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Ovation Credit Services vs The Credit People

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Pros
  • Personal case advisor
  • Financial learning and management tools
  • Cancelation at anytime
  • Free consultation
Pros
  • Free consultation
  • Credit monitoring
  • Money-back guarantee
Cons
  • No longer in business
  • Had no money-back guarantee
Cons
  • Lack of transparency states of coverage
  • Cancellation policy complexity
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

Established in 2001 and headquartered in the United States, The Credit People is a reputable credit repair company with over 15 years of experience helping customers improve their credit scores. The company's mission is to provide comprehensive credit repair services and empower individuals to achieve their financial goals. The Credit People offers a range of services, including obtaining credit reports from all three major bureaus, disputing inaccuracies, and working to remove negative items from customers' credit histories. Unique features include an online account portal that allows 24/7 access to monitor progress, a satisfaction guarantee, and a credit repair service discount for couples. Customers have praised The Credit People's team of FCRA-certified agents, who are knowledgeable about credit repair laws and dedicated to achieving positive results. The company has demonstrated their commitment to customer satisfaction with an overall rating of 3.9 out of 5 on review platforms. By leveraging their extensive industry experience and innovative approach, The Credit People aims to help individuals overcome credit challenges and unlock new financial opportunities. Intrigued readers are encouraged to explore the company's services and customer testimonials to learn more about how The Credit People can assist in their credit repair journey.

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 : C+
  • Cancelation Policy : Available
  • Trustpilot Score : 2.3 out of 5
  • Initial Fees : $19
  • Money-Back Guarantee : Available
  • Monthly Fee : Starting at $119
  • Customer Experience : "True"
  • Unlimited Disputes : "True"
Selling Points
  • Accredited A+ Member of BBB since 2004
  • Unlimited disputes with all 3 Credit Bureaus
  • Standalone credit monitoring offered
Selling Points
  • Interactive website
  • Satisfaction guarantee
  • Team of certified representatives
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
  • Cease & Desist Letters
  • Compliance with Regulations (FCRA, FDCPA, etc.)
  • Credit Building Assistance
  • 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
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
  • Automatic bank drafts (ACH)
  • Checks
  • Credit/Debit Cards
  • Family or Couples Discounts
  • PayPal

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