Ovation Credit Services

Ovation Credit Services

 4.3/5 (334 reviews)

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Overall Rating4.3 out of 5
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About Ovation Credit Services

Ovation Credit Services is a credit repair company that partners with TransUnion and LendingTree. Ovation’s services include credit repair, credit education and credit monitoring. When you sign up with Ovation Credit Services, its specialists work with you to dispute inaccurate items on your credit report and improve your score. Ovation Credit Services offers military, senior and couples discounts.

    Pros & Cons


    • No-risk refund policy
    • Military, senior and couples discounts
    • Free consultations


    • High monthly fees
    • Credit monitoring not always included

    Bottom Line

    Ovation Credit Services offers credit repair, education and monitoring services. Clients work with a credit specialist to raise their credit scores and remove inaccurate items from their reports.

    Top Ovation Credit Services Reviews


    Ovation Credit did a small fixing to my credit report since there were a couple of accounts that were doubled. My credit analyst was Dietra and it was very easy working with her. ...

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    I was looking for help to fix our credit so we could refinance and put our home in our name. I called Ovation Credit. They called back then I talked to Kevin **. Within 2 to 3 mon...

    Read full review

    How does Ovation Credit Services work?

    When you sign up for Ovation’s credit repair program, you choose one of two plans: Essentials or Essentials Plus. Each plan offers a personal case advisor, customized dispute options and financial management tools. With Essentials Plus, you also get unlimited challenge letters, unlimited credit goodwill letters and TransUnion credit monitoring. If you’re interested, call Ovation for a free credit consultation or visit its website for free credit education materials.

    Ovation Credit Services cost and requirements

    Ovation’s costs vary based on the plan you choose:

    • The Essentials Plan costs $79 per month.
    • The Essentials Plus Plan costs $109 per month.

    Both plans have a one-time $89 work fee. Discounts are available for seniors, couples and military personnel.

    Ovation doesn’t make any claims about how long its credit repair process takes, but most people who get professional credit repair use the service for three to six months. If your credit score is low because of debt or late payments, expect the process to take longer.

    Ovation Credit Services does not require a minimum credit score, but you must be at least 18 years old to enroll. You also need your date of birth and the last four digits of your Social Security number to receive your credit summary from an Ovation analyst.

    Ovation Credit Services FAQ

    How do I cancel Ovation Credit Services?

    Call Ovation Credit Services to cancel your services. You can do this at any time because the company does not require a contract.

    Can Ovation Credit Services really fix my credit?

    Yes, Ovation can fix your credit if there are inaccurate entries on your credit report that it's able to remove. The amount your credit score increases depends on how many inaccurate items Ovation removes. If you have negative but accurate items on your credit report, Ovation Credit Services is not able to remove them. The company’s specialists can give you advice on how to raise your score with responsible financial practices, but it does not guarantee specific results.

    How much is Ovation Credit Services?

    Ovation Credit Services starts at $79 per month, and the company charges a one-time $89 work fee. If Ovation fails to provide services during any month that you’re enrolled, it does not charge fees for that month. Discounts are available for qualifying customers.

    What does Ovation Credit Services do to your credit?

    Ovation Credit Services takes steps to improve your credit. If it removes negative items from your report and you keep your accounts in good standing, your credit score should go up.

    Is Ovation Credit Services worth it?

    If inaccurate information is bogging down your credit report, Ovation can help raise your score. Ovation Credit Services provides free personalized consultations with a credit analyst for customers who are not sure if its services are right for them. The company also offers add-ons that allow you to customize services for your situation. Though its monthly fees are high, Ovation offers military, senior and couples discounts.

    Ovation Credit Services Reviews

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    Page 1 Reviews 0 - 10
    Verified Reviewer
    Original review: Jan. 19, 2023

    Please don't do any business with Ovation Credit Services. They took money off my card without permission and won't give refund. On top of it all they didn't do anything for me but tried to give me the rundown

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    Verified Reviewer
    Original review: Oct. 27, 2021

    I had some queries about the services Ovation provided and ended up speaking to Evelyn. She was excellent in how she communicated - very clearly, very patiently. She made sure I understood the details of the information I was looking for. Thanks, Evelyn.

    3 people found this review helpful

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      Verified Reviewer
      Original review: Feb. 10, 2021

      I started with Ovation Credit about 3 years ago and with the exception of a minor hiccup my FICO score increased over 100 points. I rarely need to wait to speak with my Case Advisor and if she's busy assisting another client one of her fellow associates is always more than happy to assist. Thank you Ovation Credit and Rose Marie for helping get me back on the path to financial stability.

      9 people found this review helpful
      Verified Reviewer
      Original review: Oct. 1, 2020

      My credit went down 100 points the day after I signed with them with no changes in my life. My credit would fluctuate 3 points here & there over a period of a year or 2. But the very moment they touched my credit, it went straight down. That seems impossible. I believe this is a shady tactic that they use to get people to stay with them longer. Credit Karma does free credit repair. I should've just stuck with them. I want to sue Ovation by Lending Tree for destroying my life in one day. I don't qualify for the house I was buying anymore. My family is screwed and going to be homeless. And when I try and call them, I get sent to voicemail and I also emailed them twice, no return call. These people are horrible.

      27 people found this review helpful
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      Verified Reviewer
      Original review: Sept. 14, 2020

      Really bad service and reactivity overall after 4 months of payments and no change for just 4 minor items. I decided this month after trying to move them (if you don't call them for months, they will not inform you of their actions which of course are zero). They let drag things as much as possible as you pay monthly (I should have suspected that....). Now I have to look for a more serious company....

      21 people found this review helpful
      Verified Reviewer
      Original review: June 22, 2020

      I found out one month into my services with Ovation, that you can do what they do yourself. The credit bureaus now allow you to dispute through their app. Just set a reminder to dispute once per month until it is resolved. The one star review is because I wanted Ovation to dispute a late payment. They sent an identity theft dispute to one of my student loan servicers. That servicer locked my account due to a "legal dispute", I could not get my income driven payment letter, and we lost on a house because our mortgage company needed that letter, and I could not produce it. Boo Ovation!

      21 people found this review helpful
      Verified Reviewer
      Original review: Jan. 22, 2020

      Not satisfied at all!!! Let me start by saying I signed up with them over a month ago and they are still requesting documents that I have already sent them. They have already drafted money out of my account but have not even started doing anything! A representative contacted me in regards to getting my full social security number over the phone. I declined and suggested I call in to Ovation that way I could be sure I wasn't giving my SS# to just anyone. The lady was rude with me and when I contacted Ovation's main number then put in her extension she didn't answer. I left a message and we have been back and forth ever since! I have to leave a message because no one there ever answers the phone! I WANT MY MONEY BACK! It's crazy!

      32 people found this review helpful
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      Verified Reviewer
      Original review: Jan. 9, 2020

      They are very good at collecting their money. No real change in my report. They are great about taking your funds. Try leaving they ignore emails. Then set multiple hoops to prevent you from leaving. Beware of automatic payments.

      41 people found this review helpful
      Verified Reviewer
      Original review: Nov. 11, 2019

      I wanted to share what the Credit Bureaus told me themselves. They advised me not to pay for credit services to dispute anything on my credit report. This is something that I can do myself. If you dispute something on your credit report and it doesn't come off in the first 45 days. Then you can keep disputing it and eventually the Credit Bureau will remove it. I've done this. That's why I can confirm this. I asked Ovation Credit what if the item that they're disputing doesn't come off? They said they keep disputing it. The same thing you can do yourself for free. You don't have to pay Ovation Credit $113.00 a month for however long it takes when you can save that money and do it yourself.

      25 people found this review helpful
      Verified Reviewer
      Original review: Oct. 8, 2019

      Signed up for services in June of this year. They stated that they wouldn't do any services until start-up fees were paid. Paid em. They sent out dispute letters monthly until now. (October) Charged me monthly. Nothing has gotten accomplished. In fact, my credit has gotten WORSE since signing on. Then when I call to cancel, I get offered 2 different options (both of which I declined). Am put on hold twice before finally being told they bill in arrears? Whatever that means and I owe another 60 dollars. So basically, they charged me 140 bucks for 1 month of services, to which still nothing has changed or had been done. This company is nothing but a bunch of SCAMMERS AND RIP OFF ARTISTS!!! Do not believe any positive reviews. The more I think about it, the more I feel the good reviews are written by employees. Thanks, no thanks Ovation. You're nothing but a bunch of lousy con artists.

      26 people found this review helpful

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        Ovation Credit Services Company Information

        Company Name:
        Ovation Credit Services
        Year Founded:
        9143 Philips Hwy Suite #560
        Postal Code:
        United States