How does the Ovation credit repair process work?

Do you want to know how to get started, what to expect, and how our credit report repair process works? In our 3 1/2 minute video we show you how easy it is to begin and provide a step-by-step overview of the dispute process with the major credit bureaus. We want you to clearly understand how the credit dispute process works. For a brief overview of how the credit repair process works, you can call on of our Professional Case Analysts for a free consultation and they can explain the process to you and answer any questions for you. You can also click on the online video and learn about the process at our Video Center.

How long will it take to repair my credit report?

Our clients typically start seeing results in 45-60 days. Because everyone's case is different, some cases are completed in that time, but the average lenght for our clients is 6 to 8 months. It really depends on the type and number of items that need to be addressed in the credit profile. Successfully repairing credit requires persistence, patience and experience. This is where Ovation Law's expertise saves you valuable time. To effectively dispute incorrect information on your credit report, the key is knowing the 'valid disputes' and understanding the methods used by the credit bureaus in order to submit personalized disputes that meet their requirements and warrant a timely response. In addition, we offer a valuable time-saving service, known as the Fast Track Program, which can be applied to any of our custom programs to expedite your credit report repair process. Send us your information (to be received by 2:00 p.m. EST) and we'll create your custom dispute letters and mail them to the three major credit bureaus the same day!

Can Ovation remove Bankruptcies from my credit report?

Every consumer’s situation is different. If you have a bankruptcy on your credit report that you feel is inaccurate, misleading, incomplete, or unverifiable in some way then we can dispute it for you. As for getting it removed from your credit report that is not something we can promise or confirm. However, Ovation Credit Services has successfully removed bankruptcies from our clients' credit reports in the past.

Does Ovation work with creditors?

To provide the best results for our clients, yes we interact with creditors. Our Essentials Plus Program includes the creation and distribution of custom dispute letters to the three major credit bureaus: Equifax, Trans Union, and Experian. Once you mark the accounts you want disputed we also send letters to your creditors, requesting verification of the information listed on the credit reports. If they are unable to verify the information they are reporting then they are required by law to remove or update the information reporting.

Can Ovation setup payment plans with creditors?

Ovation is a credit report repair company, not a debt consolidation company. We only contact creditors by letter to work towards getting the information updated and/or deleted. Unfortunately, we do not work with creditors for payment arrangements.

How does Ovation work with joint accounts?

As we deal with information on your credit reports, we handle joint accounts in the same meticulous manner as individual accounts and we will dispute the information in your name only. Keep in mind that deletions resulting from your disputes may be deleted from the other person's credit report as well. If you intend to apply for credit together in the future, make sure that both of your reports are in good standing. To help you, you may want to enroll in the couples program.

Can I Cancel Anytime?

Yes. We require no long term contracts. You can cancel at anytime, and our refund policy is effective from the day you start working with us.

Will Ovation Simply Dispute All My Negative Items?

No! Federal Law requires that all disputes be submitted in good faith. When you become a client of Ovation, you'll complete our Dispute Manger to provide us with the necessary information about the items on your credit report that qualifies for a good faith dispute. We'll also consult with you directly. We compile that information and use it to create your custom dispute letters. We will dispute any item, positive or negative, that you review and mark for dispute. Not only is our process legal and in compliance with the FCRA, but it results in more efficient and effective disputing.

Several companies out there simply take your credit reports and generically dispute every negative item without any information from you regarding the legitimacy of the negative items. Not only is this process illegal, it is ineffective and results in an extremely high return of frivolous responses.

How Does the Ovation Refund Policy Work?

Just like our service, our Refund Policy is effective from day one. Our Refund Policy is simple and straight forward. Each month that you remain a client of Ovation Law, you pay a Monthly Fee. During any month, if we fail to provide the agreed upon services (as outlined in the Service Agreement provided during the sign up process), we will refund your Monthly Fees for that month. It's as simple as that! If you are still unsure about the Refund Policy or have any other questions, contact us. We'll be happy to answer any questions you may have.

What is a Frivolous Dispute?

Consumer reporting companies must investigate items in question unless they consider your dispute frivolous. A blanket dispute (i.e. all negative information is challenged) may be considered evidence that the dispute is frivolous, or if you fail to provide any allegations concerning specific items in your file. Frivolous disputing will unnecessarily increase the amount of time it takes to repair your credit profile and your overall success rate. This is common error made by inexperienced credit repair consultants who simply dispute all negative items or most of your credit items on your credit report at one time without any specific basis for the dispute.

What do Ovation's Staff Attorneys Do?

Ovation's staff attorneys review current trends in the law, develop new programs and enhance our current programs, review client files and work closely with our case advisors to ensure that our clients receive state of the art credit report repair programs. We specialize in credit report repair.

Does Ovation Provide My Credit Report?

No. When you become a client of Ovation, we request that you submit your credit report to us. If you don't have a copy, don't worry. We'll show you where you can get a copy of all three reports for free. If you do not qualify for a free report, we show you a number of websites where you can purchase reports online for a low cost.

We do not provide your reports to you because the process of obtaining your report would result in an inquiry being placed on your reports. Each inquiry negatively affects your score. Our goal is to help you raise your score - not lower it. If you obtain your report yourself and submit it to us, no negative inquiry will appear.

Several competitors will pull your reports for you through their affiliated mortgage businesses. While this sounds convenient, just remember that they are actually hurting your score in the process.

How Do I Submit My Reports and Updates To Ovation?

Ovation makes it as easy as possible for you to submit your credit reports to us. You can fax them to us. You can mail them to us. You can email them to us. If you are in the area, you can drop them off at our office. You can upload them through our client management website. You can also provide user information for the website where you purchased the reports and we'll download them for you. If you can think of another way to get them us, let us know and we'll accommodate you. Our goal is to make the credit report repair process as easy and efficient for you as possible.