In-Depth Analysis

Ovation Credit Repair Review

Advertiser Disclosure
Written By
G. Dautovic
March 07, 2022
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

Remember when picking out a house or a car was more complicated than getting the financing you need to actually purchase them? No? Us either. Nowadays, banks control everything – our living arrangements, modes of transportation, education, and even our employment options. They require us to maintain a decent credit score in order to get the basics in life, and mistakes are rarely forgiven. So, what are we to do?

Companies like Ovation Credit Repair can grant you a do-over, a fresh credit history unburdened by your past errors. Learn more about Ovation’s credit repair services below.


Free evaluation: Yes

Visit Website

Fortunly Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Speed of service
Same-day service
Free evaluation
BBB rating
Years in business
Customized service
pros thumb up Strengths
  • Highly experienced
  • No-Risk Refund
  • Reputable company
  • Five discount options
  • Personal case advisor
  • Same-day solutions
  • Affordable basic package
  • Free consultation
pros thumb up Weaknesses
  • No 24-hour customer support
  • Pricey second-tier plan


With the decline of the economy, it’s hard to find a business that’s managed to stay afloat for a decade or more. Ovation Credit Repair’s beginnings can be traced all the way back to 1975.

Since then, the company has gone through several changes, such as being incorporated in 2004 and bought by LendingTree in 2018, but it has, nevertheless, maintained its exemplary standard of service. Proof of this are its A+ BBB rating, and 4.6 Trustpilot score.

Ovation Credit Repair and LendingTree make for a good combination as they are both well-renowned in their chosen fields. Their business operations are similar as well. LendingTree is an online marketplace that provides its customers with the best deals on loans, credit cards, insurance and more, while Ovation specializes in credit repair, education, and monitoring.

Unsurprisingly, Ovation Credit’s second partner is also in the finance industry – TransUnion. TransUnion is a credit and information management company. As you can tell, Ovation’s choice of partnerships is not a coincidence. They are both reputable businesses that offer the same level of attentiveness as Ovation when it comes to their customers’ financial needs.

Ovation Credit was founded by lawyers, which has most likely contributed to its success. After all, if you’re going to tackle something that requires a solid amount of legal knowledge, such as credit restoration, but you don’t want to spend a lot of money on a legal firm, Ovation would be your next best choice.

How does Ovation Credit Repair compare to other credit restoration services?

Ovation Credit Repair Logo
Ovation Credit Repair




The Credit People Logo
The Credit People



Yes Logo




What You Can Expect From Ovation Credit Repair

Before making a single payment, you have the right to a free credit consultation with one of Ovation’s professional credit analysts. They will review your credit reports, tell you where you stand credit-wise, and inform you if you’d benefit from one of Ovation’s credit rebuilding programs. Those who decide to prolong their cooperation with Ovation will have two membership plans to choose from.

The Essentials plan includes:

Personalized dispute options – Any inaccurate, incomplete, or negative information on your credit report will be disputed per your request.

Personal case advisor – Ovation Credit will assign you an expert advisor, who will guide you through the credit clean up process.

Financial management tools – These tools play a crucial role in your journey to a debt-free life. You can use them to repay and calculate your debts as well as build a budgeting plan.

The Essential Plus plan, as the name implies, adds the following services to the Essential Plan:

Unlimited validation letters – If you’re not sure that a debt belongs to you or you suspect that the statute of limitations has expired on it, you should definitely look into the matter. A debt validation letter is a way for you to request proof from your creditor that a debt is valid. With Ovation Credit services, you can have as many of these letters as you want sent on your behalf.

Unlimited goodwill letters – Goodwill letters are a way for you to ask your creditors to conduct a goodwill adjustment. In other words, you count on their generosity to remove certain unflattering events from your credit report. This is another Ovation service that you can use an unlimited number of times.

Official recommendation letter – Say you’re in a bind and you need someone to put in a good word for you with potential lenders, Ovation Credit can vouch for you.

TransUnion credit monitoring – Keeping close tabs on your credit report sometimes isn’t a matter of preference. It can be a crucial part of a serious credit repair endeavor, but with Ovation you don’t have to worry about it. As an Ovation Essentials Plus member, you receive alerts whenever there are changes to your TransUnion credit report or if there’s a chance of any fraudulent activities occurring regarding your credit.

Additional Services

This credit repair company doesn’t offer any separate à la carte services. If you’d like more than what is provided with the Essential Ovation plan, you can upgrade to the Essential Plus option.

Credit Education

The comprehensive Education Center can be regarded as a nice addition to Ovation’s already impressive credit repair programs. Knowledge is power; therefore, the more you know, the better prospects you have of boosting your credit score and maintaining it. By going onto Ovation’s website and reading through some of the various articles, you might learn some useful money-saving, mortgaging, or credit-building tricks.

You can explore the Education Center by entering the topics that interest you into the search field or by scrolling down the ‘categories’ list. No payment or Ovation Credit login is necessary for accessing this valuable information.

Price, Guarantees and Discounts


The two Ovation plans are averagely priced compared to other credit restoration companies, but they offer above-average value. Both packages have a one-time-payment first work fee of $89. The Essentials plan is suitable for anyone in need of standard credit help and costs $79 per month.

On the other hand, the Essentials Plus plan is devised for people who might require a more extensive and aggressive approach to credit reparation and are willing to pay $109 per month for extra services and faster results.

It’s reassuring to see that the many Ovation credit repair reviews on Google are brimming with stories of positive experiences from customers highly satisfied with the assistance they’ve received for a reasonable amount of money spent.


Refreshingly, Ovation is one of the few credit repair companies that doesn’t guarantee specific results. Although that may not sound like a good thing, it’s the most honest statement any credit fixer can give you.

Raising your credit score can, depending on the issues present on your credit report, take a varying amount of time and effort. Even then, all the moving parts involved with your everyday finances could prevent a credit service from creating a significant impact on your score.

As one of the best credit repair services in the industry, Ovation will not lure you in with false promises. On the contrary, a professional advisor will tell you straight away what the company can and can’t do for you. If for any reason Ovation is unable to help you in the agreed-upon manner, you will not be charged for the month in question. You are also free to extend or cancel your membership whenever you like.


Ovation might have the most discounts we’ve ever seen from a credit service. We’ll quickly go over all of them, and we recommend you take advantage of at least one of the five that are available.

The Competitive Upgrade

Ovation Credit Repair believes in providing its customers with the best credit repair help possible, and who else would it trust more than itself? Every customer that has been a client of a different credit repair provider in the last 12 months will receive $50 of credit intended for your monthly payments.

To receive this credit, you just have to send Ovation any kind of proof connecting you to your previous credit restoration service. You’ll be able to do this after you’ve signed up.

Tell a Friend

When you like something, like perhaps a certain reputable credit repair company, odds are you will suggest it to your friends, so you might as well get rewarded for it. Once you tell your case advisor, you will get $30 of credit for every person and $50 of credit for every couple you refer to Ovation.

Couples Discount

Unlike the couples discounts that other credit firms offer, this one doesn’t require the two people to be an actual couple. To get 20% off for each participant, couples, friends, or family members just have to sign up together.

Military Discount

Both retired and active-duty personnel can submit their valid military IDs to Ovation Credit Repair for review, and a 10% discount will be applied to their monthly fees. This discount can not be paired with the couples discount.

Senior Discount

All clients 65 years and older are eligible for a 10% discount on their monthly billing. This cannot be applied together with the couples discount.

Speed of Service

Turnaround Time

Ovation doesn’t specify how long its credit clean-up process takes. This is in line with its refund policy based on customer satisfaction and not false assurances. Most Ovation Credit Repair reviews state that they’ve seen improvements after only a month or two.

Ovation’s same-day service is probably behind such fast results. Ovation’s analysts and case advisors are committed to finding the right solution to your problems within a single day, thus speeding up the process of sending your credit disputes.

Customer Support Responsiveness

Unlike most of its competitors, Ovation doesn’t have 24-hour phone support or live chat options. However, professional staff is quick to pick up the phone during work hours Monday through Friday from 8 a.m. to 9 p.m. and Saturday from 10 a.m. to 4 p.m. You can also reach them by email and expect a fast response.

Bottom Line

When looking up the best credit repair companies, you will inevitably come across Ovation. It’s an honest company with many years of experience that is extremely customer-oriented.

The pricing is transparent, so you won’t encounter any unpleasant surprises while signing up. The second-tiered package may seem a bit pricey to some, but it offers a lot of quality services as justification for the $109/month. One of the several discounts available could be a way for customers with a tight budget to afford it.

With the aid of one of Ovation Credit’s experts and the Ovation Credit help and education center, barring the unexpected, you have every reason to look forward to a rehabilitated credit history and improved credit scores.


How long does it take to rebuild bad credit?


It varies from person to person, mainly depending on the number of negative marks that need to be removed from your credit report. The process of rebuilding bad credit can last between one and six months. It will usually take longer if you decide to do it on your own, without the help of a credit repair agency.

Do credit repair services actually work?


Yes, legitimate credit repair companies do. They’re a good option if you want to save some time and make sure that you have all your bases covered. Some companies might not be to your liking, while others might have concerningly low customer ratings, so take your time picking out the right one.

How much does credit repair cost?


Most credit repair services charge between $69 and $129 per month, and sometimes you need to pay the setup fee as well. You can do it yourself for less money, but that takes time and effort. So, weigh your options carefully.

What is the best credit repair company out there?


Ovation Credit Repair, Sky Blue Credit Repair, and Credit Saint are among the best in the credit repair business. We suggest going onto their websites and selecting the one that fits your specific needs. You can’t go wrong with either of them.