Collections Archives | Ovation Credit Repair Services

Mar 14

Recovering Your Credit Score After a Collection Item

By Marketing | Collections

An account that lands in collections is typically the result of a series of missed payments. It’s also one of the quickest ways to sink your credit score. After all, much of the criteria that determines your credit score depends on your payment history — and even one collection account could send your score into free fall. Unfortunately, the history of your collection item will remain on your credit report for seven years after the date of the first missed payment, affecting your loan approvals and interest rates.

The effect on your credit score will vary, depending on the amount of the account in question and the level of your score when the collection occurred. A low-dollar collection item will likely affect your overall score much less than a larger one. Generally, the higher your score when the collection takes place, the more points you’ll tend to lose.

Although you could wait seven years for the collection item to fall off your report, it’s better to be proactive and approach the problem head-on. With hard work and persistence, you can reverse some of the damage done to your credit score. Read on for our top four tips for recovering your credit score after you have an account transferred to collections.

1. Focus on the Positive Information

The negativity on your credit report won’t disappear overnight, but you can lessen the damage by boosting the more positive elements of your score. Payment history comprises as much as 35 percent of your total credit score. Resolve to keep all of your credit card and loan payments current — and make sure that you keep those “positive” accounts open, even when you aren’t actively using them. The length of your credit history is also a substantial factor in your credit score, so the older and more timely paid accounts you have on your credit record, the better. Gradually, these critical, everyday efforts will result in a steadily improving score.

2. Open Up New Accounts

Another way of tilting the balance in your favor is to open up new accounts, which you can in turn use to build up some more positive marks. A secured credit card is an excellent option if you’re trying to rebuild credit because it offers minimal risk to both you and the card issuer — you can only “charge” what you’ve agreed to deposit into the account. When you pay off the new accounts every month, your score will rise — and the collection item will gradually factor less and less in the overall calculation of your credit score. Just make sure that you aren’t taking on too much too soon — the key is to focus on one or two new accounts that you will easily be able to pay on time every month.

3. Pay the Outstanding Balance

Unless you’re dealing with a very understanding collection agency, you probably won’t be able to get the collection account deleted from your credit report. Still, it doesn’t hurt to ask. In a “pay for delete” letter, as it’s known in the business, you can offer to pay the collection account in full in exchange for its removal from your credit report. Worst-case scenario? The agency turns you down and the account remains on your report, but potential lenders will still be able to see that you at least paid the balance due on the account.

4. Write a Goodwill Letter

Another possibility is to pen a letter to the collection agency, detailing the financial hardships that led to your account landing in collections. You will want to be specific about the particular circumstances, as well as the steps you have taken to regain your financial footing. Wrap up the letter with a request that the collection agency consider your special circumstances and delete the account from your credit report. If you do not hear anything within a few weeks, follow up with a phone call. Sometimes, persistence can pay off.

It’s important to also consider whether the account transferred to collections has been reported correctly. If it wasn’t — or the collection item belongs to someone else — you may have an excellent case for disputing that item with the credit bureaus. The pros at Ovation Credit would be happy to review your situation and, if necessary, file a dispute on your behalf. Reach out to our team and learn more about how we help consumers like you.

May 15

Debt Collection: Dealing with a Collection Agency

By Marketing | Collections, Debt

It is never fun when a bill gets sent to a debt collection agency. But, sometimes it puts the ball in your court and gives you a chance to achieve true credit repair. Whether you just couldn’t afford to pay your debt or you didn’t agree with it, once it is “in debt collections,” there is power in your hands.

Your Rights Against a Debt Collection Agency

There are many things you can do and say when dealing with a collection agency. First, you have the ability to make an offer to pay off the debt for less than the full amount. This could run down as low as 10 percent but it depends on how long the collection agency has tried to get you to pay it and what they paid for it.

It never hurts to make an offer. You can also negotiate a “pay for delete,” which means you clear the debt and get it taken off your credit report. With the help of a credit repair agency, this uncommon tactic becomes much more possible. It appears that the smaller agencies are more likely to agree than the larger ones.

Making Contact with a Debt Collection Agency

The debt collection agency will likely contact you before you realize you need to contact them. Or, the creditor you defaulted on will notify you first. You can send a cease and desist letter to force an end to any communication if you do not wish to deal with the agency. You also have the right to dispute the debt through the credit bureau(s) that list it on your file.

You should always start the communication off by confirming the amount you owe and requesting a written copy of these details. If the debt collection agency reports a different balance — a credit repair company can push for it to be removed from your file.

Making an Offer to Pay Off Collection Debt

In most cases, your main course of action is making a flat offer to pay off the debt. Agencies usually pay in the 25-50 percent range when purchasing your debt from the original creditor. Keep this in mind when making your offer. Make sure to only communicate in writing and start with a lower offer to see how they counter.

What you want to avoid is making a payment plan with the agency. This is actually bad for your credit report and score. It means that you will have an entry to bump the bad debt to the top of your report every month. You want the agency to report the debt as “paid as agreed,” as soon as possible as it can take two years before the damage wears off.

Differentiating the Types of Collection Agencies

There are two types of collection agencies that exist, the ones that operate in-house and the external companies that buy your debt. You have more leverage when working with an in-house agency. In some cases, it is even possible to restore your credit line once you cover your debt which looks better on your credit report.

Always confirm whether you are dealing with a first or third-party collection agency. This will tell you how much negotiation room you have when making an offer to pay off the debt. It also indicates whether you can do a “pay for delete,” or if you are better off approaching as someone unable to pay in full. Paying for a removal normally requires you to pay 100 percent of the initial debt.

How Collection’s Agencies Report Debt

You need to be very careful with how a collection agency handles your credit report. The balance, payment date, settlement terms and everything else must be accurate and timely recorded. You can dispute the debt with the respective credit report agencies if the information supplied by the collection agency doesn’t match the details of the debt on your credit report.

Your goal is to pay off any debt you truly owe and obtain a “paid as agreed,” comment on your credit file. This results in the lowest impact possible to your credit score and looks better when future lenders pull your file. You will notice a bump in your FICO score if you pay off a debt in collections that sat for a while.

You want to avoid having it show as anything else. You should also avoid paying off very old collections debt if possible. These entries only show on your file for seven years after the last delinquency date. You make the debt a new factor in your credit score calculation if it already stopped having an impact. Just send a cease and desist to stop further communication and wait for it to drop off your report.

Conclusion

Dealing with a collection agency is not all that bad. Even when you get the odd rude and aggressive one, it’s possible to stop the harassment. The key is to keep to written communication and log each interaction you have while watching for chances to dispute the debt.

A professional credit repair service can help you deal with collection agencies. If you need help removing a collections debt or paying it off cheaper, feel free to consult with Ovation Credit Repair to learn your options (complimentary consultation).

Sources:

www.creditcards.com/credit-card-news/pay-for-delete-shady-credit-report-cleanup-1264.php

www.nerdwallet.com/blog/finance/how-to-deal-with-debt-collectors/

www.wikihow.com/Deal-With-Collection-Agencies

www.gocleancredit.com/how-many-points-will-a-collection-affect-your-credit-score/

Feb 15

Moving Beyond Stall Letters

By Marketing | Ask a Credit Expert, Collections, Consumer Rights, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Your Credit

We hate to be the bearers of bad news, but credit companies have never been your best friend. One of the reasons may be the fact that they hold a lot of control over a certain item that many people are fearful about: the credit report. In a perfect world, creditors would report only correct information on our credit reports and all would account as it should. Unfortunately, this world is far from perfect, and any disputes that we may have are not easy ones to settle.

When filing a dispute, the most common item the consumer will receive is a “stall letter.” When disputes are submitted by consumers, the bureaus will send out a vague response that most commonly says something like, “We’ve already verified this item” or, “We find this dispute to be frivolous.” To frustrate a consumer further, they are not informed how the bureau came to that conclusion, but these are the only statements bureaus are allowed to make as efforts to reject a dispute. An investigation costs money for both the bureaus and creditors, and they will use every power within their means to halt a dispute in the early stages. This irritating tactic is often a defective deterrent that buys time or chases the consumer away.

Do not let their “frivolous” statements discourage your efforts to dispute. Once the credit company realizes that their stall letter is not working – which requires you to send another letter disputing the item more aggressively – what usually follows is a request for proof of your identity. By having proof of identification on hand ahead of time, you can respond immediately and thwart the credit company’s efforts to stall for extended lengths of time. Do not let their evasive methods fool you; these companies are required to look into your dispute and investigate it as many times as you deem necessary, whether you have proof or not. As a consumer, you have the right to verify the information on your credit report and the bureau is required by law to accommodate. The burden of proof lays on them, not on you.

As a consumer, although you have the right to dispute multiple items as you see fit, this is not typically the most effective maneuver. When several disputes are received at once, you are more likely to get stall letters than anything else. The bureau will attack with their frivolous statements once again, but this time they will have reason to believe that your disputes are frivolous or designed to misdirect. Multiple disputes may also trigger internal concerns that slow the whole process.

Our advice? Be smart about what you dispute as a consumer, but never shy away from keeping creditors on their toes.

Dec 14

The Rocky Road to Recovering from Bankruptcy in 4 Easy Steps

By Marketing | Bankruptcy, Collections, Credit Repair, Credit Scores, Your Credit

One of our favorite movies of all time is Rocky IV, where he defeats the unbeatable Drago. Rocky gets hit hard, but doesn’t give up, and because of his hard work and training, defeats his opponent. Recovering from a bankruptcy is a lot like Rocky’s journey (minus the cool soundtrack).

When you file for bankruptcy, it’s usually your last resort. You’ve been backed into a corner and the punches keep coming, but bankruptcy lets you get out of that corner and continue the fight. It’s time to put on the gloves and face that seemingly unbeatable foe and get started repairing your credit score.

4 Steps to Repairing Your Credit After Bankrupty

Examine Your Credit Report: The first step is to get a copy of your credit report and go over it with a fine-toothed comb. You need to check to make sure all the accounts were placed on the bankruptcy and that all the information is correct. There may be negative accounts on your credit report that were paid off prior to the bankruptcy which have inaccurate information or shouldn’t even be on it anymore. The bankruptcy will have a big impact on your credit score, so anything you can do to raise it by making sure everything on your report is correct only helps.

Create a Budget: If you declared bankruptcy, then you were in a negative debt situation to begin with. You need to create a realistic budget based on your income. This budget needs to include all bills and necessities as well as an amount dedicated to repairing your credit. You can use this to start a nest egg savings before applying for a new credit or use it to make payments on new credit.

Build Your Credit Score: Declaring bankruptcy doesn’t mean you will not be eligible for any credit at all. There are companies that specialize in providing credit, such as credit cards, to people with bad credit scores and bankruptcy. The company is taking a risk giving you credit, so the interest rates on these cards are high. You can also apply for a secured credit card, where you pay the credit amount first and they keep it on hand in case you default on the card. You have credit and the card will charge interest and report to the credit bureaus.

Note: Do not apply to several credit cards or other credit lines. Bankruptcy is a red flag for most creditors and will be difficult for you to be approved. Each time a creditor looks at your report, it can have an impact on your score. These are called hard inquiries.

Pay On Time: It takes 10 years for a bankruptcy to be taken off your credit score, so it’s important to build your credit the right way. Make sure you pay all of your bills on time because late payments create a negative impact. Do not get too much credit debt and keep your balances to about 10 percent of the total limit.

If you follow these steps, then the bankruptcy can be the inspiration needed to beat that unstoppable foe of debt and get your life back on track. You can give debt a K.O. if you are willing to be disciplined and fight to the finish.

Nov 21

Your Credit Blemishes Are Easier to Overcome Than an Impulsive Tattoo

By Marketing | Bankruptcy, Collections, Credit Repair, Credit Scores, Personal Finance

We all make mistakes. We order a regular soda instead of diet, we get a regrettable tattoo, and we miss a car payment. So, choke down some high fructose corn syrup, find the humor in the bright, new Mighty Mouse tattoo, and know that someday that blemish on your credit report will go away.

While credit reporting practices and scoring methods differ depending on the creditor, potential lender, and credit bureau, payment history is always one of the primary factors in a credit score. In FICO (Fair Isaac Corporation) scoring, payment history is weighted at a hefty 35% of a credit score, which is more significant than any other factor. In the VantageScore calculation used by the top three credit bureaus (TransUnion, Equifax, and Experian), the exact formula is a black box, but we know payment history is weighted in the 30% range and is again more important than other factors. Specific industries – like the mortgage industry and the automobile industry – have their own algorithms for credit scoring, but most use either the FICO or VantageScore as a starting point.

There are components of payment history that range from amount past due on an account to frequency and severity of payment tardiness to liens and court judgments. The weight of these factors on the payment history varies, since some creditors report immediately, some report based on a 2-3 rolling period, and some don’t report at all. To further complicate matters, some calculations look at the full seven years of credit history (FICO) and others at shorter periods like two years (VantageScore).

At Ovation, we advise our clients to assume all financial information will affect credit scores for seven years. Thus, all of us would do well to treat our credit score like our reputation or identity and take very good care of it. Tools like automatic bank payments can help to ensure our financial commitments are met on time. If a payment is missed, don’t wait to bring the account into good standing.

Credit scoring is confusing and complicated and sometimes frustrating for consumers. While the weight of a financial blemish is beyond our control, the blemish itself is well within our control – The easiest way to take control of our financial reputation and keep a solid credit score is to live within our means and make our payments on time. If a payment is missed, at least the ramifications are shorter term than impulsive ink!

Jun 15

How Long Can Information Be Reported On Your Credit Reports?

By Marketing | Bankruptcy, Collections, Consumer Rights, Credit Cards, Credit Laws, Credit Repair, Credit Reports, Fair Credit Reporting Act, Your Credit

One of the first credit repair steps involves removing information that is outdated. The problem is that many consumers cannot tell when information is outdated. On the surface, it seems like a simple exercise – just compare some dates. While that is correct, the more difficult part involves determining which dates to compare. The answers are provided in The Fair Credit Reporting Act, section 605. According to section 605, the following items may not be reported on your credit reports:

Bankruptcy: Cases under title 11 [United States Code] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
Civil suits, civil judgments, and records of arrest: Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
Paid tax liens: Paid tax liens which, from date of payment, antedate the report by more than seven years.
Collections and Chare Offs: Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
Other Adverse Items: Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

So What Are The Exceptions?

There are exceptions to these general rules. Most of the exceptions are based upon the use of the report. The general rules are not applicable in the case of any consumer credit report to be used in connection with the following:

Credit transactions involving, or which may reasonably be expected to involve, a principal amount of $150,000 or more;
Underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of $150,000 or more; or
Employment of any individual at an annual salary which equals, or which may reasonably be expected to equal $75,000, or more.

If you have ever wondered why there are so many different credit scoring models, this is one of the primary reasons. The information that is permitted to be included on the credit report can vary depending on what the credit report is being used for.

So When Does The Time Period Start?

In regards to bankruptcy, the 10 year period starts at the date of entry of the order for relief or the date of adjudication. In regards to the other items, the 7 year period begins, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Clear as mud, right?

So What Does This Mean?

In order to understand if items on your credit report are outdated, you need to understand how the dates are calculated. Remember, you should review your credit reports frequently for errors and signs of identity theft. It is not uncommon that dates are incorrect. In fact, in the case of debt collection, errors in the proper dates are very common. These errors may result in negative items being reported longer than necessary. Check the dates on your reports and verify that the information is correct. If you need help, give us a call – we would be happy to assist you.

Jun 09

Can Debt Collectors Contact Friends and Family Members?

By Marketing | Ask a Credit Expert, Collections, Consumer Rights, Credit Repair, Debt, End Debt Collector Abuse Act of 2010, Fair Debt Collection Practices Act

It is not uncommon for debt collectors to go to extreme measures in order to get information about a debtor. In fact, many debt collectors call friends and family members of debtors they are trying to reach. While this practice is permitted and regulated by the Fair Debt Collection Practices Act, it is frequently abused.

Are Debt Collectors Harassing You About Someone Else’s Debt?

Debt collectors are permitted to contact third parties for the purpose of acquiring location information about the debtor. Section 804 provides the following:

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer.

Debt collectors are prohibited from stating that such consumer owes any debt. They may not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. Debt collectors may not communicate by post card and they may not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

By the way, if the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney’s name and address, they may not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to the communication from the debt collector. In this case, family and friends may not be contacted at all.

How Can You Stop Debt Collectors from Harassing You About Someone Else’s Debt?

The purpose here is to allow debt collectors to try to obtain location information. That makes sense. However, many debt collectors abuse this provision to harass family members and friends in an effort to get the debtors to respond. This practice is unethical, and it is illegal. If you are being contacted by a debt collector regarding someone else’s debts, and the debt collector is violating the provisions above, let us know. We’ll help you locate an attorney in your area that can help protect you from this type of abuse.

Apr 22

Validation of Debt

By Marketing | Collections, Consumer Rights, Credit Laws, Debt

Under the Fair Debt Collection Practices Act, debt collectors have certain obligations when first communicating with a consumer about a debt. The debt collector must provide certain information within five days of the initial contact with the consumer. That information includes the amount of the debt and the name of the creditor to whom the debt is owed.

The debt collector must also provide certain statements within five days of the initial communication. The following statements are required:

A statement that the debt will be assumed to be valid by the debt collector unless the consumer, disputes the validity of the debt, or any portion thereof, the debt within thirty days after receipt of the notice;
A statement that the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed; and
A statement that the debt collector will provide the consumer with the name and address of the original creditor if different from the current creditor upon the consumer’s written request within the thirty-day period.

Keep in mind that a communication in the form of a formal pleading in a civil action is not considered an “initial communication.”

Validating the Debt:

If the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector must cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. The debt collector can satisfy this requirement by obtaining a copy of a judgment or other specific account information and mailing the information to the consumer.

Also, if the consumer has requested the name and address of the original creditor, the debt collector must cease collection of the debt, or any disputed portion thereof, until the debt collector obtains the name and address of the original creditor and that information is mailed to the consumer by the debt collector.

Debt collectors are allowed to proceed with lawful collection activity during the thirty day period prior to receipt of a dispute. Any collection activities and communication during the thirty day period may not overshadow or be inconsistent with the disclosure of the consumer’s right to dispute the debt or request the name and address of the original creditor.

What happens if the consumer does not demand validation of the debt within the thirty day period?

If the consumer does not dispute the validity of the debt during the thirty day period, the debt collector may assume that the debt is valid for collection purposes. However, the failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer.

What does this mean?

When you are contacted by a debt collector in regard to a debt that you allegedly owe, it does not mean that the debt collector has access to the information necessary to validate the debt. While some debt collectors have this information in advance of an initial contact, many debt collectors only attempt to validate a debt if the consumer requests during the thirty day period. If the debt cannot be validated, the debt collector must cease additional collection activity. Also, if a debt cannot be validated, the debt cannot be reported on your credit profile.

Jan 26

If I file Bankruptcy, I will not have to pay back my debt and my credit report will be wiped clean, correct?

By Marketing | Ask a Credit Expert, Bankruptcy, Collections, Credit Repair, Credit Reports, Credit Scores, Debt, Personal Finance, Your Credit

This is one of the biggest myths and misunderstandings with credit. When you file bankruptcy you are telling the court that you do not have enough money to pay your bills. Since you do not have enough money to pay your bills, you will have to include EVERYTHING in the bankruptcy and in return you can wipe away your debt and stop the collection calls. If you file a Chapter 7, then you debt is wiped away. If you file a Chapter 13, then you set up a payment program to pay a percentage of the money back to your creditors over the next 3-5 years. The debt may be gone or may be lowered dramatically and put in a payment plan and the creditor calls will stop, but remember the Bankruptcy as well as all of the creditors included in the bankruptcy will report on your credit report. All of your creditors (even positive accounts) will now report as Included in Bankruptcy, which reports in the same category as Charge off or Collection accounts. So, your debt may have been wiped away but you usually end up with an even lower credit score in its place.

Bankruptcy is not the end of the world. A bankruptcy does report for 10 years but sometimes it is the only way out. As a consumer you need to focus on rebuilding your credit after you file bankruptcy. In the last several years a lot of credit companies have changed their approval process and will approve consumers for credit after a bankruptcy. That is great news, so you can start rebuilding your credit, but start small.

After filing bankruptcy you want to check your credit reports as well and make sure that all of your creditors are reporting accurately. It is very common for creditors that are included in the bankruptcy to report the account as charge-off that is inaccurate information that can damage your credit score, so you need to get all information reporting inaccurately fixed. That is what Ovation Credit Services is here!

If you have any of these errors or have any questions about a bankruptcy you filed and how it is reporting, give Ovation Credit Services a call. Our Case Analysts would be happy to review your credit reports with you and make sure everything is reporting accurately. Call us at 1-866-639-3426 option 2 for your FREE Credit Consultation. During your free credit consultation we will also help you order your credit reports so we know exactly what is going on with your case.

If you have any questions for our Credit Expert Kristi Thornton, please email me at [email protected].

Nov 09

When I pay off a collection or charge off account, will it start reporting as paid in full and as a positive account?

By Marketing | Ask a Credit Expert, Collections, Consumer Rights, Credit Cards, Credit Laws, Credit Repair, Debt, Payment, Personal Finance, Your Credit

When you pay off a collection or charge off account on your credit report that is great. It is always in a consumer’s best interest to pay off their debt. However, a lot of consumers think that once the account is paid that it is no longer negative and has actually become positive. That would be great, unfortunately that is not the case, and it is still a negative account. The creditor should update your account on your credit report to show that it is paid in full or paid collection/charge off. By updating that information it will have a positive impact on your credit report and more importantly on your credit score. The amounts owed on your accounts is 30% of your credit score, so as you pay accounts off it will help to raise your credit score. By paying accounts off they no longer have such a bad impact on the credit score.

Your credit scores will improve when you pay off accounts because your reports will show you owe less money to creditors, it will stop the account from updating every month that it is not paid and it’s late, and it will keep the date of last activity as when it was paid. When the account is paid off it stops the activity on the account so that it will fall off of your credit reports 7 years (for most items) from the date of last activity. All collection, charge off, and late payments should come off your reports 7 years from the date of last activity. If you have accounts that have not updated as paid or have not come off your reports when they were supposed to, then give us a call.

If you have any other questions about items on your credit reports, how items are reporting, and when items will come off your credit reports, please call one of our Experts at Ovation Credit Services. Call 1-866-639-3426 and schedule a FREE credit consultation! Check out http://www.ovationcredit.com/howItWorks/howWeHelp.php to see other ways we can help! We are here to guide you to a BETTER Financial Future!

Nyaisha London

18:17 15 Sep 22

They are AMAZING! You can be straight forward with what you can afford, what your goals are and your past credit issues. They are the most patient and considerate credit repair service I have EVER called - and I called around ALOT. Eric Allison, to name one of the few angels that helped me, was outstanding! Thanks again for being so genuine! I definitely recommend Ovation Credit hands down!

Jason Van Slyke

18:39 02 Sep 22

Ovation has been working on my credit for less then a month and already items have been removed from my credit reports . Thanks to my case advisor Jenna Wright . Her expert knowledge of the credit dispute process has been the key factor in this process. I would recommend this program to anyone who has credit repair needs. Jenna has been available for me anytime to answer any questions I have and also has maintained constant contact with me throughout the process so far. Thank you Jenna and Ovation!

Sondra Seal

18:52 31 Aug 22

Do not hesitate trusting ovation. I was with another company and they did nothing. Someone suggested ovation and bam! Right out of the box they started working and fixing everything on my report.2 months all of my student loans are gone and you know it's not just 1 or 2. I had about 40 gone just gone. I have a few things left and the real work begins for me. I just can't believe what ovation has done for me!Do not hesitate!

Brenda Matthews

17:22 13 Jul 22

I am new to Ovation and from the beginning I felt welcomed and have had the sense that they have my needs at hand. I feel this will be the best decision I've made concerning my credit. The staff is Amazingly friendly!

Toni Griffin

18:09 11 Jul 22

Ms Jenna wright, I Toni Griffin, wanted to thank you for the time that you put with me on the phone helping on a credit matter I cannot thank ms Jenna, wright, enough. Ms, Jenna, listen to me crying I didn’t want bad credit. Ms. Jenna, wright, deserve a hundred stars. It needs to be more people like Ms, Jenna wright, in the world. Also I Toni Griffin, want to thank ovation credit for helping me Thur this.ovation credit made a good decision when ovation when they hired Ms. Jenna wright, well job done by ms Jenna, I cannot thank her enough for the help and time. It needs to be more people like ms, Jenna, wright . God bless her.she deserve a hundred star. Thank you Ms Jenna wright. From Toni Griffin,

Patrick Ferguson

17:22 13 Jun 22

I have been very pleased with the services provided for me. They have consistently stayed in contact with me and provided regular case reviews to let me know what was going on with my credit reports. And I have seen a significant increase in my credit scores since receiving their help. I would recommend their service for people who don’t have the knowledge to dispute items for themselves. They have also been very helpful in further educating me on the inner workings of the credit world and learning how to monitor my credit for myself.

Roger Lehet

11:46 05 Jun 22

The goal was to buy a house after my ex left me a credit mess. I had been doing everything I could on my own and simply had hit a wall. Ovation knew what I needed to do and how to dispute and clear past issues some the credit agencies simply hadn’t cleared. They were very supportive and now my credit is clean, a good score and I got my house. I recommend them to anyone trying to clean their credit historyRoger NC

Truth Hurts

17:04 25 May 22

Ovation has been great for me. They are very professional and kept me up to date on the progress of my situation. Kevin was very personable and patient in explaining next steps and the overall process. I simply got results and great customer service...a win/win.

neal sawyer

00:03 27 Apr 22

Kelly Flowers Is absolutely the best! She’s has been extremely helpful with me and knows what she’s talking about! She is very professional, kind and knew that I was trying to build up my credit and offered me 3 other trade lines to help build my credit (soft credit pull) without me even asking! She responds quickly to emails and calls and Ovation Credit services is a good company, even better with Kelly Flowers there.

Paul Stone

23:20 22 Mar 22

I give Ovation Credit a 4 star. I would have given this a 1 star rating to be honest however i received assistance from a great employee that changed this to a 4 star review.I have been using the services for about 6-7 months. I have had 5 different case advisors plus my current one. Over these past 6 months i have gotten little to know communication or guidance from Ovation on my current credit situation. That was until i was paired with Ms. Jenna Wright. Ms. Wright has restored the faith i have in Ovation to get the job done. I explained to her everything that has transpired so far since using their services. She was very understanding and made sure she went over every detail of my case with me. Unfortunately we discovered that my files got frozen in transit. It took 6 case workers to finally catch that, so i was a little annoyed by this. Ms. Wright made sure to fix the issue while also rectifying the issue of payments to the company for services rendered, or in this case the lack there of. Due to the professionalism of Ms. Wright i am giving Ovation Credit another chance and the time to attack my credit situation the right way. I hope to see a better outcome and with Ms. Wright i have faith it can be done. Thank you!

Danae Thomas

23:29 15 Mar 22

Having worked with a very poor company that charged me thousands of dollars in advance and then abandoned me (along with many others) I was guarded as to what I could expect- but I also knew I needed help. The price of digging out of trouble is actually quite reasonable- remember that first- even with the monthly bite as the work continues. Ovation Credit Services has remained in close contact, provided excellent follow-up, and positive support, along with transparency of actions on my behalf. Ovation escalated my case immediately with my first contact, as I had active and pending court-dates- having Creditors with dripping-fangs already dangerously close. Doing my own due diligence, I verified with my Case Manager, Gerri S. on how best to proceed and successfully resolved the impending situation with a settlement. The remaining issues are severe, but not quite as urgent, allowing for more strategy and I expect very positive solutions. My credit rating has already significantly improved and I am prepared to do all that I can to keep digging-out while trusting that Gerri S. has my best interests at heart. The decision must be made- first to seek the solution and also to accept the consequences of the actions that moms and dads and grand-parents warned us against. That is: If you're going to Dance, the Piper will be paid. If a magic-carpet ride is your best solution, it won't end well, but Ovation Credit Services are certainly not to blame. I expect to have my Credit Nightmare resolved in relatively short order, but remember, I've been at this- personally- for three years before I reached out to Ovation and I wish I'd done that first. Don't forget, it took more than a few years to get in the pit, DECIDE to get out and deal with the costs. Respectfully, Dae

Lauren P Foland

14:30 25 Feb 22

If you keep monitoring things, stay in close contact with your dedicated account manager who's working on your case, you can get great results. If you sign up, ignore their emails or requests for info...don't expect things to happen quick. Highly recommend their work. My account rep was courteous and very on top of my case.

Emily Weaver

23:49 16 Feb 22

I've reached my goal! All thanks to Ovation Credit Lending Services. I called them when my fiancé and I wanted to start house searching, my credit was too new and not very high score either. They set me up and explained everything, fast forward 1year and 8 months later, my husband and I bought out first house in Nov. of 2021 and I am needing to save a little more money. I called and asked to discontinue any further assistance with them and they closed out my case with zero issues. I am absolutely grateful for their help and keeping me in the loop and making sure all of my information is up to date once a month with an about 5 minute call and done. Thank you Ovation Credit Services, I will be calling y'all again if I ever need credit assistance again.

delfina lopez

07:22 08 Feb 22

I have nothing but great things to say about Ovation Credit. Kevin Winkler, firstly settled any distrust I may have had by talking me briefly through the process and setting the expectation. I have seen my credit score increase immensely. Kevin dug deep to dispute credit issues that I had no idea existed. Everything has been handled efficiently and professionally. I am extremely satisfied thus far.

Yvonne Nutting

18:57 05 Feb 22

Ovation Credit Services was extremely helpful in cleaning up my credit. Thanks to the team, I'm now in the market to purchase a house less than a year from when I signed up with them.Everyone I dealt with was professional, helpful, and kind, and I truly appreciate all of their hard work. I will be recommending Ovation Credit Services to my friends.

Mildred Farrington

15:56 27 Jan 22

Paul Moore was very professional. Took care of business. Always contacted me concerning my credit score. I highly recommend Ovation Credit Services. Very pleased and thanks! Things are looking good 👍

Jimmie Howard

23:57 28 Sep 21

I have been with Ovation for about 30 days and these hard working and very personal yet professional team of people have made a major impact on my credit I would highly recommend them to anyone trying to get there credit repaired without all the gimmicks!!!!! Thanks again for a job well done.

Philip Vargas

15:01 28 Sep 21

Gerri Has been great to work with she has definitely helped me submit a lot of paperwork on the back end that needed to be done And Help me get rid of all the hard credit checks on my credit report. My credit score still hasn't gone up only because I do need to pay down to the 30% utilization But that is my fault. Will continue to work with Ovation to improve my credit.

Tina Fay

19:28 21 Sep 21

Ovation did a great job fixing my credit and made it go up a 100 points!! The best credit repair company I ever worked with!! 👍🏻

Michael Irving

20:50 03 Sep 21

This company is a company who is great at what it does. I am pleased and would recommend it to anyone. Their expertise is exceptional and my credit has improved tremendously.

Olymary Perez

22:29 27 Aug 21

I had the pleasure of working with Maria Santos and the level of customer service she provided is unmatched. She was patient and took her time to explain every detail and believe me I had a lot of questions. We need more Maria’s in the customer service industry!

Mariely Leon

17:10 27 Aug 21

Credit matters are always so confusing and stressing I felt that It was so hard to even start fixing my credit rating but since I have been working with Ovation Credit I feel a lot more in control of my credit. Within the time working with Maria Santos from Ovation Credit she has help navigate with a better understanding all the items affecting my score. She has been so patient and diligent providing me with all the options, that I honestly couldn’t be more grateful. I would highly recommend Ovation Credit to anyone, that feels overwhelmed and needing the same help I got. You won’t regret it!

Pepper Jack

22:43 10 Aug 21

No one likes talking about their credit when it needs help, but Ovation has made that process almost enjoyable. Thank you to everyone at Ovation for your professional support, and your prompt/responsive attention to my credit needs.I will strongly recommend your services to others in the future. Major kudos to Caroline and everyone that works on my account!!!

NB Barry

05:13 18 Jun 21

Well,I just signed up,so far so good.I’m cautiously optimistic.When I first called the guy who tried to sign me up was really aggressive,very turned off.I tried again and had a better experience.I really don’t have many bad things on my credit report,but will see if they can get these charge offs removed.Haven’t spoke to my case worker yet,Sheondra Wells,but looking forward to cleaning this up.I understand they say 30/45 days before we hear back from credit bureau’s,hopefully we can move this slow drip along into something wonderful.Fingers crossed.Let’s do this!!!N.B.

Jennifer Gaito

01:37 09 Mar 21

Miss Lewis is exceptional at working with you on repairing your credit. She explained everything I needed to know in a high detailed and professional manner. My credit has improved since using ovation credit repair so I highly recommend. Thank you Miss Lewis for being so knowledgeable and helpful throughout this process.

16:02 08 Mar 21

Very happy with this company. Ms. Vetta Lewis is exceptional to work with. She provided an amazing teaching of how credit works and navigated the best way Ovation is able to assist in fixing your credit. I highly recommend if you are looking to repair blemishes on your credit report.

Raymond Beguhn

10:14 14 Feb 21

Having been a former member of Lexington Law, I needed to find an organization that would work for me and not the other way around. I paid out a lot of money to Lexington Law and outside of a few items that they were able to take care of, they really did not do what I asked them to do. Bottom line, a lot of money wasted for practically nothing to show for it. My hope is that Ovation Credit Services can accomplish a lot more than their predecessors did. I felt that they could and would do just what I needed them to do. If Ovation Credit Services can do as they promised, my credit is in good hands.

Shammara Anthony

22:55 04 Dec 20

Ovation Credit really works in helping you achieve your goals. Corinne is an awesome case manager, her actions are shown in my monthly rising credit score. Sebastian is a phenomenal Advisor. He helps guide you towards your Credit goals. I’m a very Satisfied Client. Thanks Ovation Credit Service Team !!!

Atheldra Dixon

16:28 23 Sep 20

Awesome sauce! Only been with Ovation a couple of months and the results are 👍🏽 great. Almost up 100+ points and still going up. Thanks 🙏🏽 ovation you guys rock 😊❤️😜 Mtinsely thank you for your personal attention to my file. Looking forward to continued success 😊

Drew Ledford

16:43 07 Sep 20

I would personally like to thank and send big shouts out to Ovation Credit Services which is a Lending tree Company and two of its finest representatives Mr. Michael Hodgkin and Mr.Jeremy Ortiz for their hard work, persistence and undeniable thorough efforts in serving their company and their clients such as myself with credit repair. My credit score has climbed about 40 points in about 2 months which is amazing! Thank you Mr.Michael and Mr.Jeremy tell your bosses you deserve a raise! And if they want to know why tell them to call me!

Mr. Arne Pirkanen

00:44 27 Aug 20

Very informative, with no hassles with my requests. When my time is right I will definitely use their services.

Diana Hauss

17:11 22 Aug 20

I had Jamie Hill she is the GREATEST. On top of everything got back to me right away. Helpful n taught me alot. The saddest part of this is she fixed my credit n I moved on. I will truely miss her. I hope n pray anyone who gets her will b so pleased to have. God bless her n keep her safe. Jamie thank you for all you did. Diana

sharon douglas

14:00 14 Aug 20

I have only been working with Mrs. Monica Tinsley from Ovation Credit Services for less than a month and she has done a tremendous job on helping me. I am so appreciative and grateful for her services. I thank you from the bottom of my heart. You are very Professional at what you do. Again I truly appreciate your support.

Steve Dorsan

16:21 11 Aug 20

Ovation has definitely worked for me. In about 2-3 months, Ovation has helped me increase my score almost 100 points. They're a great company, sometimes slow with customer service, but I don't know if that's due to COVID-19. In all they have helped me get closer to my goal and I can vouch for their services.

Joanne Dembro

19:40 08 Aug 20

We've been with Ovation for six months. I have seen a huge difference in my scores. It's gone from mid 500 to high 600. I wouldn't have been able to do it myself, so we're very pleased. At first I was thinking money, then seeing the results, oh my, over the top happiness.

Danelle Lemar

13:55 28 Jul 20

Mike Hodgkins is great to work with, he's very responsive and professional. He's very attentive and provides great customer service. He literally walks you through the process and keeps you very well informed.

Kristie Virga

18:28 12 Jul 20

I reached out for ovation services when I wanted to get my credit in line to refinance my student loans. I had 2 negatives which was Impacting my ability to do this. Ovation worked very hard with and always updated me for a year. I was finally able to refinance as of this month thanks to ovation. It’s was well worth the year wait.

Linda Marie

19:56 12 May 20

They have done miracles for me. I had some unknown reports and also had a stolen identity issue and they work wonders. I highly recommend Ovation, they keep in touch, explain everything and are very affordable. If you have credit issues, do yourself a favor and call Ovation!

benito serrano

23:02 01 May 20

I've only been with them a few months and have seen over 100 point improvement on my fico score. They follow up regularly to give me updates. Definitely better than other services I've tried before.

Marc Clawson

15:34 22 Apr 20

They did everything that they said they could.My credit was ruined due to identity theft in 2017.I found out about Ovation Credit Repair called and they were very helpful and had a lot of information That I didn’t know. I explained everything and they said not a problem they could handle it and they did. The only problem I have with them is having to send them credit reports for what I paid they should find an easier way to get that accomplished like in a text or easy email but all and all they did exactly what they said they were going to do and I now have excellent credit. Thanks Ovation CreditMC

Joseph Miller

10:41 22 Apr 20

Great company to work with that will help remove creditors that shouldn't be on your credit. Ms.Susan McCoy has been so wonderful to with. (If you can request someone to work with you, I would request her!!) She keeps in contact with you by emails & phone calls to just check in to see how things are going & if she can help with anything else. She definitely does her part in helping get things removed from your credit report. It's only been acouple months working with Ms. McCoy, but we have gotten alot removed from my credit report. BIG THANK YOU to Ms. Susan McCoy @ Ovations Credit Services.

Elizabeth Valdez

22:21 31 Mar 20

Within 2 month's there has been negative items deleted from my credit report and my credit score went up some. This is a good company to help people that have items in there credit report that doesn't belong there. Monica Tinsley is my credit advisor, she has been helping me every step of the way. So come on you'll, give this company a try.

maria camacho-rojas

16:24 25 Mar 20

I just want to say how appreciative I am to Ovation. Maria Murlanda has been nothing but helpful and worked hard (still working hard) to help me reach my goal. My credit just increased 103 points! At first, I was bit uneasy about the process but having the patience and trust in my Credit Advisor is probably one of the best decisions I’ve ever done. Just an FYI, this is not done over night. My husband’s credit is also rising and we are steps closer to getting our first house together! Thank you so much Ovation for working hard for your clients and to Maria.. you are amazing!!!

Genocide Inside

22:37 06 Mar 20

I had a negative mark on my credit which was making it difficult to start building good credit as a young guy, and Ovation was able to remove my negative mark on every bureau's report fairly quickly. My case advisor Monica Tinsley was efficient, knowledgeable, and quick to answer when I sent her emails. She always made sure to keep the ball rolling on my disputes so that no time was wasted. I would recommend their service to anyone who would like a clean slate on their credit reports.

Serina Marie

08:43 30 Jan 20

I just want to say I am very very happy with this company as I used to have Lexington Law and they were a complete rip off no wonder they’re being sued if people don’t know. I have literally may not even two payments and my credit score has went from A little over 400 to 600 already and that is at the lowest plan they have available I was now able to be approved for a capital one card for $500 with a great interest rate they give you your own credit advisor always call you back if you need them and you can’t reach anyone at the time without this company and having a new baby on the way I would not have been able to finally start getting my credit back to where it used to be shot outs to ben, Paul And Cheryl my credit counselor. I would recommend this company to anyone and I have been because of them I’m finally getting my life back on track in such a short period of time it all depends on how much of course you have on your credit report that you need to have taken off but they’ve been excellent. Not only that they try to get things done as quick as possible so you don’t have to keep paying for a long period of time they really work hard for you and I appreciate everything they’ve done for me in such a short period of time. Thank you all so much!!!

Demetrius McDade (DCPS)

21:05 28 Jan 20

The case adviser was competent and professional. She is getting me back on track and is vigorously, restoring my confidence/credit back. She is assume and everyone who is trying to restore their credit back, should consult with her ! Her name is Annette Stephens and she is the best.

Ariel F

02:28 23 Jan 20

I joined for 4 months and they have been able to send disputes and get so many negative items removed raising my credit score over 75 points. I have seen my score jump up each month consistently. I would definitely recommend if you are trying to get on track with raising your credit score.

Charlot McKinney-Mobley

03:49 16 Jan 20

I signed up with Ovation in July I needed to get a car loan. I was turned down due to my low credit score. I in December of 2019 I was able to get a loan for new 2019 Camry. Love the service!!

stanley jordan

23:49 14 Jan 20

I’m very blessed to have Ovation Credit Repair to be working on my credit report. Less than 4 months my credit went from 500 to 653 and the progress is still going up. 47 more points and I can get that loan I’ve been trying to get. Thanks Team Ovation

Stanley Jordan

23:38 14 Jan 20

I got a email from Lending Tree saying that I am pre-approved for a loan. After learning that I had some credit issues, I got in touch with Ovation Credit Repair I had 5 negatives and 7 inquiries on my report. After being a client of Ovation Credit Repair, within 3 months my credit went from the low 500 to 653 and it’s still going up. Thanks team Ovation for the work you guys are doing and continue to do for me. TWO THUMBS UP!

Patsy Filippone

21:39 16 Dec 19

After having some issues that I considered to be very serious, Ovation Credit Services reached out to me and stepped up and not only fix the issues, but offered their services at a discounted rate for the future if I needed them. Christina is one of the best representative for a company than I have ever dealt with. Not only did she show personal interest in my situation, she followed through with everything that she promised. I'm very satisfied.

FADHIL HUSSEIN

22:14 12 Dec 19

I have had issues with my credit score, I asked around and friend of mine referred Ovation credit services to me with emphasis to ask about Susan McCoy to be my caseworker, Susan McCoy was nice, courteous respectful and the most important parts she is honest, she explained to me that she will file the disputes and I need to be patient, it could take a few months and she will do her best, well her best was amazing after two weeks of her working on my case my numbers jumped from low 600's to 750's, all the disputes went through, I was shocked, happy and forever gracious.Thank you Susan you are the best.

DEBBIE BRITT

22:07 05 Dec 19

In my previous line of work , I would refer people to credit repair places. I quit doing that because I would get bad feedback on the places . Life changes and I found myself in need of credit repair. Ovation not only fixed my reports but I still retain them a year later because they are spot on in watching and making sure nothing negative is put on there. I recently was a victim of fraud and Ovation called me to ask why so many inquiries recently? Very very pleased with Ovation!Kudos to my guy Nick. Patient man is all I can say ! Great company that gets results !!!Debbi Britt

Linda Lorvanis

14:39 25 Nov 19

I AM VERY HAPPY!!!! I was hesitant at first but working with Gerri as been a great experience, our communication is always open and prompt. Ovation Credit has shown me that It's never too late to establish and repair your credit. I appreciate you Gerri. 🙂 Thank you

Go Haard

20:33 11 Nov 19

Great customer service! Definitely recommend to anyone who needs service. Thank you Adam Coston, I appreciate you!

Ed Comfort

17:59 26 Oct 19

Susan McCoy is an amazingly kind and caring lady! She helped us navigate through a number of old debts thereby increasing our FICO score from low 400s to over 680 in under 3 months! We have now qualified for a 0% down VA home loan which will CLOSE less than 5 months after working with Susan. Our credit repair coalition with Susan ran flawlessly with absolutely amazingly quick-term resolution! There are no words to express the gratitude we owe to Susan and to her amazing resources within Ovation Credit. Thank you so much for all you've done for us!

Shadi Omeish

19:31 23 Oct 19

I was looking for a company to fix my score credit since there was only one late payment from almost 10 years ago and i did not know that was the reason pulling my score down. The process and communication was amazing and Jenny Owen did an amazing job. After three months my credit score is up ! even when i decided to close my account the process and follow up was amazing ! i would recommend Ovation Credit Services and Jenny Owen

# .

15:12 09 Oct 19

Michael Gunter

15:14 23 Aug 19

I've been a member of Ovation Credit Services for the past four months and overall my experience has been positive. Rose Marie has been filing disputes on my credit reports for the past few months and helped my credit reports return to a clean slate. I had one collections account reported to all three credit bureaus. Now, all of my credit scores are in the 700s and I can move on with my life. I certainly recommend Ovation Credit Services.

23:47 22 Aug 19

I've been a member of Ovation Credit Services for the past four months and overall my experience has been positive. Rose Marie has been filing disputes on my credit reports for the past few months and helped my credit reports return to a clean slate. I had one collections account reported to all three credit bureaus and I honestly didn't want to wait seven years for the collections account to fall off. Now, all of my credit scores are in the 700s and I can move on with my life. I certainly recommend Ovation Credit Services.

Faber Gutierrez Medina

17:56 22 Jul 19

I made the right decision by choosing to fix my credit with Ovation Credit Services. it’s only been a couple of months, however, great progress and bettering each month forward. my selected Case Advisor, Monica Tinsley has been extremely helpful and proactive at sending out disputes and getting bad remarks off from my report. thank you so much for your help. highly recommend.

Natalie Logan

14:57 11 Jul 19

Extremely helpful service to improve your credit score. The people I have spoken with over the phone have all been thorough and effective in helping my credit score. I would recommend them to anyone looking for this type of service.

Valerie Romero

20:00 08 Jul 19

I started with Ovation Credit Service back in 2017. I was in need of getting my credit back on track, within months I saw my credit score on the raise. Now in 2019 I feel confident with my credit. Ovation was so easy to work with and the monthly payments which were quite reasonable, were well worth it. So if your feeling that there is just no way of getting your credit repaired call Ovation Credit Service and feel good again about yourself and your credit score. Get your credit repaired and your life back on track. Don't hesitate they can help you.

Michele Soplata

19:37 08 Jul 19

I first want to say how happy I am with Gerri. We have had a lot of laughs together which has made me feel very comfortable with her. We are now down to one credit bureau and I am so grateful. It is perfect timing because I am looking to move to Santa Rosa to be closer to my son. I would give her a 10 on a scale of 1-10 or 5 on a scale of 1-5. Thank you Ovation Credit Services I will recommend your services to other people. Thanks, so much Michele Soplata

Richard Wells

17:29 22 Jun 19

I am extremely happy with the service that I received from Ovation Credit. My credit score jumped over a 100 points in only eight months, and I was able to get the loan I needed to consolidate my debts at a much better interest rate. Everyone overseeing my case was friendly, knowledgeable and stayed in consistent communication with me. I would definitely recommend this agency!

Queen Plummer

13:26 18 Jun 19

Thank you so much Annette. Very warm to talk too. Knowledgeable and patient. She explains everything to me and guiding me through. Awesome service.! 😊

13:25 18 Jun 19

Brian Balczak

19:49 13 Jun 19

I am very happy with the progress Ovation is making on my credit score so far. Only 3 months in and they have had more than 15 negative reports removed from my Credit Report. I started with a FICO score of under 620 and after 3 months it is over 670 and still potential to climb. Special thanks to my Case Adviser PAUL MOORE JR., who is doing a great job leading me through this journey and providing excellent advice and tips along the way.

Austin Knight

05:35 13 Jun 19

I am extremely happy with the service that I received from Ovation Credit. My credit score jumped! Nick Rosamilia is absolutely AMAZING! He has been nothing but friendly, knowledgeable and stays in consistent communication about updates. I would definitely recommend this agency!

Meagan Parks

17:55 30 May 19

I am extremely happy with the service that I received from Ovation Credit. My credit score jumped almost a 100 points and I only had the service for two month! Paul Moore was absolutely AMAZING! He was friendly, knowledgeable and stayed in consistent communication with me. I would definitely recommend this agency!

Lori Limón

03:56 18 May 19

After reviewing various companies that could help us improve our credit scores, we were lucky enough to find Gerri at Ovation Credit Services. From the first phone call, we knew we were in good hands and she was really going to make a difference in our lives. Finding someone who you can trust and is sincerely help you with this sensitive subject is a huge relief. Things are already improving and the entire process is made a million times better working with someone who has a smile strongly come thru!

Win King 77

19:40 04 May 19

I had an incredible experience with Ovation Credit Services. I was able to purchase my first home with their assistance. My counselor worked diligently to keep me informed about the progress with my case. She also educated me about the most effective ways to continue to increase my credit score.

Chris Mitchell

22:12 15 Apr 19

Ovation went all out to help me save my credit rating, and did a great job of restoring my rating to a very high level. I would and have recommended this company to anyone . My hat is off to L.A. Williams especially for her efforts to help me out of a deep hole. Thanks again

Christine Boyle

17:01 15 Apr 19

My husband and I are preparing to buy our first home and wanted to our credit reviewed by professionals. We did our research and found Ovation best suited our needs. Best decision we could have made. We were lucky enough to get Dale Moore as our counselor and hope that you go the extra mile and try and request him. Dale makes you feel like you are his only client which in today's world is very rare. We are happy to say that our credit scores are hugely improved and are on schedule to buy this summer. Thank you Dale and thank you Ovation!!

joshua gauntt

20:55 27 Mar 19

When I first started my subscription with this company I was a little hesitant but after six to eight months my credit score went from a 520 when I started to a 700. 90$ month is a little steep but they actually work if you have patience and send them all the information they ask for they will do exactly as they promised I highly recommend this service if you can't get your credit fixed

Sandra Evadne

18:00 27 Mar 19

Jenny is very helpful. Everytime there’s an update on my account she emails me. Whenever something happens whether she s making an inquiry or the credit companies update her she lets me know. Looking forward to seeing my credit score rise as I’ve only been with them a month. So far everything is going good.

Ed A

22:56 24 Mar 19

Amazing service! They do exactly what they say they are going to do. I was able to get loan I was trying to get. Friendly and helpful customer service. I would recommend to everyone I know.

Darla Watrous

11:56 10 Mar 19

Ovation credit services a Lending Tree company has been such a blessing to me. My personal creditor Chad Self, has gone the extra mile in being personable and kind to me. I would like to point out that I had hired a different company in the past for a lesser rate and got exactly that... a cut-rate service and did not feel like I was a valued member.With Ovation, I feel like my investment is worth so much more than the monthly dues. Not only do they help repair negative items on your credit but by partnering with Lending Tree they can help you establish credit and qualify for loans as well. More bang for your buck folks! As well, they have a referral program. So be sure to tell them that Darla Watrous sent you. I'm serious folks, best credit decision I've ever made! As well as the top of the line customer service. Every time I hang up the phone I feel like I just spoke with an old friend. The saying is true, "You get what you pay for!" Thank you kindly to all involved in handling my case. I know if they can help me they can help you too. Don't forget to use my name and tell your friends.

Ruth Benardo

20:20 28 Feb 19

So far Ovations has been very good at letting me know what's going on with my accounts. Paul Moore Jr has been very helpful with all my questions and concerns. I am very happy with everything that has been done. Ovation is helping me achieve my goal of buying a house and I am very confident that they will do that.

Richard Fischman

15:45 16 Feb 19

My case adviser Rose Marie is absolutely incredible. She is extremely through. Under her expertise my credit score increased an amazing hitting over 700 which allowed me to purchase 2 new cars at low interest rates. Thank you Rose Marie and Ovation Credit Services for a job well done!

pamela Smith

21:41 31 Jan 19

I can't express how happy I've been with Ovation. I feel like Paul is my personal cheerleader and he is as happy as I am every time we make progress. I would recommend Ovation (and Paul) to anyone!

kevin mauldin

11:28 04 Jan 19

I started out being skeptical about this company even after doing my research on this company, but i hung in there, stayed patient and followed their directions and it paid off tremendously. My credit score has risen and i can see the results from my credit score and i was very pleased with the staff and my case advisor who has helped me gain the credit power that i wanted and needed. I couldn't have done this so thoroughly on my own, it would have been very time consuming for me. Now that I have ended my membership with ovation credit services, I can move forward on my own and apply all the techniques that i have been taught by this company. Thank you all at ovation for changing my financial credit ability to a positive.

David Kamara

23:18 20 Dec 18

Thanks to Ms. Lou Ann Willams , my Ovation experience has been a joyously memorable one. I am thankful that she has and is continuing to help me attain my goals with credit. She provides the utmost motivation and dedication to her clients and allows her results to speak for her work, and they are magnificent. Ovation Credit Services has been not just a credit saver but a life saver too. Thank you Ms. Lou Ann, Thank You Ovation. Keep up the phenomenal work.

Kirby Guinn

22:32 10 Dec 18

This by far has been one of the best experiences. Mrs. Stephens has (A. Stephens) been there always to either answer a simple question or walk me through this process. I would recommend this company to anyone who needs a little love on their credit.

Marquita Lawrence

19:55 07 Dec 18

I have been working with Mr. Paul Moore via Ovation and he has been very helpful and keeps me abreast of whats going on. I am still nervous about my credit clearing and getting to where it needs to be because I am in the process of buying a home and have seen my score decrease due to this process. However, Paul has assured me that all is well and my score will increase and things will get back to normal. I am looking forward to seeing a positive end result.

rhonda7wilson

22:34 06 Dec 18

Hello all, since 10/2018....my credit was in the 500 range..I was skeptical about ovation, but after speaking with Mr. Paul Moore. I am now looking forward to better days, Ovation has disputed several items and inquiries. I now have a credit card and my scores are rising, I highly recommend this service to Restore your credit. The best hands down!!!!

A Google User

13:03 06 Dec 18

I just want to thank Paul Moore for always staying in top of improving my life.. thank you for keeping me calm all through the process for a better life. Love y’all keep up the good work.

Brenda Dominguez

21:52 29 Nov 18

So happy with Ovation!! :)Kevin Winkler is my case manager. I am so pleased with his efforts and hard work. He is always kind, friendly and answers all my questions. Keeps me well updated with the status. I am very satisfied with the progress. I highly recommend this company.

Jessie Jarrell

17:01 29 Nov 18

I can't believe how quickly my credit score skyrocketed thanks to ovation credit services. They promptly replied to any questions I had and made it a very easy experience for me. Ceiria was my agent and she did an excellent job and was friendly and professional. Thanks!!!

Tracy Canup

15:12 28 Nov 18

Over the last two months with the help of Ovation, I have increased my credit score over 100 points on all 3 bureaus. I went from no way ever being able to get a loan to actually being able to replace my 13 year old vehicle and possibly buying a house. It also took effort on my part but it has been the best decision I could make.

Susan Reed

12:40 16 Nov 18

This company is great! It certainly is NOT TRUE that this company is a scam...Geri is working hard for myself and my partner. They really get things removed off your credit and help you get started to rebuild it by recommending things for you to do. I had alot of medical bills and student loans. I highly recommend this company, its amazing!!!! You won't be disappointed, and there are different payment plans, you even get a discount for friends and family....Give it a try.... You do have to be patient, it is a process and it does take time...

12:27 16 Nov 18

This company is great! Geri is working hard for me and my partner. They really get things removed off your credit and help you get started to rebuild it... I highly recommend them to anyone, amazing!!!! You won't be disappointed, and there are different payment plans, you even get a discount for friends and family....Give it a try.... You do have to be patient, it is a process and it does take time...

Sharon O'daniel

23:55 15 Nov 18

I love this place they're doing their best to get my credit situated and they are working extremely hard on this. Yes it does cost money but it'll be worth it in the end if they can get my credit cleared up. I'm going to give them 3 months and if they don't get it cleared up in 3 months then I will cancel it I don't think it should take any longer than 3 months to clear up my credit. Everyone is so helpful and nice friendly and always there to help you.

Josh Stepp

20:51 14 Nov 18

Very happy with Ovation! Amanda Hines is my case manager and she has been extremely diligent in the handling of my case. They are always available for questions and pleasant to deal with and have worked miracles on my credit score! 5/5 would recommend to anyone who is serious about fixing their credit.

michael sanchez

19:45 14 Nov 18

Ovation did such a great job for me . I would highly recommend their service . They repaired my credit history quickly at at a very nominal cost . 5 stars all the way .

Jeff Knudtson

19:33 13 Nov 18

Ovation is the real deal. They really helped me get back on track and made a huge difference in my life and finances. Highly recommended.

Jermaine Watson

20:49 12 Nov 18

My wife and I started in 2016 and purchased our second house this year. The key to our success was patience. We also did a lot of studying on our own about credit and made it our priority to ask Amanda questions. Any responses we get in the mail we send them to Amanda. I will be honest, I was getting frustrated after a year and asked my wife to cancel the service several times, I'm glad she didn't 🙂 . We still have some negative items, but mainly just student loans. We used Lexington Law in the past and they have a pretty nice portal so I'm giving this company 4 stars, they need to update their online portal, I don't like it, but other than that Ovation Credit, Lendingtree did what they said they would...Help us get a house with a low interest rate!

Kathleen Robst

16:28 12 Nov 18

They really helped us and the employees were very helpful and considerate. It’s a process but we’re on our way thanks to them.

Elaine Whited

16:15 12 Nov 18

Comprehensive positive support in correcting and updateing credit situation. Very effective and informative.

Amanda Miller

04:56 18 Oct 18

While, Ovation credit, did nothing for my credit personally, they helped my husband's immensely. He has a fabulous credit rating now. We both have since canceled, I am under my maiden name on this review, so you will not be able to find me. But my husband and I canceled a month or so ago, and they instantly got us all squared away, and were not charged another penny. They work for some and not for others. I guess I can say that about many things. I would recommend giving them a shot...

Jay Edgar

05:52 22 Aug 18

Ovation cleared out my credit problems in a very timely and professional manner. Highly recommended!

Javier Talavera

22:38 12 Aug 18

This is the best Money that I ever spent . They are just awesome and for half the price of the competition.

Chris Beal

16:16 06 Aug 18

I had such a great experience with Ovation Credit Services. They were able to clear almost every negative mark off my credit and t went from a 395 to 650. I know it will keep going up if I pay bill on time.

Brittany Hagen

17:51 08 May 18

I’ve been using ovation since 5-01 and it is now 5-08 and I’m getting emails from my credit report site saying “your score has improved” I’m up 40 points (yours will vary) and so thankful for ovation and how quick they are!! My consult is awesome my free consultation was super quick and they are so friendly i never thought i would get a quick laugh in over repairing credit. I can not wait to see how high i can get my credit with these people. They even offer discounts to your friends and family for referring them!! I can’t wait to take advantage of that

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17:07 12 Mar 18

Ovation did a good job for me. They were prompt with all actions designed to help my credit score. Ovation communicated with me on a daily basis. They were professional and very nice folks. Thank you very much

Bethany Blanton

03:34 13 Feb 18

I have been working with Gerri Swiber for a short time and so far am very pleased with this experience. She has already dedicated a lot of work to helping me and I am already beginning to see some results. She is very professional and I am very thankful to have this program to help improve my credit. Brian Hasty

Jesse James

18:26 19 Jan 18

I didn't believe that it could work especially with all the scams out there, but it does work. I signed up last year in January and since then i have had 42 things on my credit either removed or updated to show correctly on my credit report. I now have 3 credit cards, and will be purchasing a house this year!!!

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