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Pros / You can get free credit monitoring if you sign up for Ovation’s Essentials Plus tier of service.

Cons / This company doesn’t provide a lot of education about credit and credit repair.

 Verdict / Ovation Credit Services’ Essentials plan has a low monthly cost but the lack of some educational resources means you’ll have to look elsewhere to learn about some of the ins and outs of credit and credit repair if you sign up for this service.

Ovation Credit Services is a credit repair company that lets you decide between two plans, Essentials and Essentials Plus, to work on removing negative items from your credit report. This company has been around since 2004 and is one of the more well-known companies in the industry.

In our review, this company’s educational section is lacking some of the features that we found in the best credit repair companies, like a dedicated education section. However, there is an in-depth FAQs section which goes over each type of negative item that can appear on your credit report. There is also a blog that publishes updates and articles weekly, which is more often than some of the blogs we reviewed.

When you sign up for credit repair through Ovation, you get help from a dedicated case advisor as well as a team of support agents if your advisor isn’t available. This matches what we saw in the best companies we reviewed and gives you the opportunity to build a relationship of trust with your credit advisor. If you have questions you can also access your online customer account at any time to review your progress.

Ovation’s monthly cost for its Essentials plan is one of the lowest in our review, but there is also a more expensive Essentials Plus plan that offers credit monitoring, unlimited disputes and an option to receive a personalized letter from Ovation to help you apply for new credit.

If you sign up for this credit repair company as a couple, you and your spouse will both save 16 percent off the price of six months of credit repair.

This credit repair service works with all three of the credit bureaus – TransUnion, Equifax and Experian – to remove negative items from your credit report. It also works with your original creditors to remove negative items and will even try to negotiate with your creditors to remove late payments from your account that are only 30 to 120 days late.

If you pay for the Essentials Plus plan, you can also get access to monthly credit monitoring from TransUnion. However, there is no option for identity theft protection built into Ovation’s services. If you want ID protection, you’ll have to sign up for a third-party service.

  • Pricing per Month
  1. This amount is the cost of one month of a company’s basic credit repair service.
    Less is Better.
  2. 5  Ovation
  3. $80.0
  4. $100.0
  5. $59.0
  6. Category Average


Ovation Credit Services offers some premier services if you sign up for its higher-cost Essentials Plus plan, but the educational resources that this company provides aren’t as good as many of the other services in our review. Ovation provides a dedicated personal case advisor for its clients, but you have to pay for its higher-tier service to access monthly credit monitoring. If you’re trying to raise your credit to get a better loan rate, there are other credit repair companies that offer comparable service for less money.

Specifications and Benchmarks

Cost & Fees

Monthly Cost
Cost Over 6 Months
Sign Up Fee / First Work Fee
Couples Discount (per Person)
Fee to Pull Credit Report

Support & Services

Team or Individual Agent
Online Customer Portal

Program Details

Works With Credit Agencies & Creditors
Monthly Credit Monitoring
Identity Theft Protection