Overview of Our Services

At Ovation, we understand that everyone's credit report and financial situation are unique. This is why we offer comprehensive, personalized and proven credit repair programs. When you become an Ovation client, we will customize your credit repair program to your exact credit situation and goals. We will ensure you will receive not only affordable, but premier credit report repair and superior customer service. Our programs are based upon extensive research of consumer credit laws, experience with credit bureau and creditor tactics, and persistence for our clients. Our programs are 100% legal and have helped tens of thousands of Americans correct and update their credit profiles resulting in higher credit scores.

"I certainly appreciate the FABULOUS job you have done with my credit."
- J.C., Ovation Client

Program Choices

Ovation offers the most customized credit repair programs available. We are proud to offer two program choices to address your particular credit needs; the Essentials and Essentials Plus. During the sign-up process, you can easily add additional custom services, as well as taking advantage of special discount offers. You can also upgrade, downgrade, or cancel at any time.

Here is a brief look at each of the programs:

The Essentials Program

The Essentials program covers all the bases for most typical credit report issues and allows you to dispute each item on your credit report that you feel is inaccurate, misleading, incomplete, and/or unverifiable in any way. This approach combines personalized dispute options through our Dispute Manager website, unlimited customized disputes submitted to all three credit bureaus (Electronic disputes to Equifax and TransUnion, if available), a personal Case Advisor assigned to your case to work with you one on one to reach your credit goals, access to your personal Case Manager Website where you can get case updates 24 hours a day / 7 days a week, use Debt Management tools to pay off your debt, an excellent Education Center, and a Savings Center to assist you with finding some options to help save on insurance, credit card interest rates, etc. On top of all of that you will receive the best Customer Service in the industry and have the ability to cancel at anytime if necessary. The Essentials program is $85 for your first work fee and then $45 monthly for the work completed the previous month. For Couples it is $136 ($68 each) for your first work fee and then $72 ($36 each) a month.

The Essentials Plus Program

The Essentials Plus program packs all the punch of the standard Essentials program but then adds several other cutting-edge components to coordinate a multi-tiered approach best suited to yield superior results sooner than later. Essentials Plus offers: unlimited customized disputes to all three credit bureaus, unlimited customized creditor letters depending on the delinquency (validation letters and goodwill letters sent directly to your creditors, excluding public records), to challenge anything on the account that is inaccurate, misleading, incomplete, and/or unverifiable to work towards getting the information updated or deleted from your credit reports, and TransUnion Credit Monitoring.

Other benefits to the Essentials Plus program

  • A Letter of Recommendation from a staff attorney for future credit approvals.
  • Personalized dispute options through our Dispute Manager website.
  • Unlimited customized disputes submitted to all three credit bureaus (Electronic disputes to Equifax and TransUnion, if available) .
  • A personal Case Advisor assigned to your case to work with you one on one to reach your credit goals.
  • Access to your personal Case Manager Website where you can get case updates 24 hours a day / 7 days a week.
  • Use our Debt Management tool to pay off your debt.
  • Access to our excellent Education Center.
  • A Savings Center to assist you with finding some options to help save you money on insurance, credit card interest, etc.
  • On top of all that you will receive the best Customer Service in the industry and have the ability to cancel at anytime if necessary.

The Essentials Plus program is $85 for your first work fee and then $65 monthly for the work completed the previous month.

Having a hard time choosing? We understand. Feel free to request a free consultation to review your credit goals with a professional analyst that will assist you in choosing the best program for you.

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