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BBB Archives | Ovation Credit Repair Services

Credit Repair: How Can You Tell The Good From the Bad?

By | Consumer Rights, Credit Repair, Fraud Protection

It’s a jungle out there! The following list identifies a few things you should consider when selecting a credit repair company:

1: Does the company identify their owners/attorneys, or addresses?
Unfortunately, the internet allows many scammers to appear as legitimate companies through legitimate looking websites. Before you give your hard earned money and personal information to anyone, make sure you can verify the company’s information and credentials. You can verify Ovation’s information from a number of independent sources including the Florida Bar, the Florida Department of State, and the Better Business Bureau.

2: Does the company have significant Better Business Bureau Complaints (or are not even affiliated with the Better Business Bureau)?
While any company can accrue a few random BBB complaints, significant number of complaints may be an indication that the company does not operate fairly towards its customers. Check BBB reports frequently and avoid companies that manage to accrue hundreds of complaints. To check for complaints, visit www.bbb.org and click on “Go to Local BBBs”. Question any company that chooses not to be affiliated with the Better Business Bureau; they may be trying to hide the truth about their organization. Our history with the Better Business Bureau dates back to 1976.

3: Does the company request fees in advance?
The Credit Repair Organizations Act (CROA) requires that credit repair company charge for services only after they are  rendered. Requirements for large upfront payments are tell-tale warning signs of unethical companies. We only charge for work that has been completed in full. Learn more about the CROA in our Learning Center.

4: Does the company disclose your rights?
Consumers have the right to conduct their own credit report repair. You don’t have to hire someone to do if for you. For those that do, Ovation offers its services to individuals seeking legal professionals to manage their credit report repair. Ovation discloses your rights to you on every page of our website as well as in your signup package. We want you to be informed and you should steer clear of any company that doesn’t want you to know your rights.

5: Does the company advocate illegal tactics such as creating “new” identities?
Creating a new identity by applying for a Employer Identification Number to merge or replace a social security number is a serious crime and can lead to significant personal liability. To learn more about this type of illegal credit tactic, visit our Learning Center.

6: Does the company advocate fraudulent reporting of credit lines?
Purchasing a listing on someone else’s credit lines for the purpose of reporting a positive account is unethical at best. Trying to con the credit bureaus and your future and current creditors is a significant issue that can lead to personal liability. To learn more about this type of illegal credit tactic, visit our Learning Center.

7: Does the company simply dispute all your negative items without requiring any input for the client?
Regardless of how they market themselves, this is a key indicator that the company is a “rookie”. Not only are these types of companies violating federal law by disputing on your behalf in bad faith (which could lead to personal liability), these companies are making it more difficult for you to achieve sustainable results. To learn more about this type of illegal credit tactic, visit our Learning Center.

Who Is The BEST For My Credit Repair?

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

When it comes to repairing your credit report you need to do some research.  You want to know: who you are working with, what services they provide, what kind of guarantee they have, what your responsibility is during the process, how much it costs, and how long it generally takes.

I can tell you all of this for Ovation Credit Services. Ovation Credit Services is an attorney run business that started in 2004.  Our administration is made up of several people that have been in the industry for over 10+ years.  Before we ever took on clients we made sure that we had a staff that was fully trained and knowledgeable in credit repair, credit reports, the credit bureaus, the FCRA (Fair Credit Reporting Act), and CROA (Credit Repair Organization Act). We made sure that we had a strong foundation for our clients to rely on by providing the following:

  • Excellent customizable programs for every consumer
  • Staff that always answers the phone so our clients do not get voicemail during business hours
  • All emails are returned within 24 hours
  • An excellent sales team in place to answer all questions and provide Free Credit Consultations
  • Different discounts so all consumers can afford our services
  • 100% Service Guarantee
  • No-risk refund policy

Ovation’s programs are based upon extensive research of consumer credit laws, experience with credit bureau and creditor tactics, and persistence for our clients. Our programs are 100% legal and have helped tens of thousands of Americans correct and update their credit profiles resulting in higher credit scores. We currently offer two program choices to address your particular credit needs; Essentials and Essentials Plus. To learn more about these programs, click on the link to read all about our programs, add on options, and discounts. http://www.ovationcredit.com/services/services.php

Our service guarantee and no-risk refund policy were put into place to protect both us and our clients.  Our service guarantee is very straight forward. During any month, if we fail to provide the agreed upon services, we will not charge your Monthly Fees for that month. It’s as simple as that! We stand behind the quality of the work we do for you, and it shows. If you feel that something was not done on your case, you can ask for a refund at any time as well. Also, understand that each case is different, and results will vary upon the specific issues contained on your credit reports. They will also vary based upon the amount of time you are willing to commit to your credit report repair. As such, Ovation Credit does not and can not guarantee specific results.

As a client of Ovation Credit Services you are expected to participate in your credit repair process as well.  As you commit your time to your case it will show as you receive results back.  Generally, clients that participate more get better results.  Once you are a client you agree to do the following: provide your 3 credit reports to get started, send us any additional information that is required or necessary for us to dispute for you, and forward all correspondence from the credit bureaus, creditors, and other related services.

With Ovation Credit Services you get more for your money. Right now, you can get signed up with Ovation for only $60 for an individual and $96 for a couple.  Thirty days after you sign up, you start your monthly billing.  Our monthly prices are: $37 for Essentials and $57 for Essentials Plus – for an individual.  For couples, it is $60 a month for Essentials and $92 a month for Essentials Plus. To customize the programs even more you can add on Identity Optimization and/or Fast Track for $25 each. Click on this link to learn even more about our programs and add on programs: http://www.ovationcredit.com/services/services.php

As you work with Ovation Credit, you will see that we work hard to get our clients the best results possible, as quickly as possible.  On average our clients are with us 6-8 months and receive 19 improvements.  We are also the ONLY credit repair company in the United States that disputes directly into TransUnion’s system.  With this new program our clients receive their updated credit reports back from TransUnion via email and usually within 2-3 weeks each time we dispute instead of 45-60 days.

As you can see, there are A LOT of reasons that Ovation Credit Services is the BEST! This is also why we are an Accredited Business with the Better Business Bureau and have an A Rating.  So, come and join our family by clicking on the sign up page and get back to a BETTER financial future! You can also call one of our Credit Analysts at 1-866-639-3426 option 2.

If you have a question for our Credit Expert Kristi Thornton, send an email to [email protected]

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