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Ovation Credit Services vs Pyramid Credit Repair

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Pros
  • Personal case advisor
  • Financial learning and management tools
  • Cancelation at anytime
  • Free consultation
Pros
  • 7-day free trial
  • Real-time status updates
  • Free credit consultation and evaluation
Cons
  • No longer in business
  • Had no money-back guarantee
Cons
  • No mobile app
  • No full refunds
  • Lack of transparency of upfront fees and complete services
  • Lack of transparency on service coverage
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.

Summary

Pyramid Credit Repair, founded in 2011 and headquartered in New York, has established themselves as a notable player in the credit repair industry. Initially providing credit repair software, the company transitioned to offering full-service credit repair, catering to clients across 49 states (excluding a few), focusing on consumer empowerment and financial health. The company offers three service tiers—Bronze, Gold, and Platinum—starting at $89 per month, with features such as dispute assistance, creditor negotiations, and personalized credit advice. A standout aspect of Pyramid is their commitment to transparency, with a 90-day money-back guarantee and no long-term contracts required. Customers can track their progress through a user-friendly mobile app, enhancing the overall experience. Customer feedback highlights Pyramid's effectiveness in improving credit scores and their supportive customer service, which is available 24/7. Additionally, the company holds an A+ rating from the Better Business Bureau, reflecting their credibility in the market. Focusing on education and personalized strategies, Pyramid Credit Repair aims to help clients achieve their financial goals, making them an appealing option for those seeking credit repair solutions.

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
Quick Stats
  • BBB Rating : A+
  • Cancelation Policy : Yes
  • Trustpilot Score : Phone calls, FAQs, and free consultation
  • Initial Fees : Undisclosed
  • Money-Back Guarantee : Undisclosed
  • Monthly Fee : Starting at $89 per month
  • Customer Experience : "True"
  • Service Coverage : "True"
Selling Points
  • Accredited A+ Member of BBB since 2004
  • Unlimited disputes with all 3 Credit Bureaus
  • Standalone credit monitoring offered
Selling Points
  • Dedicated live case manager
  • Personalized plans
  • Free credit report and analysis
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
Services & Perks
  • Undisclosed
    Cease & Desist Letters
  • Compliance with Regulations (FCRA, FDCPA, etc.)
  • Undisclosed
    Credit Building Assistance
  • Credit Report Analysis from Credit Bureaus
  • Undisclosed
    Credit Score Monitoring
  • Undisclosed
    Creditor & Debt Collector Communication
  • Undisclosed
    Debt Validation
  • Undisclosed
    Dispute Letters
  • Undisclosed
    FICO-Certified Professionals
  • Undisclosed
    Financial Education Resources/Tools
  • Free Consultation
  • Undisclosed
    Goodwill Letters
  • Undisclosed
    Identity Theft Protection
Customer Support
  • Email
  • FAQs
  • Help Guides
  • Undisclosed
    Live Chat
  • Mobile Application
  • Phone
  • Undisclosed
    Ticket
Customer Support
  • Email
  • FAQs
  • Help Guides
  • Live Chat
  • Mobile Application
  • Phone
  • Ticket
Payment Options
  • Automatic bank drafts (ACH)
  • Checks
  • Credit/Debit Cards
  • Undisclosed
    Family or Couples Discounts
  • Undisclosed
    PayPal
Payment Options
  • Undisclosed
    Automatic bank drafts (ACH)
  • Undisclosed
    Checks
  • Credit/Debit Cards
  • Undisclosed
    Family or Couples Discounts
  • Undisclosed
    PayPal

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