Company: Ovation Credit Services
Location: Jacksonville, Florida
Ovation Credit Services Review:
Ovation Credit Services was previously known as Ovation Law and is still offering credit repair services for consumers looking to improve credit scores. The company offers two credit improvement programs which are designed to improve consumer credit scores. The first program offers assistance with removing negative information from credit reports such as charge-offs, bankruptcies, liens, judgments, repossessions, late payments, and collection accounts. The Essentials Plus program is a higher tier of service which also includes customized debt validation letters and a recommendation letter from Ovation.
Ovation offers a free evaluation for the initial credit overview. Trained credit advisors provide counseling to those who sign up for one of the programs which includes consumer credit protection regulations as per the Fair Credit Reporting Act. The company’s belief in ‘Correction, Education, and Optimization had been created to help consumers not only improve credit but also to improve their understanding of the credit. The company’s program is described as being created by attorneys that have the background in understanding credits and the relevant laws.
Ovation bases much of their assistance and resources on the legalities of credit repair as the company was founded by attorneys and is currently still operating under Terry Cordell, an attorney and President of Ovation. With the changes in the rights of consumers for protecting their credit, there is an emphasis on educating consumers on the concepts of credit as well as the importance of protecting one’s credit profile.
Program Pricing (as of 01/2013)
The cost of the basic program from Ovation Credit Services is $45 a month while the Essentials Plus program charges a monthly maintenance fee of $65. Both programs have an initial set up fee of $85. Couples who seek help together can receive a 20% discount on service costs if they sign up for the program at the same time.
The Ovation programs provide consumers with a no-risk 100% refund policy. They also offer new clients a discounted upgrade option to sign on with Ovation if they had a prior experience with a different credit repair agency.
Ovation Credit Services offer specialized credit repair services and have the advantage of utilizing attorneys for expert credit advice based on consumer protection laws. Their website does contain a good amount of consumer information concerning credit repair and consumer rights.
The disputing of credit report items is something consumers can do on their own but the Ovation’s additional counseling and resources can be an advantage to those who need assistance getting started on the road to better credit scores and histories.
There is an initial set up fee and ongoing monthly fee for program services but the company offers a money-back guarantee and consumers can cancel the program at any time without obligation.
After the initial consultation,, credit repair assistance can begin on the same day which can decrease the amount of time consumers have to wait to begin seeing credit improvements.
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