Credit Repair
Top Companies in 2024
Ovation Credit Services vs Sky Blue
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- Personal case advisor
- Financial learning and management tools
- Cancelation at anytime
- Free consultation
- 45-day dispute cycle
- Couples discounts
- Extensive services
- No longer in business
- Had no money-back guarantee
- Lacks transparency on state coverage
- Doesn’t provide a mobile application
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.
Sky Blue Credit is a reputable credit repair company based in Boca Raton, Florida that has been helping individuals improve their credit scores since 1989. With a focus on accuracy, efficiency, and personalized service, Sky Blue Credit offers a comprehensive suite of tools and strategies to dispute inaccuracies, optimize credit scores, and rebuild credit. Sky Blue Credit's services include a line-by-line review of credit reports, customized dispute letters, and a 45-day turnaround time for resolving disputed items. They also provide credit rebuilding advice, secured card recommendations, and support for creditor interventions and debt validation. Sky Blue Credit's unique features include a 90-day money-back guarantee and the ability to pause membership if needed. Customer reviews of Sky Blue Credit are generally positive, with a 4.4-star rating out of 5 based on over 470 reviews. The company has a strong industry presence, having helped thousands of customers and maintaining a 3.29-star rating on the Better Business Bureau website. Sky Blue Credit's 35-day dispute cycle is ten days faster than the industry standard, providing quicker client results. Whether you're looking to remove errors, negotiate with creditors, or develop a long-term credit rebuilding plan, Sky Blue Credit is a reputable choice that offers a user-friendly interface and a commitment to customer satisfaction.
- 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
- BBB Rating : A+
- Cancelation Policy : Yes
- Trustpilot Score : 2.9 out of 5
- Initial Fees : $79
- Money-Back Guarantee : 90 days (under specific conditions)
- Monthly Fee : Starting at $79.00 per month
- Customer Experience : "True"
- Unlimited Disputes : True
- Service Coverage : Undisclosed
- Accredited A+ Member of BBB since 2004
- Unlimited disputes with all 3 Credit Bureaus
- Standalone credit monitoring offered
- No charge for 6 days
- 90-day money-back guarantee
- Cease & Desist Letters
- Compliance with Regulations (FCRA, FDCPA, etc.)
- Credit Building Assistance—Undisclosed
- Credit Report Analysis from Credit Bureaus
- Credit Score Monitoring
- Creditor & Debt Collector Communication
- Debt Validation
- Dispute Letters
- FICO-Certified Professionals—Undisclosed
- Financial Education Resources/Tools
- Free Consultation
- Goodwill Letters
- Identity Theft Protection—Undisclosed
- Cease & Desist Letters
- Compliance with Regulations (FCRA, FDCPA, etc.)
- Credit Building Assistance—Undisclosed
- Credit Report Analysis from Credit Bureaus
- Credit Score Monitoring
- Creditor & Debt Collector Communication
- Debt Validation
- Dispute Letters
- FICO-Certified Professionals
- Financial Education Resources/Tools
- Free Consultation
- Goodwill Letters
- Identity Theft Protection
- FAQs
- Help Guides
- Live Chat—Undisclosed
- Mobile Application
- Phone
- Ticket—Undisclosed
- FAQs
- Help Guides
- Live Chat
- Mobile Application—Undisclosed
- Phone
- Ticket
- Automatic bank drafts (ACH)
- Checks
- Credit/Debit Cards
- Family or Couples Discounts—Undisclosed
- PayPal—Undisclosed
- Automatic bank drafts (ACH)
- Checks—Undisclosed
- Credit/Debit Cards
- Family or Couples Discounts
- PayPal—Undisclosed
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