What Does Your Credit Report Say About You?

Everywhere you look you can see advertisements and articles discussing the importance of an individual's credit score. Credit scores affect every aspect of our financial lives - qualification for loans, the interest rates we pay, employment opportunities, and even insurance premiums. Undoubtedly, a consumer's credit score has become one of the single most important criteria reviewed and considered by today's lenders and potential employers. The information reported by the credit bureaus about you impacts almost every part of your financial life.

Does your Credit Report Tell the Truth about You?

Probably not. Credit scores are based upon information reported on a consumer's credit profile. The 3 main credit bureaus maintain credit profiles on more than 100 million Americans. Unfortunately, statistics show that approximately 3 out of every 4 credit profiles contain potentially serious errors. Here are some alarming statistics about credit reports:

 79% of credit reports contain some type of error.
 25% of all credit reports contain errors serious enough to result in the denial of credit.
 29% of consumers have variances of 50 points or more in their credit scores as reported by each of the three major
credit bureaus.
 54% of credit reports contain personal demographic identifying information that was misspelled, long-outdated, belonged
to a stranger, or was otherwise incorrect
 30% of credit reports contain credit accounts that had been closed by the consumer but incorrectly remained listed as
open.

These errors are costing consumers billions of dollars in unnecessary costs. How much does inefficient and inaccurate reporting cost you?

Not Happy About What You See On Your Credit Report?

You're not alone. Unfortunately, few consumers fully understand what constitutes a correctable error on a credit profile. Many are busy with everyday life - raising a family, working, etc. and just don't have the time to devote to researching their credit rights. As a result, few consumers actually dispute their credit profiles effectively.

Identity theft further complicates the matter. Millions of Americans suffer from credit profiles corrupted by improper and unauthorized use of their credit information. All told, consumers are stuck with the daunting task of navigating legal frameworks while disputing with unresponsive credit bureaus. This unbalanced playing field creates only one major loser - the American consumer.

We Make Credit Repair Fast, Easy and Effective for Our Clients.

Enter Ovation. This is precisely where we come in. We're here to help you achieve your optimal credit profile. We work with the credit bureaus and your creditors to resolve issues on your credit reports. We work on items that should be deleted or removed, items that should be updated, and items that should be re-characterized. We've studied credit reporting, the credit bureaus and creditor reporting methods to maximize the results we can obtain for you.

Our programs are based upon extensive research of consumer credit laws, credit bureau tactics and persistence for our clients. Our programs are 100% legal, and are developed and managed by the very same lawyers who founded our company. We've helped tens of thousands of Americans correct their credit profiles and counting.

What Can We Help With? You Name it.

We have successfully helped remove or improve questionable items on credit reports including:

At Ovation we've effectively disputed every kind of problem a credit report can have and we're waiting to help you now. Let us show you the difference Ovation can make for your credit today. Sign up now or request a free consultation to discuss your credit needs and what Ovation can do for you.

We work with the credit bureaus and your creditors to resolve issues on your credit reports. We work on items that should be deleted or removed, items that should be updated, and items that should be re-characterized. We've studied credit reporting, the credit bureaus and creditor reporting methods to maximize the results we can obtain for you.

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How Our Process Works

Choosing Ovation for your credit repair needs ensures that you'll receive affordable, premier credit report repair and customer service. Our programs are based upon extensive research of consumer credit laws, credit bureau tactics and persistence for our clients.

The process of working with us is easy and can be explained in four basic steps. Below we walk you through a detailed explanation of our process for delivering consistent and reliable results.

Working With Ovation Is As Easy As 1, 2, 3, 4

After years of working with thousands and thousands of people on their credit reports we've honed a method that consistently delivers the best results in the shortest amount of time. The following four steps cover our basic process for working with you to repair your credit report.

1. Sign up, Select Your Program and Options.

Sign up and become an Ovation client online or by telephone. It's easy and only takes a few minutes. Additional service options can be added during the sign up process or anytime thereafter. If you call to sign up, our specially trained Case Advisors can answer any questions you may have. When you sign up you will choose from one of our two customized program options - The Essentials or Essentials Plus. You can also upgrade from the Essentials program to the Essentials Plus program at any time.

2. Get Us Your Credit Reports.

Ovation will work with you during the process of ordering and forwarding your credit report information to us via email, fax, or post. If you don't already have a recent copy of your credit reports (less than 30 days old), just let us know and we can assist you. The current report provides us with the specific information we need to most effectively dispute your negative credit reports items. Once received we will enter your credit report information into your case file for processing.

3. Login and Activate the Dispute Manager

After Ovation has entered your credit report information into your case file you will be prompted to login and activate the Dispute Manager. During that process you will be asked some questions about the content of your credit report. Your answers provide us with the specific information we need to most effectively dispute your negative credit reports items. Once completed just sit back and let Ovation handle it from there. Ovation will analyze your case and all the information provided to determine the most effective strategy to remove the negative items pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act, Truth in Lending Act, and Fair Debt Collection Practices Act, as well as other applicable Federal statutes.

4. Relax, Forward Responses and Enjoy the Results

Once the dispute process has begun the credit bureaus have an amount of time guaranteed by law to respond. During that time, the credit bureaus will be coordinating with the reporting creditors regarding the disputed information. You will begin receiving responses from the bureaus in the mail and you should forward copies of everything you receive to Ovation so that we can update your case file and take further action if necessary. At this stage, you can simply relax and watch the results as your credit is improved one step at a time.

The truth about credit restoration.

Remember, there is no "magic wand" that someone can wave over your credit files to make years of bad credit "disappear" overnight. Our process of legal credit repair focuses on the inaccuracies, misstatements and misleading information on your credit reports and requires time, diligence and persistence. Most individuals begin to see impressive results within 60-90 days. The majorities achieve their goals of restoring their good credit within 6-12 months, depending upon the individual's unique set of circumstances.

Ovation - Ready When You Are.

Ovation's specialized credit repair processes, legal expertise, and guaranteed customer service are unmatched. We provide customized, personal attention to your individual credit repair case and we emphasize customer support and long-term solutions for our clients, differentiating us from other credit restoration businesses.

Simply put, we strive to provide the best customer service in the industry, and our results-oriented Case Analysts take pride in consistently meeting and exceeding our client's expectations. Ultimately, we provide clients with renewed financial optimism and a valuable savings of time and money.

Repairing your credit report is one of the most important financial decisions you can make. Ovation Credit Services is a trusted firm, and we make the process convenient, personal, and effective. Contact us today for more information.

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Our Results Speak for Themselves.

At Ovation, our focus is on results for our clients. Since 2004, we've averaged at least:

19 Improvements per Client

So what is an improvement? An improvement consists of deletions, falloffs, or a more positive status for an account. Our programs are designed to focus on core reporting issues. Our team works to make sure that your credit report reflects accurate, complete and correct information. This goes well beyond simply seeking a deletion; if an item is yours, are all components of the item reported correctly and accurately? Our approach has generated tremendous results. Our clients find, on average, 19 improvements to their combined credit reports. These improvements generally lead to higher scores and better borrowing opportunities. The chart to the right shows the average
number of improvements for our clients.

Each case is different, and results will vary based upon the specific issues contained on your credit reports. They will also vary based upon the amount of time you are willing to commit to your credit report repair.

We depend on our clients to provide us with copies of their credit reports in order to determine total improvements. Because some clients fail to report back to us at the conclusion of their programs, our actual number of improvements is most likely much higher that what we publish.

Seeing is Believing

Below you can browse just a few of the reports we have recently received back from clients showing the types of results we regularly see. On a monthly basis we resolve all kinds of credit reporting issues from bankruptcies, collections, charge-offs, judgments, liens, foreclosures, repossessions, late-payments, to fraud, identity theft, inquiries, and incorrect personal information. Take a look at just a handful of the thousands of improvements we get every month.

All This And More..

Let us show you the difference Ovation can make for your credit today. Sign up now or request a free consultation to discuss your credit needs and what Ovation can do for you.

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How Much is Poor Credit Costing You?

It's easy to think that bad credit is no problem from the advertisements in the media. Have you ever studied the fine print on those "easy credit" and "pre-approved" ads? You'll discover that people with low credit scores are paying twice, three times, even four times the amount of interest that a person with higher credit scores pays.

The lower your credit score, the fewer options you have for choosing a lender. Those that specialize or prefer to lend to consumers with lower credit scores are balancing the risk of default with the reward of significantly higher interest rates. If your credit score is impacted by inaccuracies, misstatements and/or misleading information, you may fall into this range even though you do not pose the same risk as someone whose credit score accurately reflects their credit worthiness. The result can be thousands and thousands of dollars of unnecessary payments.

The Solution? Professional Credit Report Repair with Ovation Credit Services.

As you increase your credit score, you'll qualify for lower interest rates. This means that you pay less to borrow the same amount, resulting in a significant savings to you. For example, the following chart shows what interest rate and monthly payment you could expect to pay on a $150,000.00 30-year fixed-rate mortgage:

Your monthly payment can fluctuate by 30 percent, just based upon your credit score alone! More importantly, the total amount of interest paid throughout the term of the loan can fluctuate by as much as 50 percent. In the above example, a borrower with a credit score in the 500-559 range can expect to pay up to $130,000.00 more in interest than a borrower in the 720-850 range over the same 30-year term. Keep in mind that in both scenarios, the same amount of money ($150,000.00) was borrowed. The borrower with the higher credit score will pay significantly less in interest payments during the same time frame, simply because they are viewed as a lower risk of default. Don't be a victim of an inaccurate credit score. Repair your credit report today and start saving money now!

If you would like to see how your score could affect the interest you may have to pay on potential loans, try our online calculator below.

	POOR	AVERAGE	GREAT
Credit Score	(500-619)	(620-699)	(700-850)
avg. APR (%)
Total Paid ($)
Interest Paid ($)

Calculate Interest Paid ENTER YOUR DETAILS

Loan Type fixed mortgage HELOC 36-60 Month New Auto

Loan Amount ($)

Term of Loan (Years)

Disclaimer: Ovation Credit Services Inc. provides the information on this page as a service to the general public for informational purposes only. We're not a lender. While the information may deal with terms of credit, it does not, nor is it intended to, constitute any type of offer to loan money. Actual rates may vary.

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Credit Law Is On Your Side (And So Are We)

Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA.

You must be told if information in your file has been used against you.

Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information.

You have the right to know what is in your file.

You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free.

You are entitled to a free file disclosure if:

a person has taken adverse action against you because of information in your credit report; you are the victim of identify theft and place a fraud alert in your file; your file contains inaccurate information as a result of fraud; you are on public assistance; you are unemployed but expect to apply for employment within 60 days. In addition, as of September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies.

You have the right to ask for a credit score.

Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.

You have the right to dispute incomplete or inaccurate information.

If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.

Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information.

In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file is limited.

A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.

You must give your consent for reports to be provided to employers.

A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry.

You may limit "prescreened" offers of credit and insurance you get based on information in your credit report.

Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on.

You may seek damages from violators.

If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Knowledge is Power

To learn more about the credit laws that impact you, visit our Learning Center. There you can learn more about the Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act, The Fair Credit Billing Act and the Truth in Lending Act.

At Ovation, we believe timely information and knowledge breeds success and ensures greater client satisfaction. If you have any questions about professional credit restoration, including if it is right for you, contact us.

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Hear What Our Clients Have To Say

We hear from our clients all of the time about how pleased they are with our services and their results. At Ovation, we never make up testimonials. Each and every testimonial that we list comes from a real client. Here's what a few of our clients have to say about their experience with Ovation Credit Services:

 I want to thank you for your time to review my items case by case and have done an exceptional job in which I have
recommended others to you and your firm.

 My credit score has gone up dramatically, over 100 pts. Julie's has gone up 26 since we started with Ovation. We
are very happy with your service.

 Hi Christina, I want to take the time to thank you for working so expeditiously with my case. I am definitely glad and
continuing to see progress with my credit reports consistently. Thanks so much and I am going to continue with
your services until I am completely satisfied to the fullest.

 I just wanted to let you know that your staff at ovation has been incredibly helpful. My associate and myself have been
able to focus on selling and setting up our new business in February because Susan and Christina have been so on
the ball about everything. I have never dealt with a more pleasant staff.

 Thank you! I have been very pleased with you & Ovation. Dianna you have always been very prompt in everything
you do for me. Just thought I would say something about how great it is to work with you. You're an amazing person
to deal with!

 Can't thank you enough, Ovation has been a huge help! My credit reports and score have significantly improved.
I am very happy with the service as well, you were always very responsive and easy to talk to. So, thank you again!!

 I would like to say thank you for all of the work that you have done on our behalf over these many months. You guys are
very professional in an industry that has had more than it's share of shady companies. Please pass my thanks on to
your supervisors. I recommend Ovation with the assurance of your quality of service.

 Thanks Doug! Once again your advice and expertise has been awesome. As well as your prompt replies and personable
manner. Please forward this to your superior to let them know how much you are appreciated.

 As a business owner and property owner, my credit score is very valuable to me. During a transaction which required
a credit report, I found that my credit information was not being reported accurately. I initially tried to work directly with
the credit bureaus to resolve the issue, but found them to be unresponsive, unhelpful and the process frustrating. I
then tried a number of services to handle the investigation for me, but after a few intense interviews very little progress
was made. Finally, I found Ovation. Their staff is personable, reasonable and incredibly effective. I have had
constant communication, great follow up and real results. I remain a devoted subscriber to their services as they
continue to find appropriate credit inquiries and remove them - with my only responsibility of forwarding an occasional
mailing their way. I highly recommend www.ovationlaw.com to anyone seeking to raise or maintain their credit
score by reflecting an accurate credit report.

 You guys have been great!!!!!! I am thrilled with the results. I will more than likely sign up again mid next year.

 You guys did a great job and my credit is wonderful now!!

 Everything is groovy with my credit reports. We bought a house with my score being great!

 Treeza did and outstanding job on my case and is to be commended. She is very pleasant and professional.

 Thank you for all the work you did in improving my credit. My husband and I have now been approved for a mortgage
loan and will be moving into our new home at the end of this month. My credit score began in the 600's and is now in
the high 700's to low 800's. Thank you very much!!

 I currently have an account with you and have for over a year. I greatly appreciate your help with fixing my credit and my
scores have gone from the 500's to the 700's in the last year.

 The process was easy, I was kept up to date on all the happenings, and I received responses from everyone on my
credit reports. My credit scores have improved immensely and it was all due to the diligence by Ovation and your
superior staff.

 Thank you for all you have done in regard to helping me get my credit cleared up and back on track, I can not thank you
enough. As you stated in a previous email you sent me, most of the negatives on my report have now been cleared up
or have fallen off since I signed up with Ovation in September of 2007. In the last 9 months I have watched my
credit drastically improve.

We Love It When People Say Nice Things About Us

At Ovation we do great work for great clients and we appreciate all the nice things they have to say. If you'd like to have something nice to say about us then we invite you to become a client today using our Express Signup. It only takes a few minutes before you'll be saying "That was easy!".

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