Contact Us Anytime

We are available for clients and non-clients alike, so if you have comments, questions, or suggestions, or would like additional information about our comprehensive services, please contact us in the manner that is most convenient for you.


Direct Access Numbers

Use the below to dial directly into the department you'd like to speak to.

Free Consultations - (866) 639-3426 option 3
New Client Sign-up by phone - (866) 639-3426 option 3
Existing Client Support - (866) 639-3426 option 2

Fax Numbers

General Purposes - (904) 737-5403
Credit Reports - (904) 737-5403
Fast Track Credit Reports - (904) 737-9449

Direct E-mail Addresses

Use the email addresses below to direct your email to the department you'd like to reach.

Consultation - Info@OvationCredit.com
Questions - Questions@OvationCredit.com
Case Information - Accounts@OvationCredit.com
Billing Issues - Billing@OvationCredit.com
Reports - Reports@OvationCredit.com
Fast Track Reports - FastTrack@OvationCredit.com
Web Access Issues - Webmaster@OvationCredit.com

Mailing Address

Use the following address for all general mail and credit reports delivered via the US Postal Service:

  • Ovation Credit Services, Inc.
    PO Box 56137
    Jacksonville, FL 32241-6137

Actual Street Address

Use the following address for all general mail and credit reports delivered via Federal Express, UPS, and other non-US-Postal-Service shippers:

  • Ovation Credit Services, Inc.
    9310 Old Kings Road South Suite 404
    Jacksonville, FL 32257

Your Credit Report Ratings

credit report

Don't understand your credit report? Don't know what the numbers and letters mean under the ratings section. Let us help you understand your credit report a little better. Below are the numbers used to rate an account and the "R" before the number means that it is a Revolving account.

  • R0 - Too new to rate. Approved but not used
  • R1 - Paying as agreed
  • R2 - 30 days late: Late more than 30 days, but less than 60
  • R3 - 60 days late: Late more than 60 days, but less than 90
  • R4 - 90 days late: Late more than 90 days, but less than 120
  • R5 - 120 days late, but is not yet rated collections
  • R6 - 150 days late, but is not yet rated collections
  • R7 - 180 days late, Paid through a debt management or credit counseling program
  • R8 - Over 180 days late, Repossession
  • R9 - Bad debt: Collection, Charge Off, Bankruptcy, Included in Bankruptcy, Judgment, Lien, Foreclosure

Each item on your credit report carries a corresponding rating number that summarizes your account status.

  • R - Revolving Account - A credit account that is charged and once paid can be used over and over. A revolving balance.
  • I - Installment
For a Free Consultation
Call 866-639-3426