has been very helpful with all my questions and concerns. I am very happy with everything that has been done. Ovation is helping me achieve my goal of buying a house and I am very confident that they will do that.

Richard Fischman

15:45 16 Feb 19

My case adviser Rose Marie is absolutely incredible. She is extremely through. Under her expertise my credit score increased an amazing hitting over 700 which allowed me to purchase 2 new cars at low interest rates. Thank you Rose Marie and Ovation Credit Services for a job well done!

pamela Smith

21:41 31 Jan 19

I can't express how happy I've been with Ovation. I feel like Paul is my personal cheerleader and he is as happy as I am every time we make progress. I would recommend Ovation (and Paul) to anyone!

kevin mauldin

11:28 04 Jan 19

I started out being skeptical about this company even after doing my research on this company, but i hung in there, stayed patient and followed their directions and it paid off tremendously. My credit score has risen and i can see the results from my credit score and i was very pleased with the staff and my case advisor who has helped me gain the credit power that i wanted and needed. I couldn't have done this so thoroughly on my own, it would have been very time consuming for me. Now that I have ended my membership with ovation credit services, I can move forward on my own and apply all the techniques that i have been taught by this company. Thank you all at ovation for changing my financial credit ability to a positive.

David Kamara

23:18 20 Dec 18

Thanks to Ms. Lou Ann Willams , my Ovation experience has been a joyously memorable one. I am thankful that she has and is continuing to help me attain my goals with credit. She provides the utmost motivation and dedication to her clients and allows her results to speak for her work, and they are magnificent. Ovation Credit Services has been not just a credit saver but a life saver too. Thank you Ms. Lou Ann, Thank You Ovation. Keep up the phenomenal work.

Kirby Guinn

22:32 10 Dec 18

This by far has been one of the best experiences. Mrs. Stephens has (A. Stephens) been there always to either answer a simple question or walk me through this process. I would recommend this company to anyone who needs a little love on their credit.

Marquita Lawrence

19:55 07 Dec 18

I have been working with Mr. Paul Moore via Ovation and he has been very helpful and keeps me abreast of whats going on. I am still nervous about my credit clearing and getting to where it needs to be because I am in the process of buying a home and have seen my score decrease due to this process. However, Paul has assured me that all is well and my score will increase and things will get back to normal. I am looking forward to seeing a positive end result.

rhonda7wilson

22:34 06 Dec 18

Hello all, since 10/2018....my credit was in the 500 range..I was skeptical about ovation, but after speaking with Mr. Paul Moore. I am now looking forward to better days, Ovation has disputed several items and inquiries. I now have a credit card and my scores are rising, I highly recommend this service to Restore your credit. The best hands down!!!!

A Google User

13:03 06 Dec 18

I just want to thank Paul Moore for always staying in top of improving my life.. thank you for keeping me calm all through the process for a better life. Love y’all keep up the good work.

Brenda Dominguez

21:52 29 Nov 18

So happy with Ovation!! :)Kevin Winkler is my case manager. I am so pleased with his efforts and hard work. He is always kind, friendly and answers all my questions. Keeps me well updated with the status. I am very satisfied with the progress. I highly recommend this company.

Jessie Jarrell

17:01 29 Nov 18

I can't believe how quickly my credit score skyrocketed thanks to ovation credit services. They promptly replied to any questions I had and made it a very easy experience for me. Ceiria was my agent and she did an excellent job and was friendly and professional. Thanks!!!

Tracy Canup

15:12 28 Nov 18

Over the last two months with the help of Ovation, I have increased my credit score over 100 points on all 3 bureaus. I went from no way ever being able to get a loan to actually being able to replace my 13 year old vehicle and possibly buying a house. It also took effort on my part but it has been the best decision I could make.

Susan Reed

12:40 16 Nov 18

This company is great! It certainly is NOT TRUE that this company is a scam...Geri is working hard for myself and my partner. They really get things removed off your credit and help you get started to rebuild it by recommending things for you to do. I had alot of medical bills and student loans. I highly recommend this company, its amazing!!!! You won't be disappointed, and there are different payment plans, you even get a discount for friends and family....Give it a try.... You do have to be patient, it is a process and it does take time...

12:27 16 Nov 18

This company is great! Geri is working hard for me and my partner. They really get things removed off your credit and help you get started to rebuild it... I highly recommend them to anyone, amazing!!!! You won't be disappointed, and there are different payment plans, you even get a discount for friends and family....Give it a try.... You do have to be patient, it is a process and it does take time...

Sharon O'daniel

23:55 15 Nov 18

I love this place they're doing their best to get my credit situated and they are working extremely hard on this. Yes it does cost money but it'll be worth it in the end if they can get my credit cleared up. I'm going to give them 3 months and if they don't get it cleared up in 3 months then I will cancel it I don't think it should take any longer than 3 months to clear up my credit. Everyone is so helpful and nice friendly and always there to help you.

Josh Stepp

20:51 14 Nov 18

Very happy with Ovation! Amanda Hines is my case manager and she has been extremely diligent in the handling of my case. They are always available for questions and pleasant to deal with and have worked miracles on my credit score! 5/5 would recommend to anyone who is serious about fixing their credit.

michael sanchez

19:45 14 Nov 18

Ovation did such a great job for me . I would highly recommend their service . They repaired my credit history quickly at at a very nominal cost . 5 stars all the way .

Jeff Knudtson

19:33 13 Nov 18

Ovation is the real deal. They really helped me get back on track and made a huge difference in my life and finances. Highly recommended.

Jermaine Watson

20:49 12 Nov 18

My wife and I started in 2016 and purchased our second house this year. The key to our success was patience. We also did a lot of studying on our own about credit and made it our priority to ask Amanda questions. Any responses we get in the mail we send them to Amanda. I will be honest, I was getting frustrated after a year and asked my wife to cancel the service several times, I'm glad she didn't 🙂 . We still have some negative items, but mainly just student loans. We used Lexington Law in the past and they have a pretty nice portal so I'm giving this company 4 stars, they need to update their online portal, I don't like it, but other than that Ovation Credit, Lendingtree did what they said they would...Help us get a house with a low interest rate!

Kathleen Robst

16:28 12 Nov 18

They really helped us and the employees were very helpful and considerate. It’s a process but we’re on our way thanks to them.

Elaine Whited

16:15 12 Nov 18

Comprehensive positive support in correcting and updateing credit situation. Very effective and informative.

Amanda Miller

04:56 18 Oct 18

While, Ovation credit, did nothing for my credit personally, they helped my husband's immensely. He has a fabulous credit rating now. We both have since canceled, I am under my maiden name on this review, so you will not be able to find me. But my husband and I canceled a month or so ago, and they instantly got us all squared away, and were not charged another penny. They work for some and not for others. I guess I can say that about many things. I would recommend giving them a shot...

Jay Edgar

05:52 22 Aug 18

Ovation cleared out my credit problems in a very timely and professional manner. Highly recommended!

Javier Talavera

22:38 12 Aug 18

This is the best Money that I ever spent . They are just awesome and for half the price of the competition.

Chris Beal

16:16 06 Aug 18

I had such a great experience with Ovation Credit Services. They were able to clear almost every negative mark off my credit and t went from a 395 to 650. I know it will keep going up if I pay bill on time.

Brittany Hagen

17:51 08 May 18

I’ve been using ovation since 5-01 and it is now 5-08 and I’m getting emails from my credit report site saying “your score has improved” I’m up 40 points (yours will vary) and so thankful for ovation and how quick they are!! My consult is awesome my free consultation was super quick and they are so friendly i never thought i would get a quick laugh in over repairing credit. I can not wait to see how high i can get my credit with these people. They even offer discounts to your friends and family for referring them!! I can’t wait to take advantage of that

hrtthgd gdffgfhx

17:07 12 Mar 18

Ovation did a good job for me. They were prompt with all actions designed to help my credit score. Ovation communicated with me on a daily basis. They were professional and very nice folks. Thank you very much

Bethany Blanton

03:34 13 Feb 18

I have been working with Gerri Swiber for a short time and so far am very pleased with this experience. She has already dedicated a lot of work to helping me and I am already beginning to see some results. She is very professional and I am very thankful to have this program to help improve my credit. Brian Hasty

Jesse James

18:26 19 Jan 18

I didn't believe that it could work especially with all the scams out there, but it does work. I signed up last year in January and since then i have had 42 things on my credit either removed or updated to show correctly on my credit report. I now have 3 credit cards, and will be purchasing a house this year!!!

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