• MONTHLY FEE: $79.00
  • FIRST WORK FEE: $89.00
  • DISCOUNTS: Couples, Military, Senior Citizens
  • CUSTOMER SERVICE: Phone Support, Monday-Saturday

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2022’s Ovation Credit Repair Reviews (Accurate & Clear)

2022’s Ovation Credit Repair Reviews (Accurate & Clear)

minimum price:


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  • MONTHLY FEE: $79.00
  • FIRST WORK FEE: $89.00
  • DISCOUNTS: Couples, Military, Senior Citizens
  • CUSTOMER SERVICE: Phone Support, Monday-Saturday

Best For

Clients With Standard and Non-Complex Credit Issues


  • Multiple discounts
  • Tracking mobile app
  • User-friendly website
  • Free first-time one-on-one credit consultation


  • Lack of well-established experience
  • Lack of specific techniques in dealing with creditors and debt collections

An industry leader and a top choice for users, Ovation is a quality credit repair company. Accredited in 2004, the outfit has been doing business for more than a decade. It was founded by LendingTree — a leading online source for home loans, refinancing, and automotive loans.

With an A+ BBB rating, Ovation has partnered up with LendingTree and TransUnion to improve their clients’ abilities to live a better credit life. By offering a free consultation and credit report summary, Ovation credit repair reviews prove that they are there to help.

In this Ovation credit review, we will look at the following main points:

  • Services and Offers
  • Service Levels and Pricing
  • Recommended Users
  • Process of Using the Services
  • Terms and Conditions (Fine Print)
  • Pros and Cons
  • Customer Reviews
  • Comparisons with Competitors
  • FAQs

Ovation Credit Services & Offers

So, let’s start by answering the most important question: How much does the Ovation credit repair service cost? The company offers two service packages which we’ll discuss in detail in the following paragraphs.

Service Levels & Pricing

Essentials Plan

Overview: The Essentials Plan includes all basic Ovation credit restoration services that allow credit disputes and the correction of inaccurate information. With this plan clients will receive:

  • A personal case advisor
  • Personalized dispute options
  • Financial management tools that include services from debt payments to budgeting.

Fee: $89 first work fee and $79 monthly fee

Recommended for: Clients with standard and non-complex credit issues, such as minor disputes or few information inaccuracies.

Essentials Plus Plan

Overview: The Essentials plus plan is the most popular level chosen by clients. It offers credit restoration services such as handling credit disputes, credit monitoring and receiving a personal case advisor. It includes all services included in the Essentials plan plus a few extras.

On top of all the core credit support services, this plan covers:

  • Unlimited challenge validation letters
  • Unlimited creditor goodwill letters
  • Official ovation recommendation letter
  • Transunion credit monitoring

The Ovation credit repair services included in this package address incorrect information on reports, alert you in case someone is attempting identity theft, and assist in future loan applications.

Fee: $89 first work fee and $109 monthly fee

Recommended for: Clients with a more complex and negative credit report who need extra help with credit issues.

Ovation Credit Additional Services

Ovation Credit prides themselves on providing affordable and customizable services and disputes with same-day availability. Clients have the option of customizing their credit repair plans.

  • Educational Services

Ovation credit education services are mostly free. The vendor provides information on mortgages, credit cards, interest rates, and other financial topics.

  • Credit Monitoring

This service provides clients with a free credit consultation with an expert credit analyst. After the review, an in-depth report of costs and services needed will be recommended. This might include Ovation credit identity theft protection, correction of erroneous data, and other solutions that come with credit monitoring.

  • Credit Consultation

A free first-time one-on-one consultation with an expert credit analyst will review your credit report and answer questions about mortgage preparations, debt violations, loan qualification, etc.

  • Discounts

Depending on the circumstances, you might be eligible for an Ovation credit discount. Couples receive 20% off, while military personnel and veterans, as well as senior citizens, get a 10% discount.

When clients move over from a competitor, they’ll receive $50 credit. A credit between $30 and $50 is given for referrals.

Ease of Use

Ovation credit provides an extremely easy-to-use and modern website. You can either phone them directly on 1-866-639-3426 or apply for a free credit consultation online. The information you need to provide is your full name, email address, phone number, and zip code. A credit analyst will give you a call within 24 hours.

The company has multiple social media accounts that make communication and information sharing extremely accessible.

In addition, you can download the free Ovation credit app where you can track your account’s progress while monitoring any changes.


Ovation credit has a strict privacy policy to ensure their clients’ security. LendingTree LLC owns and operates the Ovation credit repair software and website. They follow a GLBA consumer privacy disclosure. The site collects information that’s provided by the user, service providers, as well as cookies and tracking technology.

LendingTree guarantees that industry security measures are followed to safeguard information from unauthorized access. To assist with information changes or any other discrepancies, users can contact the Ovation credit client portal for help.

Ovation Customer Reviews & Ratings

Ovation Credit BBB Ratings

The Ovation credit reviews at BBB show that the company has an A+ rating since its accreditation on September 13, 2004.

More than 70% of the Ovation credit customer reviews we came across were positive, with 4-5 star ratings. While the remaining 30% were negative, the overall impression is that the company is trying to resolve any disputes.

Just under 30 Ovation credit repair complaints have been filed on the BBB platform in the last 3 years. 19 of those were filed and closed within the last 12 months. 20 complaints were about billing/collections, 3 about advertising/sales, and only 6 about service.

The Ovation credit customer reviews are excellent on a variety of other platforms. On Trustpilot.com, the company scores a rating of 4.8/5 from 79 reviews. On Consumeraffairs.com, it boasts a 4.3/5 rating, based on 328 votes. Its Google review rating meanwhile stands at 3.9/5 with 286 reviews.

Ovation Credit Services vs Competitors

Ovation Credit Repair vs Sky Blue Credit

Both of these high rated credit repair services provide affordable pricing. Sky Blue has a 90-day money-back guarantee whereas Ovation offers many discounts. Although Ovation credit has a high initial fee they offer many extra services that Sky Blue credit doesn’t.

Ovation Credit Repair vs CreditRepair.com

Both services have affordable options, credit monitoring, and identity theft extras. CreditRepair.com’s most affordable option comes with a low guarantee of results. Even though Ovation has an expensive initial fee, the Ovation credit discounts help drive down the cost.

Ovation Credit Repair vs Lexington Law

Lexington Law has a minimum guarantee of an outcome and is much more expensive than Ovation. Ovation provides many discounts and affordable package options that are easy to understand.

Interested to learn more about where Ovation stands on the credit repair market? Check our compilation of 2022’s top-rated credit repair companies.

Wrap Up

Judging by multiple Ovation credit repair reviews, it is clear that this company values its customer’s feedback. Trying to improve all credit repair programs and adjust available services to best fit their customer’s needs.

If you’re looking for a trustworthy credit repair service, then Ovation is a great choice.


What are the Ovation Credit customer service hours?

Customer service hours are from Monday to Friday, from 8:00 am to 21:00 pm. They work from 9:00 am to 5:30 pm on Saturdays and are closed on Sundays.

What is the average credit repair program duration?

On average, clients use the service between 3-6 months for professional results. However, Ovation doesn’t make any claims on how long the process will be since it depends on the situation.

Does the company offer any discounts for family members, military, students?

Some discounts are offered to eligible members. Ovation credit offers a 20% discount for couples that are working on their credit together. A $50 credit is given to any member who switches from a competitor. Senior citizens and military personnel are also eligible for a 10-20% discount. They also have a variety of different coupons available online. Users can get up to 25% off of services.

Is there a referral program in place?

Yes, Ovation has a decent affiliate program in place that offers users a free credit of up to $50.

Does Ovation credit offer a money-back guarantee?

There isn’t a money-back option since the initial consultation is FREE of charge. When drafting our review, however, Ovation credit repair reviews show that if you do want to cancel your membership, you can do so and won’t be charged for that month’s services.