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Ovation Credit Review: Reputable Credit Repair Company?

Written by Mike Pearson
Updated September 22, 2022

This is an in-depth review of Ovation Credit.

In this up-to-date review, we’ll break down:

  • Who Ovation Credit is
  • How much Ovation Credit costs
  • Ovation Credit’s refund policy
  • Things we like
  • Things we don’t like
  • Whether they’re worth the price tag
  • Lots more

Let’s get started.

Ovation Credit Services review at a glance

Ovation Credit Pros

  • A+ BBB rating. We couldn’t find too many complaints on their Better Business Bureau profile, and the ones we did find seemed to not understand their price structure. Having an A+ accreditation from the BBB is a big deal.
  • Mobile access. We always prefer the companies with free mobile apps—it helps you keep better tabs on where your credit is headed and makes it easy to communicate with the company.
  • Identity optimization. This is an add-on feature you can buy for a one-time fee of $25, and is perfect if you have had issues with fraud or identity theft in the past.
  • Fast processing. If you purchase the Essentials Plus plan, your documents will be processed the very same day.
  • Personal case advisor. You’ll have one person assigned to you to help you through your credit repair process and offer more personalized attention.

Ovation Credit Cons

  • Very few customer reviews. While not having too many negative reviews is a good thing, they also don’t have a lot of positive reviews. We were hard-pressed to find a ton of customer feedback, and they don’t offer customer reviews on their website like their competitors do.
  • No online signup capability. The only way to contact Ovation initially to sign up is by phone, which can be a deterrent if you are more comfortable with email or online forms.

Who is Ovation Credit Services?

Ovation Credit is a Jacksonville, FL credit repair company owned by LendingTree that’s been around since 2004.

They work with their customers to help restore credit scores and build solid credit profiles, and their trained financial staff has the knowledge and expertise needed in this field, making them a solid option in the industry.

For more than a decade, Ovation Credit has been helping tens of thousands of customers repair their credit and gain a firmer financial foundation.

How much does Ovation Credit cost?

Ovation Credit costs between $79 per month and $109 per month, depending on which plan you sign up for. You’ll also pay an $89 signup fee for either credit repair services plan. 

Note that all Ovation credit repair and monitoring services require a free credit consultation before signing up.

Essentials Plan ($89 First Work Fee, $79 Per Month)

The Essentials plan includes everything most clients would need for credit restoration.

With this plan, Ovation Credit will lead you in the dispute process for each item on your report that you feel is inaccurate or misleading in any way. 

You’ll also get a personal case advisor who will guide you through this entire process and give you practical advice for improving your credit. And along with that service, you’ll have access to their financial management tools.

These give you everything you need to build a budget and pay off debt

Essentials Plus Plan ($89 First Work Fee, $109 Per Month)

The Essentials Plus plan is Ovation Credit’s most popular plan—it contains everything the Essentials plan has, plus a few other helpful features for the person with more challenging or complex credit issues.

With it, you’ll get unlimited challenge validation letters, which are fully customized and proven to be effective at getting many items removed from credit reports. They also send out unlimited goodwill letters on your behalf which may address incorrect items or simply request they be removed as a courtesy. 

Additionally, you can receive a recommendation letter signed by their staff attorney that could help you with future lenders. And finally, the service includes TransUnion credit monitoring with alerts to changes that affect your credit report, which can help prevent identity theft as well as let you know when items are removed.  


Ovation Credit offers some discounts you may be eligible for.

Couples can receive a 20% discount to work on their credit together, and if you’re switching over from one of their competitors, they’ll give you a $50 credit.

In addition, they offer a 10% discount to senior citizens and military personnel, as well as a $30-$50 referral credit.

What does Credit Ovation do?

Credit Ovation works with you to clean up your credit and improve your bad credit score.

To begin with, you’ll get a complimentary review of your credit reports and financial history, and a professional credit analyst will advise you about how they can help you and which package you might need for your particular situation.

Then, if you do decide to sign up for their program, you’ll be assigned a personal case advisor to work with you throughout the process. At this point, they will activate your personal online dispute manager portal and start discussing your potential disputes.

Filing credit disputes

Their electronic system then goes to work submitting your initial disputes with the credit bureaus for you—you can view your progress 24/7 through your online portal. You will also get email updates from your advisor each time a change is made to your credit report.

If you signed up for the Essentials Plus plan, your advisor will also be sending out challenge validation letters and goodwill letters to your creditors. They’ll also monitor your TransUnion credit report and provide you with a recommendation letter at your request.

At the end of each cycle, Ovation Credit will send out another round of disputes, and they will escalate the process if you paid for the Essentials Plus plan.

Creating a plan to optimize your credit

Working with your credit analyst, you’ll also devise a high-level plan to best optimize your credit for the long term.

The idea behind this plan is to set the groundwork for building up to a great credit score in the future, which can help with getting access to the best interest rates for loans and credit cards.

Ovation’s financial tools—including budget building and debt payoff—can help you make the best use of your credit.

Credit monitoring

Ovation Credit also offers credit monitoring services so you can check for credit report inaccuracies and signs of fraud before they damage your credit score.

Ovation will send you real-time alerts so you instantly know when changes have been made to your credit report.

Examples of things you would be alerted about include any negative information (e.g. a late payment reported by one of your creditors), any changes to any accounts (like new accounts being opened in your name or a new address on file), or changes to your credit score (both positive and negative).

Ovation Credit refund policy

We’ll be honest here: Ovation Credit’s refund policy is not very clear.

Here is the pertinent language from their website:

“As a valued Ovation client, you have the right to extend or cancel our services at any time… During any month, if we fail to provide the agreed upon services we will not charge your Monthly Fees for that month.”

What can Ovation Credit remove from a credit report?

If you have outdated, inaccurate, or duplicate items on your credit report, Ovation Credit can work to help remove these negative items from your credit history.

They do this by sending dispute letters and goodwill letters asking for this information to be removed or adjusted.

Here are some examples of the items that Ovation Credit can remove from your credit file:

Can Ovation Credit help your credit?

It’s important to note that there are particular laws governing credit repair companies like Ovation Credit.

These laws stipulate that they can’t make lofty promises or charge you for services they haven’t performed yet. But there are also credit regulations that limit what can be removed from your credit report.

A credit repair company like Ovation Credit can only have inaccurate or fraudulent charges removed immediately. But in many cases, they can use goodwill letters to appeal to creditors’ good nature. These tend to be most effective in instances where there is one late payment among several on-time payments.

So while Ovation Credit can help improve your credit score, they are not a miracle worker and can only work within the confines of the law that govern the credit repair industry.

The truth is, a credit repair company can’t do anything to help your credit that you can’t do yourself. But the benefit of using one is that you can expect service which can save you time and likely get you better results.

It’s the same idea as paying a pool company to clean and maintain your swimming pool: sure, you could do it yourself, but sometimes if you want the job done right, you opt to hire a professional. 

Ovation Credit review summary

Whether you have a few credit issues you’d like to clean up or some major problems, Ovation Credit is a great company to hire.

Their one-on-one customer service is a unique approach in the industry that customers seem to appreciate, and their choice of packaging makes them a good fit for almost anyone.

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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.