Damaged credit can wreak havoc on your finances, preventing you from qualifying for loans or credit cards and costing you thousands in higher interest rates.
Credit repair services promise to help improve your credit score by disputing and removing incorrect items from your credit reports. Two popular options are Ovation Credit Services and Lexington Law. But how do you decide which one offers the right services for your needs?
This in-depth guide examines the key differences between Ovation and Lexington Law to help you make an informed choice.
A Brief Comparison Table
| Category | Ovation Credit Services | Lexington Law |
| Overview | Florida-based credit repair company founded in 2004 | One of the longest running credit repair firms, founded in 1991 |
| Services | Unlimited disputes per month, creditor interventions | Legal experts handle disputes, credit monitoring, ID theft protection |
| Initial Fee | $89 | $100+ |
| Monthly Fee | $89/month individual, $138/month couples | $89.95 – $129.95/month |
| Cancellation Policy | Cancel anytime with full refund | Only prepaid fees returned if canceled within 5 days |
| Guarantee | Refund if no score increase in 90 days | No guarantee |
| Credit Monitoring | Not included | Yes, with top tier plan |
| Identity Theft Protection | Optimization only | Up to $1 million insurance with top tier plan |
| Customer Reviews | Excellent reviews on BBB, Trustpilot, Google | Mixed reviews, complaints about billing practices |
Overview of Ovation Credit Services
Ovation Credit Services is a credit repair company based in Florida. They were founded in 2004 with the mission of helping consumers improve credit scores.
Some of the key features and services offered by Ovation include:
- Unlimited disputes of negative items per month
- Goodwill interventions to creditors on your behalf
- Transparency about prices and services
- Free consultation with a credit advisor
- Mobile app for account access
According to Ovation, clients see an average of 55-75 point increase in their credit scores within 4-6 months. Their repair process focuses on fixing inaccuracies in credit reports by filing disputes, goodwill letters, and providing credit education.
Overview of Lexington Law
Lexington Law is one of the longest-running credit repair companies, founded in 1991. They provide both DIY and full-service credit repair options.
Key features and services of Lexington Law include:
- Range of credit report and score analysis services
- Legal experts file disputes on your behalf
- Individualized action plan for credit repair
- Identity theft protection available
- Over 56,000 negative items removed monthly
Lexington Law employs lawyers and paralegals to dispute negative items. They also provide credit monitoring and counseling. According to Lexington, clients typically see a 21-point FICO score increase in the first 4 months.
Key Differences Between Ovation Credit Services And Lexington Law
1. Cost Comparison
One of the most important considerations when choosing a credit repair service is cost. Here is an overview of what Ovation and Lexington Law charge:
Ovation Credit Services
- Initial fee: $89
- Monthly fee: $89/month
- Couples discount: $138 per month
- No capped or hourly fees
Lexington Law
- Initial fee: $100+
- Monthly fee: $89.95 – $129.95 per month
- Hourly fee: $129.95/hour for DIY plan
- No cap on fees, clients pay until satisfied
As you can see, the monthly costs are similar between the two companies. Ovation’s lower startup fee makes them slightly more affordable to begin with. Lexington Law has flexibility in pricing based on the plan selected.
To get the full costs for your specific situation, you need to get a personalized quote from each company. Look for any discounts you may qualify for as well to lower the fees.
2. Service and Features Comparison
When it comes to services offered, here is how Ovation and Lexington Law stack up:
Disputes
- Ovation: Unlimited disputes per month
- Lexington: No dispute limits but fees add up
Consultation
- Ovation: Free initial consultation
- Lexington: Free analysis but lawyer consultation extra
Cancellation
- Ovation: Cancel anytime with no fee
- Lexington: Only prepaid fees returned if canceled in 5 days
Guarantee
- Ovation: Refund if scores don’t improve in 90 days
- Lexington: No guarantee offered
Credit Monitoring
- Ovation: No credit monitoring, transparent access to reports
- Lexington: Active monitoring included with top tier plan
Identity Theft Aid
- Ovation: Identity optimization but no ID theft insurance
- Lexington: Up to $1 million ID theft insurance
While the base services are similar, Ovation offers more flexibility, transparency, and guarantees around their pricing and process. Lexington Law provides extras like credit monitoring and ID theft protection missing from Ovation.
3. Customer Satisfaction Comparison
What do actual customers have to say about Ovation and Lexington Law? Here are some key statistics:
- BBB Rating
- Ovation: A+ Rating
- Lexington: A+ Rating
- Trustpilot Reviews
- Ovation: 4.6/5 stars based on 6,500+ reviews
- Lexington Law: 1.3/5 stars based on 1,300+ reviews
- Google Reviews
- Ovation: 4.6/5 stars
- Lexington Law: 2.8/5 stars
- Customer Complaints
- Ovation: No public complaints
- Lexington Law: Over 500+ BBB complaints about billing issues
Looking at third-party review sites and ratings, Ovation consistently outpaces Lexington in customer satisfaction. Ovation’s transparent, flat-rate pricing structure appears to resonate more with clients.
4. Advantages of Ovation Credit Services
Based on the comparisons, here are some of the main advantages of using Ovation for credit repair:
- Lower initial fee at $89 compared to over $100 for Lexington Law
- Unlimited disputes allowed each month for rapid repair
- No contracts required and ability to cancel anytime
- 90 day guarantee or your money back
- Positive customer reviews praising good service
- Free consultation with credit advisor before signup
For those wanting affordable, flexible credit repair with a focus on customer satisfaction, Ovation delivers on those fronts.
5. Advantages of Lexington Law
Here are some areas where Lexington Law has an edge over Ovation:
- More credit repair options with DIY and full service
- Legal experts with credit law experience
- Identity theft protection services included
- Credit monitoring with top tier plan
- Long history since 1991 servicing over 500,000 clients
Lexington Law is a good choice for those wanting legal backing, active credit monitoring, and ID theft solutions bundled with credit repair. Their different service tiers allow customized plans.
Also Watch This Review Video:
Should You Choose Ovation or Lexington Law?
So which credit repair firm – Ovation or Lexington Law – is the best pick for your needs? Answer these questions:
- Do you want legal experts handling the disputes?
- Is unlimited disputes per month important?
- Will you use monitoring or ID theft protection add-ons?
- Is a money-back guarantee or flat rates appealing?
- How important are positive customer reviews?
For most consumers, Ovation Credit Services provides the best blend of affordable, guaranteed credit repair services. Their flat-rate monthly plans and satisfaction guarantee provide peace of mind.
Lexington Law makes sense for those wanting legal professionals handling disputes. Their add-ons like credit monitoring also give more complete financial protection.
No matter which provider you choose, check contracts carefully and research companies thoroughly before signing up. Effective credit repair takes time – avoid firms overpromising instant results or trying to lock you into long-term contracts.
Frequently Asked Questions (FAQs)
Ovation Credit Services is still operating normally as one of the top credit repair companies in the nation. There are no issues or problems reported with Ovation. They continue helping thousands of clients improve credit scores through proven dispute and goodwill tactics. Ovation has not been shut down, closed or discontinued. They remain a recommended option for affordable and effective credit repair.
Ovation Credit Services has straightforward pricing, with a one-time enrollment fee of $89 followed by monthly fees of $89. For couples or partnerships, the monthly fee is $138. There are no capped or hourly fees. Additional services like credit monitoring or identity theft protection come at extra cost. Overall, Ovation is one of the more affordable credit repair options with no hidden fees.
Yes, Credit Saint is a legitimate credit repair company with positive customer reviews indicating their services work. Credit Saint has helped over 15,000 clients improve their credit since 2004. Their process of disputing inaccurate or erroneous items on your reports has produced an average 104 point increase in credit scores for users. However, Credit Saint will not work miracles and real repair takes diligent effort over months. Their 90-day money back guarantee provides peace of mind their services will be effective.
When a credit repair company says they sent an intervention on your behalf, it means they submitted a goodwill letter to a creditor or lender asking them to remove a negative item. These letters highlight extenuating circumstances and politely request the lender withdraw a late payment or other delinquency that is impacting your credit. When done properly, goodwill interventions can be successful in boosting credit scores. However, there is no guarantee the lender will comply with removing the negative mark. More disputes may be required if the first intervention attempt is unsuccessful.
The Bottom Line
Comparing Ovation and Lexington Law shows both firms can help in the credit repair process if you have inaccuracies dragging down your credit.
Ovation provides a more affordable and transparent option focused on fast disputes. Lexington employs legal experts but has higher and less predictable fees. Evaluate your budget, needs and priorities to select the best credit repair match.
But no matter which firm you pick, improving poor credit takes several months of persistence, patience and diligence.