Having a low credit score can make your life difficult, especially when you want to make big purchases.
We’re talking about new cars, new homes or refinancing the one you have. If there are dings on your credit report, you might only qualify for high rates, if any at all, which could cost you thousands.
There are ways to get rid of these dark marks — things like missed payments or reporting errors (which are more common than you might think!). But they’re painfully time-consuming and, honestly, pretty confusing, too.
That’s where a service called Ovation Credit Services, a LendingTree company, comes in to save you time. It helps people navigate the murky waters of credit-fixing and empowers them to improve their scores and keep them up.
Plus, Ovation has a direct line into the credit bureaus to request changes to your report, so you don’t have to wait months to start seeing a better score.
How This Guy Raised His Credit Score in Just a Month
Because Ovation’s personal case advisors have direct relationships with the credit bureaus, it could be a much faster way to improve your credit score. It’s one of only two companies that have this fast pass, meaning you’ll be able to fix your credit faster than the Average Joe.
Here’s how it works: Before you even sign up, a professional credit analyst can review your credit report with you to see if one of their programs makes sense. This initial consultation is totally free.
Then, you’ll get your own personal case advisor to go to bat for you. They’ll electronically dispute your charges and keep you updated on their success 24/7. Pretty straightforward.
South Floridian Eric Brown, 46, was trying to buy a car when he realized his 640 credit score wasn’t going to get him a good rate — but he had no idea why it was so low or how to fix it. So he let Ovation walk him through his credit report, and he found out an old, unpaid cable bill and a miscommunication with a phone carrier were dragging his score down.
That’s when his personal case advisor, Tracy, went to work. She disputed all of the dings on his credit report for him and gave Brown the tools to negotiate his old bills down.
He saw a massive jump in his score, even within the first month. Now, with a credit score over 800 (that’s more than 160 points added to his score!), Eric was able to buy a house and get a mortgage with a super-low 3% interest rate.*
When you’re looking to make a big purchase, like Brown, you know that the financial impact of a good credit score could save you tens of thousands of dollars over the long run.
Programs for Ovation range between $79 to $109 a month after the initial set-up fee of $89, which you could earn back tenfold with a prime rate.
Now, we know there are tons of companies who promise to fix your credit with fancy tricks, but Ovation is part of LendingTree — a reputable online lending company — so you know it’s legit.
If the thought of trying to fix your credit yourself is overwhelming, start with a free credit consultation with a professional credit analyst. You could save hours of your time and thousands of your dollars.
Kari Faber ([email protected]) is a staff writer at The Penny Hoarder.
*Every case is unique; personal results may vary.