Credit Versio vs Ovation Credit Services

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Pros

• Unique dispute letters
• Identity Theft Insurance
• Cost far less than more credit repair companies
• Works for every credit reporting agency

Pros

• Personal case advisor
• Financial learning and management tools
• Cancelation at anytime
• Free consultation

Cons

• You have to sign up for a third-party service

Cons

• No longer in business
• Had no money-back guarantee

Quick Stats

• BBB Rating : Not BBB Accredited
• Cancelation Policy : You can cancel at any time
• Trustpilot Score : In-person, email, phone, social media, and help guides
• Initial Fees : $19.95/Month
• Money-Back Guarantee : 90-days money-back guarantee
• Monthly Fee : $19.95 per Month
• Customer Experience : True
• Unlimited Disputes : True

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

• Unique dispute letters
• Identity Theft Insurance
• Cost far less than more credit repair companies

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
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  Undisclosed
  Credit Score Monitoring
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  Undisclosed
  Creditor & Debt Collector Communication
• —

  Undisclosed
  Debt Validation
• —

  Undisclosed
  Dispute Letters
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  Undisclosed
  FICO-Certified Professionals
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  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
• —

  Undisclosed
  FAQs
• Help Guides
• —

  Undisclosed
  Live Chat
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  Undisclosed
  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)
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  Undisclosed
  Checks
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  Undisclosed
  Credit/Debit Cards
• —

  Undisclosed
  Family or Couples Discounts
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  Undisclosed
  PayPal

Payment Options

• Automatic bank drafts (ACH)
• Checks
• Credit/Debit Cards
• —

  Undisclosed
  Family or Couples Discounts
• —

  Undisclosed
  PayPal