Terms Of Affiliation

When you join our Online Affiliate Program or our Professional Services Affiliate Program, you'll agree to our terms and conditions during the application process. Credit repair is a highly regulated industry. In order to provide a legally-compliant and fraud-free environment, Ovation requires that all affiliates agree to:

  • Disclose Ovation as the provider of credit report repair services, and disclose Ovation's fees
  • Comply with applicable state law, federal law, and professional responsibilities, if any, at all times
  • Verify and attest that all telephone lists that are used to retain potential consumers will be compliant pursuant to the national "Do Not Call Registry"
  • Verify and attest that all email lists that are used to retain potential consumers will be CAN-SPAM compliant and comply with all state and federal email laws

Ovation requires that all affiliates agree that they will not:

  • Advertise (without prior written approval), resell, or charge any additional fees, other than Ovation's monthly fees, for Ovation's services
  • Package or pair Ovation's services with any other goods or services
  • Make payment for Ovation services on behalf of clients without prior written approval by Ovation
  • Make any promises or guarantees with respect to Ovation's services
  • Execute Ovation's service agreement on any client's behalf
  • Attempt to circumvent any of Ovation's security measures
  • Send commercial e-mail or use downloadable applications to promote Ovation without prior approval from Ovation; Spamming and/or unsolicited e-mail and indiscriminate advertising are not permitted
  • Engage in practices known as link farming, page cloaking or other deceptive practices to manipulate the natural search rankings
  • Portray your or any other website under your control and/or guidance as the Ovation website
  • Make any statement, give counsel or advice to any consumer which is untrue or misleading, or which upon the exercise of reasonable care should be known to be untrue or misleading
  • Make any statement or give advice or counsel to any consumer with the intended effect of which is to alter the consumer's identification, or identity for the purpose of concealing adverse information that is accurate and not obsolete from the consumer's credit history
  • Make or using any untrue or misleading representations of the services provided by Ovation
  • Identify themselves as partnered or affiliated with Ovation
  • Directly or indirectly in any practice or in the course of business to practice in any manner of communication which may constitute fraud, deception or misinformation in the attempt of sale or offer Ovation's services
  • Promote Ovation services via downloadable applications also know as spyware, parasiteware, adware or similar products or services without prior written permission. USING SOFTWARE THAT REDIRECTS TRAFFIC IS STRICTLY FORBIDDEN

Our complete terms and conditions and be viewed during the signup process for our Online Affiliate. Our Professional Services Affiliates can view the Ovation Professional Services Affiliates Agreement here.

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