Questions About Us

Absolutely! We encourage you to call or email one of our professional credit analysts for a FREE Credit Consultation and ask any questions that may help you in determining the best solution for you credit needs. Call 866-639-3426 to talk to someone now. You can also email any questions that you have to Questions@OvationCredit.com to learn more about your credit report repair options

We Get Results. We have the BEST customer service in the industry and we are an Accredited Member of the Better Business Bureau. These are just a few factors that set us apart from our competitors. Ovation prides itself on our superior customer service, our utmost respect for clients and our professional Case Advisors that work one on one with each of their clients. At Ovation we stay current on consumer credit laws and economic issues, and we utilize the newest technology and proven techniques to ensure successful removal of inaccurate credit report information for our clients. Ovation provides the following advantages: Your case is reviewed by your Personal Case Advisor who is well educated in credit repair techniques and Certified in the Fair Credit Reporting Act. Your Advisor will work with you each month to make sure your case is moving towards your credit repair goals. We stay current on consumer law as it pertains to credit repair and credit bureaus to make sure that our clients receive the best possible results. Unlike other credit repair companies, your privacy and confidentiality (especially with regard to your social security number, credit card number and credit report information) are protected with Ovation. Our Customer Service Guarantee is effective from day one. You do not have to be a client for any particular amount of time before you are protected by our guarantee.

Our experience (and dedication to our clients) in working with the credit bureaus facilitates the credit repair process because we are more likely to anticipate the tactics and responses of the credit bureau. Members of our professional team have experience in interacting with the bureaus and creditors and have gained insight in regards to efficiently and effectively disputing credit report errors. We stay current on consumer credit laws and economic issues, and we utilize the newest technology and proven techniques to ensure successful removal of inaccurate credit report information for our clients.

Ovation began offering specialized credit report repair services in 2004. Our staff and administrators have been involved in the credit industry for more than 12 years. Our Better Business Bureau record dates back 1976.

At this time, Ovation Credit Services has chosen to focus exclusively on offering premier credit report repair services. Our programs and services consist of us disputing credit items to all three credit bureaus, disputing personal information and inquiries to all three credit bureaus and disputing credit items directly to the creditor. Each program is offered a la carte so consumers can build the program perfect for their needs. During the signup process, our clients execute a service agreement that specifically details our process of disputing items and information on your credit reports. In the future, we may offer additional services. We'll provide that information to the public as it becomes applicable.

Just like our service, our Refund Policy is effective from day one. Our Refund Policy is simple and straight forward. Each month that you remain a client of Ovation, you pay a Monthly Fee. During any month, if we fail to provide the agreed upon services (as outlined in the Service Agreement provided during the sign up process), we will not bill you for that month or will refund your Monthly Fee if already billed. It's as simple as that! If you are still unsure about the Refund Policy or have any other questions, contact us. We'll be happy to answer any questions you may have.

Ovation is so confident in our customer service and credit report repair abilities that we offer a 100% Service Satisfaction Guarantee. We take pride in our level of service and client support and are committed to providing our clients the most rewarding experience possible.

No! Ovation Does Not Charge in Advance For Credit Repair Services. In compliance with the Credit Repair Organizations Act, we only charge for credit repair services after they have been fully rendered. Your first payment to Ovation is called a "First Work Fee" and is made after we have completed the identified services relating to this payment as detailed in the service agreement, usually billed after 5 days. Each monthly payment thereafter covers the monthly services detailed in the service agreement fully rendered during the previous month. Your first monthly payment is thirty days after you sign up.

Ovation is proud to offer a couples' discount for any two people that seek our services. Although you may not be related and you may not be a couple you still deserve a discount. So, sign up for the couples' program and get our services at a discounted price. We will still set up two separate accounts, one for each of you to ensure the best service and results possible, however the billing does have to be together to get the discount. Contact us if you would like to add a friend of family member.

Ovation will not share, sell, transfer or convey your personal information to any unaffiliated companies or third parties. Ovation maintains strict confidence of your personal information. We even have strict policies for all Ovation employees when it comes to sharing personal information internally.

Ovation safeguards the security of your data with physical, electronic, and managerial procedures. We urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser. The Ovation Credit Services web site uses industry-standard Secure Sockets Layer (SSL) encryption on all web pages where personal information is required. To sign up for Ovation's service, or to log into the client section of the web site, you must use an SSL-enabled browser such as Netscape Navigator 3.0 or later, or Internet Explorer. This protects the confidentiality of your personal information and credit card information while it is transmitted over the Internet.

Yes. Ovation is an Accredited Member of the Better Business Bureau. It is an honor to be an Accredited Member. Our history with the BBB dates back to 1976 - longer than anyone we've seen in our industry. We've been members since 2004. Before you choose a credit repair company to work with, be sure to check their BBB report. You can help avoid scammers by avoiding companies that are not members and you can avoid frustration by avoiding companies that are members but have a high number of complaints filed. To check for complaints you can visit http://www.bbb.org/us/Find-Business-Reviews/ to search for a business.

Yes. Ovation carries surety bonds as required by various state laws.

Yes. Ovation was founded by attorneys and is managed by attorneys. Our founders oversee the entire process and work closely with our case advisors to ensure that you receive the best results possible. From the time you first become a client until the time that you close your case file; our founders are involved in the process.

We want you to clearly understand how the credit dispute process works. For a brief overview of how the credit repair process works, see below. You can also call on of our Professional Case Analysts for a free consultation and they can explain the process to you and answer any questions for you.

The credit repair process is actually quite simple; however it does require you to be persistent, patient, and to understand how the process works. To get started we need all three of your credit reports. If you already have them that is great, if not we can help you order them. Once you send your credit reports to us, we will enter them on your case and post them to our interactive Dispute Manager web page. You will log in and tell us what items you want to dispute and why. Once Dispute Manager is complete we will begin sending out your dispute letters. If you have Essentials then we will send your letters to all three credit bureaus. If you have Essentials Plus then we will send your letters to all three credit bureaus and all of your creditors. Within the next 45-60 days you will get updated credit reports and letters back from your creditors and the credit bureaus. They will come in plain white envelopes with just a return address in the upper left hand corner, make sure you open all of your mail when you are disputing. As you receive those updates please send a copy of everything to us so we can update your case and dispute again. We will continue disputing for you until your case is done or you choose to close your case.

Our clients typically start seeing results in 45-60 days. Because everyone's case is different, some cases are completed in that time, but the average length for our clients is 6 to 8 months. It really depends on the type and number of items that need to be addressed in the credit profile. Successfully repairing credit requires persistence, patience and experience. This is where Ovation Credit's expertise saves you valuable time. To effectively dispute incorrect information on your credit report, the key is knowing the 'valid disputes' and understanding the methods used by the credit bureaus in order to submit personalized disputes that meet their requirements and warrant a timely response. In addition, we offer a valuable time-saving service, known as the Fast Track Program, which can be applied to any of our custom programs to expedite your credit report repair process. Send us your information and complete the Dispute Manager by 2:00 pm EST and we'll create your custom dispute letters and mail them to the three major credit bureaus the same day!

Every consumer's situation is different. If you have a bankruptcy on your credit report that you feel is inaccurate, misleading, incomplete, or unverifiable in some way then we can dispute it for you. As for getting it removed from your credit report that is not something we can promise or confirm. However, Ovation Credit Services has successfully removed bankruptcies from our clients' credit reports in the past.

To provide the best results for our clients, yes we interact with creditors. Our Essentials Plus Program includes the creation and distribution of custom dispute letters to the three major credit bureaus: Equifax, Trans Union, and Experian. Once you mark the accounts you want disputed we also send letters to your creditors, disputing and/or requesting verification of the information listed on the credit reports. If they are unable to verify the information they are reporting then they are required by law to remove or update the information reporting.

Ovation is a credit report repair company, not a debt consolidation company. We only contact creditors by letter to work towards getting the information updated and/or deleted from all three credit bureau reports. Unfortunately, we do not work with creditors for payment arrangements.

Yes. We require no long-term contracts. You can cancel at anytime, and our refund policy is effective from the day you start working with us.

No! Federal Law requires that all disputes be submitted in good faith. When you become a client of Ovation, you'll complete our Dispute Manger to provide us with the necessary information about the items on your credit reports that qualify for a good faith dispute. We'll also consult with you directly. We compile that information and use it to create your custom dispute letters. We will dispute any item, positive or negative, that you review and mark for dispute. Not only is our process legal and in compliance with the FCRA, but it results in more efficient and effective disputing.

Several companies out there simply take your credit reports and generically dispute every negative item without any information from you regarding the legitimacy of the negative items. Not only is this process illegal, it is ineffective and results in an extremely high return of frivolous responses.

The Credit Bureaus (CRA – Credit Reporting Agencies) must investigate items in question unless they consider your dispute frivolous. A blanket dispute (i.e. all negative information is challenged) may be considered evidence that the dispute is frivolous, or if you fail to provide any allegations concerning specific items in your file. Frivolous disputing will unnecessarily increase the amount of time it takes to repair your credit profile and your overall success rate. This is common error made by inexperienced credit repair consultants who simply dispute all negative items or most of your credit items on your credit report at one time without any specific basis for the dispute.

No. When you become a client of Ovation, we request that you submit all three credit reports to us. If you don't have a copy, don't worry. We'll show you where you can get a copy of all three reports for free. If you do not qualify for a free report, we can show you a number of websites where you can purchase reports online for a low cost.

We do not provide your reports to you because the process of obtaining your report would result in an inquiry being placed on your reports. Each inquiry negatively affects your score. Our goal is to help you raise your score, not lower it. If you obtain your report yourself and submit it to us, no negative inquiry will appear.

Several competitors will pull your reports for you. However, they pull reports usually through affiliated third party companies, causing you an inquiry. While this sounds convenient, just remember that they are actually hurting your score in the process.

There are several websites from which you can order your credit reports. The most efficient way to get us your reports is to order them online and email them to us as an attachment, preferably as a .PDF, or you can fax a copy to us or physically mail copies of them to us. If you have difficulty, contact us and we will assist you in getting your reports downloaded and sent to us. You can obtain all three credit reports and scores by clicking here. Another popular website to order your credit reports from: www.AnnualCreditReport.com. A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months, you can get those reports at www.AnnualCreditReport.com. You can also order your credit reports from the credit bureaus directly at www.TransUnion.com www.Experian.com, and www.Equifax.com

A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months. The credit bureaus set up a separate website for this purpose, the web address is www.AnnualCreditReport.com.

For qualified consumers, there are some options provided under the Fair Credit Reporting Act that entitle you to receive a free copy of your credit report. You are entitled to a free copy of your credit report if you've been denied credit, insurance or employment and request the report within 60 days of notice, or if you can prove that (a) you're unemployed and plan to look for a job within 60 days, (b) you're on welfare, or (c) your report is inaccurate because of fraud or identity theft. If your application for credit, insurance, or employment is denied because of your credit information, the company to which you applied must give you the name and address of the reporting credit bureau. If you don't qualify under any of those categories, you will need to purchase your credit reports, which are approximately $9.00 - $12.95 each when purchased directly from the credit bureaus.

Before you send us any documents, remember to make a copy of them for your records. Ovation makes it as easy as possible for you to submit your credit reports and documentation to us. You can fax them to us. You can mail them to us. You can email them to us. If you are in the area, you can drop them off at our office. You can upload them through our client management website. You can also provide user information for the website where you purchased the reports and we'll download them for you. If you can think of another way to get them us, let us know and we'll accommodate you. Our goal is to make the credit report repair process as easy and efficient for you as possible.

You may request your report as often as you choose - without affecting your score. You have the right to view your reports as often as you like with no penalty against you. However, 'inquiries' on your credit report from potential creditors, businesses or employers do count as an inquiry and affect your credit score. This is why we have you order your credit reports and send them to us. Our goal is to improve your overall score and eliminate credit report errors.

Ovation's Dispute Manager is part of the website we've created just for Ovation's Clients. With it you can see your credit reports and tell us about the questionable items on your reports. We will then use this information to create customized dispute letters for each of the bureaus.

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