ovation credit repair logo

Monthly Fee


$79 - $109 / month

Additional Fees


$89 First Work Fee

Credit Evaluation



Service Speed


Same Day Processing

Editorial Rating

Ovation Credit Repair

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Monthly Fee


$79 - $109 / month

Additional Fees


$89 First Work Fee

Credit Evaluation



Service Speed


Same Day Processing

In Business Since



BBB Rating





Satisfaction Guarantee

Customized Service



ovation credit repair logo

Editorial Rating

Ovation Credit Services by LendingTree is a reputable company that will help you resolve any issues you may have with your credit report

To find out if this is the top credit repair company for you, check out our detailed Ovation Credit Repair review

What Is Ovation Best For?

Ovation Credit is best for people looking for a credit repair online service, with a bit of human touch. Starting with a free consultation and continuing with a personal care advisor, a professional will be there to guide you every step of the way.

Ovation is a financial services company with a good reputation, a subsidiary of LendingTree. So, you can rest assured that your credit is in good hands.

What It Takes to Get Going With Ovation Credit Repair 

The first step to start repairing your credit with Ovation is to take advantage of their free consultation. You can fill out a form on their website and then receive a call from one of their credit analysts. 


These are the credit repair services offered by Ovation:

Free Consultation

If you fill out a form on the Ovation Credit Service website, a credit analyst will contact you to discuss your credit report and answer all of your questions. 

Personalized Disputes

With this option, you can dispute any inaccurate or unverifiable negative item from your report. 

Personal Case Advisor 

Your personal care advisor will guide you through the dispute process and help you improve your credit score

Financial Management Tools

With these tools, you can plan your budget and pay off your debt

Unlimited Challenge Validation Letters

Ovation will create and send an unlimited number of custom validation dispute letters to your creditors. 

Unlimited Creditor Goodwill Letters

A goodwill credit letter is a letter that you send to creditors to kindly ask them to review and remove a negative item from your report. 

Official Ovation Recommendation Letter

Ovation will write a recommendation letter for you which may assist you when contacting lenders.  

TransUnion Credit Monitoring 

With this service, you will receive alerts regarding any changes with TransUnion credit report, or if someone tries to use your credit without permission. 

Ovation Credit Services Pricing and Fees

Ovation has two pricing plans: the Essentials and the Essentials Plus.

Essentials Plan

Services included:

  • Personalized dispute options
  • Personal care advisor
  • Financial management tools


  • First work fee of $89
  • Monthly fee of $79

Essentials Plus Plan

Services included:

  • Unlimited challenge validation letters
  • Unlimited creditor goodwill letters
  • Official Ovation recommendation letter
  • TransUnion credit monitoring


  • First work fee of $89
  • Monthly fee of $109

Customer Service

Customer support can be reached by phone or email. 

Operating hours: 

  • Monday – Friday: 8 am – 9 pm EST
  • Saturday: 10 am – 4 pm EST

The Ovation reviews regarding support were mixed. Most customers were happy with the service they received, though some had trouble reaching the representatives. 

Ovation Credit Repair Reviews

What are Ovation Credit Repair customer reviews saying about their services?

As of now, there are 331 Ovation Credit Repair reviews on Consumer Affairs, giving the company an average rating of 4 stars.

The company has a slightly better rating of 4.5 stars on Trustpilot, based on 109 Ovation Credit Report Repair reviews.

On Google, 445 users have left Ovation Credit Repair reviews, giving the company a 3.6-star rating

Only 17 users have left reviews on the official Facebook page of Ovation Credit Services by LendingTree, giving the company an average rating of 3.6 stars.

There are 67 Ovation Credit Repair reviews on the BBB profile of the company, with an average rating of 3.5 stars.

The Positives 

In the majority of the positive Ovation Credit Repair reviews, customers mentioned how helpful and informative the representatives were. Having a professional go over your report and identify the items lowering your score is a good way to ease your mind about your financial future. Customers were also satisfied with the boost to their score noticeable after they had been using the services for a few months. In one Ovation Credit Services review, a customer mentioned that their score increased by 40 points in a single month. Of course, not everyone will experience such speedy results

The Negatives

While plenty of Ovation Credit reviews cite positive experiences, some users were left unsatisfied. Even though the employees were generally highly praised, there were a lot of customer service-related Ovation Credit complaints. Clients were unable to reach employees to have their issues resolved. 

There were also negative reviews from people that had misunderstood the services offered. These were mainly from people that had found out that they can dispute negative items on their own and for free. 

We also tried looking up Ovation through Lending Tree reviews on Reddit, however, we were only able to locate complaints about LendingTree and the persistent calls users received from their partners. 

Our Verdict

Ovation offers credit repair services at an affordable cost. Their pricing is average compared to competitors, and the free consultation is also an extra. As you can dispute negative items on your own, the best credit cleaners add extra features in their plans, such as monitoring tools and professional assistance

This credit repair service may help you repair your credit so that you can start working on improving your financial situation. 

Alternatives of Ovation Credit Services

How does Ovation stack up against competitors?

Ovation Credit Services vs Lexington Law

Lexington Law is one of the main competitors of Ovation. Customers often compare Ovation Credit vs Lexington Law in their reviews. 

Ovation Credit services cost less than Lexington Law’s services, which range between $89.85 and $129.95. In the most basic plan, they do not offer a personal care advisor, nor financial management tools. So, you would be getting more of your money’s worth with Ovation. 

For more details, check out our Lexington Law review

Ovation Credit Services vs Sky Blue

Sky Blue’s basic plan costs $79. They also offer a couples discount and free consultation. 

What makes Sky Blue stand out amongst its competitors is the conditions-free 90-day guarantee. 

For more details about Sky Blue, check out our review.

Wrap Up

Ovation Credit Services by LendingTree can work with you on fixing your credit. Online reviews about this company are mostly positive, so you will at least have a good shot at improving your FICO score.


  • Quick processing
  • Discounts Available
  • No-risk refund policy
  • Personal care advisor
  • Customizable services
  • Can be cancelled anytime
  • Free mobile app to track progress


  • "First work" fee
  • Relatively high monthly fees
ovation credit repair logo

Editorial Rating

Ovation Credit Repair Services FAQ

What Is Ovation Credit?

Ovation Credit Services, Inc., is a financial services company based in Jacksonville, Florida. The company specializes in credit repair, credit disputes, and identity theft resolution.

How does Ovation Credit work?

When you sign up for one of their plans, Ovation Credit Repair reviews your credit report and works with you to find inaccurate negative items in your report. They then dispute these items with credit reporting agencies and creditors on your behalf.

How much is Ovation Credit Services?

The Essentials and Essentials Plus plans cost $79.00/month and $109.00/month, respectively. Ovation also charges an $89 first work fee with both plans.

How do I cancel Ovation Credit Services?

You can cancel your plan at any time by contacting support.

Can Ovation Credit Services really fix my credit?

According to the Consumer Financial Protection Bureau, no credit repair services company can guarantee results. However, removing inaccurate negative information from your credit report can increase your credit score.

Are any credit repair companies legit?

There are a few tell-tale signs of credit repair service scams. Such companies cannot demand or receive payments upfront (until they have completed the services requested). However, to avoid this requirement, most companies have subscription plans where you pay a monthly fee for their services. Another sign of a scam is when they guarantee or promise specific results. This is why most legitimate companies have a disclaimer saying they cannot guarantee positive results and that each situation is different. Lastly, companies shouldn’t misinform you. For example, if a company says that you cannot dispute negative information on your own — this is false. You can directly contact credit reporting agencies to dispute negative information from your report. We noticed that in some negative Ovation Credit Services reviews, customers mentioned that they weren’t aware that they can dispute items on their own. This is why the best credit repair companies offer additional services, such as credit alert, credit tracking, identity theft alert, credit consultation, etc.

How can I repair and/or rebuild my credit?

To repair your credit on your own, dispute any inaccurate items with the credit reporting agencies and creditors. To rebuild your credit and thus improve your FICO score, you can: Improve your payment history Lower your credit utilization rate Avoid new debt Set up a debt management plan Get a debt consolidation loan

What is the best credit repair company?

Customers have their requirements when choosing credit cleaners. People that have dealt with identity theft would prefer a company that has identity theft alerts. Those in a rush to repair their credit prefer same-day service, as offered by Ovation. We recommend comparing the best credit repair services companies to find one that is right for you.