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Allen & Allen, Inc. vs Ovation Credit Services

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Pros
  • Special discounts
  • Nationwide service availability
  • Credit repair support
Pros
  • Personal case advisor
  • Financial learning and management tools
  • Cancelation at anytime
  • Free consultation
Cons
  • Lack of transparency
  • Lacks BBB accreditation
Cons
  • No longer in business
  • Had no money-back guarantee
Summary

Allen & Allen Inc. is a well-established credit repair company founded over 37 years ago and headquartered in Pennsylvania. Known for their comprehensive credit restoration services, the company operates nationwide, assisting clients in disputing inaccuracies across all three major credit bureaus. Allen & Allen Inc. is a certified National Association of Credit Services Organizations (NACSO) member, underscoring their commitment to industry standards and ethical practices. One of the standout features of Allen & Allen Inc. is their free credit evaluation, allowing potential clients to assess their credit status before committing to services. Clients benefit from a dedicated credit specialist who guides them through the repair process and provides access to an online client portal for tracking progress. Additionally, the company offers discounts for active military personnel and veterans, making their services more accessible. Allen & Allen Inc. lacks competitors' services, such as legal assistance and extensive online process information. This combination of strengths and areas for improvement makes Allen & Allen Inc. an intriguing option for those seeking credit repair solutions.

Summary

Ovation Credit Services, a prominent name in credit repair, has ceased operations as of April 2023 after being acquired by LendingTree in 2018. Due to financial challenges faced by LendingTree, including a significant loss in 2022, the decision was made to reduce their workforce, leading to the closure of Ovation. The closure affected approximately 200 employees. Ovation offered credit repair services, including correcting credit reports and removing negative accounts. The company also focused on consumer education and empowerment. They were widely trusted for their comprehensive credit repair and monitoring services. Despite their closure, Ovation had a strong reputation, with a positive online experience and feedback from clients.

Quick Stats
  • BBB Rating : A+
  • Cancelation Policy : Anytime
  • Trustpilot Score : N/R
  • Initial Fees : Undisclosed
  • Money-Back Guarantee : Not available
  • Monthly Fee : Starts at $85 a month
Quick Stats
  • BBB Rating : A+ (Prior to closure, N/R currently)
  • Cancelation Policy : Unavailable
  • Trustpilot Score : N/R
  • Initial Fees : $89
  • Money-Back Guarantee : Unavailable
  • Monthly Fee : Started at $79
  • Customer Experience : Good
  • Unlimited Disputes : True
  • Service Coverage : No longer available
Selling Points
  • Cancelation available
  • Special discounts
Selling Points
  • Accredited A+ Member of BBB since 2004
  • Unlimited disputes with all 3 Credit Bureaus
  • Standalone credit monitoring offered
Services & Perks
  • Undisclosed
    Cease & Desist Letters
  • Undisclosed
    Compliance with Regulations (FCRA, FDCPA, etc.)
  • Undisclosed
    Credit Building Assistance
  • Undisclosed
    Credit Report Analysis from Credit Bureaus
  • Undisclosed
    Credit Score Monitoring
  • Undisclosed
    Creditor & Debt Collector Communication
  • Undisclosed
    Debt Validation
  • Dispute Letters
  • Undisclosed
    FICO-Certified Professionals
  • Undisclosed
    Financial Education Resources/Tools
  • Undisclosed
    Free Consultation
  • Undisclosed
    Goodwill Letters
  • Undisclosed
    Identity Theft Protection
Services & Perks
  • Cease & Desist Letters
  • Compliance with Regulations (FCRA, FDCPA, etc.)
  • Undisclosed
    Credit Building Assistance
  • Credit Report Analysis from Credit Bureaus
  • Credit Score Monitoring
  • Creditor & Debt Collector Communication
  • Debt Validation
  • Dispute Letters
  • Undisclosed
    FICO-Certified Professionals
  • Financial Education Resources/Tools
  • Free Consultation
  • Goodwill Letters
  • Undisclosed
    Identity Theft Protection
Customer Support
  • Email
  • FAQs
  • Help Guides
  • Live Chat
  • Mobile Application
  • Phone
  • Ticket
Customer Support
  • Email
  • FAQs
  • Help Guides
  • Undisclosed
    Live Chat
  • Mobile Application
  • Phone
  • Undisclosed
    Ticket
Payment Options
  • Undisclosed
    Automatic bank drafts (ACH)
  • Undisclosed
    Checks
  • Undisclosed
    Credit/Debit Cards
  • Family or Couples Discounts
  • Undisclosed
    PayPal
Payment Options
  • Automatic bank drafts (ACH)
  • Checks
  • Credit/Debit Cards
  • Undisclosed
    Family or Couples Discounts
  • Undisclosed
    PayPal

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