Ovation is a professional credit repair service. They will work to remove questionable information from your credit report. These items include: debt collections, judgments, charge-offs, liens, and many more. Ovation is going to work using the Fair Credit Reporting Act.
This law says that you can dispute any item on your credit report that you believe is incorrect. And the credit bureaus are required to investigate your dispute. If the credit bureaus are unable to validate the item on your credit report with the original creditor or lender. Then they are required to remove it from your credit report.
How Does The Ovation Credit Repair Services Work?
1. You must first sign up by visiting http://www.ovationcredit.com/
You will have 2 levels of service to choose from. The Essentials Program which starts at $49 per month. And you are required to pay $89 as a first work fee. Or instead you can choose the Essentials Plus Program which comes in at a cost of $69 monthly with an $89 first work fee.
These are standard industry prices. You may be able to find a service for a few dollars cheaper and maybe not. You are provided a no risk refund policy should you be unhappy with the work of Ovation credit repair. You can cancel your service during any month and you will not be charged.
2. Get all 3 of your credit reports
The next step is to get a copy of all 3 of your credit reports. You are entitled to one free copy from each major credit bureau, every year. You can request your free credit report by visiting annualcreditreport.com. If you are not eligible for your free credit report then you will be required to purchase your credit report. This is standard operating procedure for credit repair services.
Why Do They Need All 3 Of Your Credit Reports?
The reason you must get a copy of your Equifax, Experian, and TransUnion credit reports is because Ovation will have to file a dispute with each credit bureau. In other words, they will file 3 credit disputes. If for example you have a collection on your credit report with all 3 credit bureaus.
Then Ovation will have to file 3 separate credit disputes. One credit report dispute for each major credit report and credit bureau. You can have an item removed from your TransUnion credit report but the does that does not mean it will be removed from your Equifax or Experian credit reports. Instead, separate disputes would have to be sent to Equifax and Experian. Both of these companies would then have to investigate before they potentially removed the item.
3. Send your credit reports to Ovation
You can mail a copy of your credit reports, fax them, send the by e-mail, or any other way you can think of to get Ovation copies of your credit reports. Once they have your credit reports. Then you can start disputing the credit bureaus and potentially cleaning up credit report information.
4. Monitor your progress
You can monitor your credit repair progress online through the Ovation client website. This will keep you up-to-date with what items have been removed and all the relevant details on your credit repair progress.
5. On average it takes 6 to 8 months
Of course, everyone’s situation is different and Ovation cannot make any guarantees about how long it’s going to take for your specific credit repair needs. However on average their clients use their credit repair services for 6 to 8 months. The amount of time you will need their services will depend directly on how many negative items you wish to dispute.
You will be given a dedicated case manager who will be overseen by expert credit lawyers. According to the Ovation website their clients see “on average 19 improvements to their combined credit reports.” Ovation is accredited with the Better Business Bureau and does offer you a refund policy.
The biggest advantage of hiring a professional credit repair service is to give you an easy to manage and realistic shot at removing incorrect information from your credit reports. You don’t have to just live with a bad credit score. In fact did you know that 79% of credit reports contain some type of error! How much money are you paying in higher interest rates because an error on your credit report?
Get more help with a free credit consultation by calling toll-free 1-877-418-7596. And for more credit repair company reviews and strategies to fix less than perfect credit with Dan Willis, sign up for our free newsletter.
Get a FREE Credit Consultation 1-877-418-7596