Credit Repair
Top Companies in 2024
Ovation Credit Services vs The Credit Pros
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- Personal case advisor
- Financial learning and management tools
- Cancelation at anytime
- Free consultation
- Bilingual services available
- Financial management tools are included with all credit repair packages
- FICO-certified credit professionals
- Unlimited disputes
- 90-day money-back guarantee
- Mobile and web tools and resources
- No longer in business
- Had no money-back guarantee
- High initial and ongoing fees
- Not available in all states
- Some fake reviews discovered on Trustpilot
- No 24/7 phone support
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.
Founded in 2009 and headquartered in West Palm Beach, Florida, The Credit Pros is a leading credit repair company dedicated to helping individuals improve their financial health by navigating the complexities of credit reporting. They specialize in assisting those with low credit scores due to errors, outdated information, or negative marks on their credit reports. The company offers a range of services, including detailed credit analysis, credit disputes, identity theft restoration, budgeting assistance, and credit monitoring, all designed to empower clients to take control of their credit. Leveraging AI-driven services, The Credit Pros employ AI to assess data, identify patterns, and make informed decisions, providing a personalized approach tailored to each client's unique needs. They emphasize transparency in their fee structure and adhere to key regulations such as the FCRA and FDCPA, ensuring ethical and legally sound practices. Despite some customer complaints regarding service results and refunds, they maintain a strong reputation in the industry with an A+ rating from the Better Business Bureau and recognition on the Inc. 5000 list of America’s fastest-growing private companies.
- 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 : Cancel anytime with no fees; full refund within 5 days of signing or, if no deletions, within 90 days
- Trustpilot Score : N/R
- Initial Fees : $119 to $149
- Money-Back Guarantee : 90 days (under specific conditions)
- Monthly Fee : Starting at $69
- Customer Experience : Good
- Unlimited Disputes : "True"
- Service Coverage : 46 states, excluding Maine, Kansas, Minnesota, and Oregon
- Accredited A+ Member of BBB since 2004
- Unlimited disputes with all 3 Credit Bureaus
- Standalone credit monitoring offered
- A+ BBB rating
- AI-Driven Credit Repair Program
- Credit-Builder Tradeline
- 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
- 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
- Phone
- Ticket
- Automatic bank drafts (ACH)
- Checks
- Credit/Debit Cards
- Family or Couples Discounts—Undisclosed
- PayPal—Undisclosed
- Automatic bank drafts (ACH)
- Checks
- Credit/Debit Cards
- Family or Couples Discounts
- PayPal—Undisclosed
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